Des Moines, Iowa (IA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Des Moines, Iowa and the surrounding area include Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 15.61% Digital Advantage Savings at 4.40% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 4.17% Building Better Savings at 4.00% APY, IH Mississippi Valley Credit UnionIH Mississippi Valley Credit Union3990 Merle Hay Rd, Des Moines, IA 50310 1308B4.6 ★Texas Ratio: 20.04% SavingsBooster at 4.00% APY, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA 50314 3403A+5.0 ★Texas Ratio: 5.71% IRA Share Savings at 2.17% APY, and Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% Evantage Savings3 at 1.85% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Des Moines, 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 Des Moines, Iowa (IA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Des Moines, Iowa and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Des Moines, Iowa & Surrounding Communities
Qualifying balance up to $5,000.00
$5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month.
$1.00 maintenance fee if the account falls below $10.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month.
$1.00 maintenance fee if the account falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month.
Qualifications Required; Qualifying balance up to $50,000.00
Loyalty Program
Loyalty Program
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Loyalty Program
Loyalty Program
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Des Moines, IA Savings Rate Trends
Compare local Des Moines, 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 rose 0.599 points this week to 1.936% APY, up from 1.337% last week.
Iowa standard savings rates fell 0.009 points this week to 0.603% APY, down from 0.612% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Des Moines, 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 Des Moines, 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.
Frequently Asked Questions about Savings Accounts in Des Moines, Iowa
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Des Moines, Iowa safe?
How often do savings rates change in Des Moines, Iowa?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Des Moines, Iowa?
How do I open a savings account in Des Moines, Iowa?
Best Savings Rates in Des Moines, Iowa
- Vibrant Credit Union
Digital Advantage Savings — 4.40% APY - Affinity Credit Union
Building Better Savings — 4.00% APY - IH Mississippi Valley Credit Union
SavingsBooster — 4.00% APY - Journey Credit Union
IRA Share Savings — 2.17% APY - Earlham Savings Bank
Evantage Savings3 — 1.85% APY
