Polk City, Iowa (IA) Savings Rates - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Polk City, Iowa and the surrounding area include Grinnell State BankGrinnell State Bank205 Broadway St, Polk City, IA 50226A+5.0 ★Texas Ratio: 0.00% Simply Savings at 2.02% APY, Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY, First Federal Credit UnionFirst Federal Credit UnionA5.0 ★Texas Ratio: 12.07% Kids First Savings at 5.00% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 15.61% Elite Savings at 4.25% APY, and Cedar Rapids Bank and Trust CompanyCedar Rapids Bank and Trust CompanyA+5.0 ★Texas Ratio: 3.72% A savings account designed for children 18 years of age and under at 4.00% APY.
Polk City has 16 local institutions in our database, with savings rates as high as 2.02% APY from Grinnell State Bank at 205 Broadway St, Polk City, IA 50226. Use the table below to compare all available offers, including options from institutions serving the broader Iowa area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Polk City, Iowa and the surrounding area. Last Updated and Verified: April 11, 2026
Compare the Best Savings Rates in Polk City, Iowa & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings
2.02%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings (Personal & Business)
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $500.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
AB Savings (Personal & Business)
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum to open $100
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
AB Savings (Personal & Business)
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum to open $100; Qualifying balance up to $199,999.99
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings
1.39%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings (Personal & Business)
1.39%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $100,000.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
AB Savings (Personal & Business)
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum to open $100; Qualifying balance up to $99,999.99
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings
1.09%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings (Personal & Business)
1.09%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $200,000.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
AB Savings (Personal & Business)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum to open $100; Qualifying balance up to $49,999.99
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Business Money Market Savings
1.00%
$10,000
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings
0.97%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Simply Savings (Personal & Business)
0.97%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000,000.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
AB Savings (Personal & Business)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum to open $100; Qualifying balance up to $499.99
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Business Money Market Savings
0.75%
$10,000
▼
Rate0.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
205 Broadway St, Polk City, IA 50226
Money Market Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Money Market Savings Minimum to open $100; Minimum for APY $25,000 AB7
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Snap $tack Savings
5.12%
$1,000
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $5,000.00
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Kids First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Qualifying balance up to $500.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Cedar Rapids Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
A savings account designed for children 18 years of age and under
4.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Preferred Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $14,999.99
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Iowa Trust & SB Emmetsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
High Yield Savings Account
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
No fees; No hassle; No worries
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Business High-Yield Savings
3.56%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
3.46%
$0
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
CNB Health Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Community Business Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
Individual Retirement Account (IRA) - Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
CNB Health Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
HSA (Health Savings Account)
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
with e-statements
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Green+ Savings
3.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Health Savings Account
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
$100.00 deposit required to open account
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Preferred Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.45%
$50,000
▼
Rate2.42%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Bright Savings Online-Only Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.25%
$50,000
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA Share Savings
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.05%
$50,000
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
1.85%
$50,000
▼
Rate1.83%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Money Market Savings Account
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
*High Yield Share Draft Checking
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Greater Savings
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Qualifying balance up to $50,000.00; Qualifications Required
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Polk City, IA Savings Rate Trends
Compare local Polk City, IA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — IA Avg
2.275%
▼ 0.102 vs 7 days ago
Iowa high-yield savings rates fell 0.102 points over the past 7 days to 2.275% APY, down from 2.376%.
Standard Savings — IA Avg
0.839%
Unchanged vs 7 days ago
Iowa standard savings rates currently average 0.839% APY based on data from institutions in our monitoring network.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Polk City, 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 Polk City, 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 Polk City, Iowa
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Iowa, help your money grow faster through a higher APY.
Are savings accounts in Polk City, Iowa safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Iowa up to $250,000 per depositor, per institution.
How often do savings rates change in Polk City, Iowa?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Iowa rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Polk City, Iowa may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Polk City, Iowa?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Polk City, Iowa offer in-person customer service, which some customers prefer.
How do I open a savings account in Polk City, Iowa?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Polk City, Iowa
Here are recent savings rates observed in Polk City, Iowa and the surrounding area:
- Grinnell State Bank
Simply Savings — 2.02% APY - Fidelity Bank & Trust (IA)
Snap $tack Savings — 5.12% APY - First Federal Credit Union
Kids First Savings — 5.00% APY - Vibrant Credit Union
Elite Savings — 4.25% APY - Cedar Rapids Bank and Trust Company
A savings account designed for children 18 years of age and under — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Polk City, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking