The best savings rates for Council Bluffs, Iowa and the surrounding area include Midstates Bank, N.A.Midstates Bank, N.A.1851 Madison Ave, Council Bluffs, IA 51503A5.0 ★Texas Ratio: 9.57% Health Savings Account at 1.99% APY, North Western Employees Credit UnionNorth Western Employees Credit Union1411 W Broadway, Council Bluffs, IA 51501 3922A+5.0 ★Texas Ratio: 0.00% IRA SHARES at 0.60% APY, Cobalt Federal Credit UnionCobalt Federal Credit Union1141 N Broadway, Council Bluffs, IA 51503 1513A5.0 ★Texas Ratio: 7.59% Health Savings Account at 0.25% APY, Centris Federal Credit UnionCentris Federal Credit Union2825 Avenue G, Council Bluffs, IA 51501A-4.9 ★Texas Ratio: 16.42% IRA Savings at 0.20% APY, and Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)124 1st St Se, Waverly, IA 50677A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Council Bluffs, Iowa, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Council Bluffs, Iowa (IA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Council Bluffs, Iowa and the surrounding area. Last Updated and Verified: March 28, 2026
Higher APY1 on Balances over $10,000
Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
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Max Balance $1,000
with e-statements
In-Branch Only
Qualifying balance up to $10,000.00
Qualifying balance up to $1,000.00
Minimum of $2,500 to earn dividends
In-Branch Only
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Compare local Council Bluffs, IA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield savings rates fell 0.942 points this week to 1.936% APY, down from 2.878% last week.
Iowa standard savings rates fell 0.326 points this week to 0.632% APY, down from 0.959% last week.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Council Bluffs, Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Council Bluffs, Iowa. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.