Winterset, Iowa (IA) Savings Rates - March 2026
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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 Winterset, Iowa and the surrounding area include Union State Bank Winterset, IAUnion State Bank Winterset, IA611 W Highway 92, Winterset, IA 50273A+5.0 ★Texas Ratio: 0.00% Health Savings Account at 0.90% APY, F&M State Bank Winterset, IAF&M State Bank Winterset, IA101 W Jefferson St, Winterset, IA 50273A+5.0 ★Texas Ratio: 0.05% Junior Savings at 0.50% APY, 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, First Federal Credit UnionFirst Federal Credit Union425 1st Ave SW, Cedar Rapids, IA 52405A5.0 ★Texas Ratio: 12.07% Kids First Savings at 5.00% APY, and Vibrant Credit UnionVibrant Credit Union3230 Ridge Pt, Bettendorf, IA 52722A-5.0 ★Texas Ratio: 15.61% Digital Advantage Savings at 4.40% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Winterset, 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 Winterset, Iowa (IA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Winterset, Iowa and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Winterset, Iowa & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Health Savings Account
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Regular Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Regular Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
Junior Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
F&M Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
F&M Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
F&M Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Regular Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
F&M Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
124 1st St Se, Waverly, IA 50677
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%
425 1st Ave SW, Cedar Rapids, IA 52405
Kids First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $500.00
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Digital Advantage Savings
4.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Elite Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Premier Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Preferred Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Building Better Savings
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $5,000.00
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
SavingsBooster
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cedar Rapids Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
422 Commercial St, Waterloo, IA 50701
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%
3230 Ridge Pt, Bettendorf, IA 52722
Premier Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Elite Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Iowa Trust & SB Emmetsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
500 W Main St, Sac City, IA 50583
High Yield Savings Account
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No fees; No hassle; No worries
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
High Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
High-Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Contact your local banker for more details!
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
Business High Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
Business High-Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Contact your local banker for more details!
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
55 S 4th St, Fairfield, IA 52556
High Yield Savings
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Elite Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Premier Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
SavingsBooster
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
55 S 4th St, Fairfield, IA 52556
High Yield Savings
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
Business High Yield Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
High Yield Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
CNB Health Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Community Business Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
Launchpad Savings Account
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Max Balance $1,000
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
55 S 4th St, Fairfield, IA 52556
High Yield Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
Individual Retirement Account (IRA) - Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
High Yield Savings
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
300 E 2nd St, Muscatine, IA 52761
Business High Yield Savings
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
CNB Health Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
HSA (Health Savings Account)
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
with e-statements
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
IRA Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Health Savings Account
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Preferred Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Premier Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
SavingsBooster
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA 50325 8616
Grow & Go Savings Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $1,000.00
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
High-Yield Savings
2.45%
$50,000
▼
Rate2.42%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $2,500 to earn dividends
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
Bright Savings Online-Only Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifications Required: eStatements enrollment; Online Only
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
High-Yield Savings
2.25%
$50,000
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA Share Savings
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
High-Yield Savings
2.05%
$50,000
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
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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.
Winterset, IA Savings Rate Trends
Compare local Winterset, 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.
High-Yield Savings — IA Avg
1.936%
▲ 0.599 from last week
Iowa high-yield savings rates rose 0.599 points this week to 1.936% APY, up from 1.337% last week.
Standard Savings — IA Avg
0.603%
▲ 0.233 from last week
Iowa standard savings rates rose 0.233 points this week to 0.603% APY, up from 0.371% last week.
As of Mar 26, 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 Winterset, 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 Winterset, 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 Winterset, 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 Winterset, 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 Winterset, 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 Winterset, 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 Winterset, Iowa?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Winterset, Iowa offer in-person customer service, which some customers prefer.
How do I open a savings account in Winterset, 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 Winterset, Iowa
Here are recent savings rates observed in Winterset, Iowa and the surrounding area:
- Union State Bank Winterset, IA
Health Savings Account — 0.90% APY - F&M State Bank Winterset, IA
Junior Savings — 0.50% APY - Fidelity Bank & Trust (IA)
Snap $tack Savings — 5.12% APY - First Federal Credit Union
Kids First Savings — 5.00% APY - Vibrant Credit Union
Digital Advantage Savings — 4.40% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Winterset, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
