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SSB West Des Moines, IA Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
Editorial Disclosure The 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.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

SSB West Des Moines, IA's 55-Month Special Flex CD rates are at 4.32%, 24-Month CD rates are at 4.22%, 24-Month CD rates are at 4.11%, 55-Month Special Flex CD rates are at 4.11%, 12-Month CD rates are at 4.06%. SSB West Des Moines, IA's savings rates are at 1.05%. MonitorBankRates evaluates the financial stability of SSB West Des Moines, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.86%. Rates last updated and verified on 08/28/2026.

SSB West Des Moines, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SSB West Des Moines, IA? Share your experience about SSB West Des Moines, IA by leaving a review below, or read customer reviews before you decide to use SSB West Des Moines, IA.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.86%
Excellent Higher than avg
SSB West Des Moines, IA
4800 George Mills Civic Pkwy
West Des Moines, IA 50265
https://www.ssb.bank
Member FDIC

SSB West Des Moines, IA CD Rates

Product Rate APY Term View More
55 Month Special Flex CD 4.25% 4.32% 55 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
24 Month CD 4.15% 4.22% 24 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
24 Month CD 4.05% 4.11% 24 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
55 Month Special Flex CD 4.05% 4.11% 55 Month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
12 Month CD 4.00% 4.06% 12 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
24 Month CD 4.00% 4.06% 24 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
12 Month CD 3.95% 4.01% 12 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
12 Month CD 3.90% 3.96% 12 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
60 Month CD 3.85% 3.91% 60 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
36 Month CD 3.75% 3.80% 36 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
48 Month CD 3.75% 3.80% 48 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
6 Month CD 3.75% 3.80% 6 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
60 Month CD 3.75% 3.80% 60 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
6 Month CD 3.70% 3.75% 6 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
36 Month CD 3.65% 3.70% 36 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
48 Month CD 3.65% 3.70% 48 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
6 Month CD 3.65% 3.70% 6 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
60 Month CD 3.65% 3.70% 60 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
36 Month CD 3.55% 3.60% 36 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
48 Month CD 3.55% 3.60% 48 Month
Min Balance $2,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%

SSB West Des Moines, IA Savings Rates

Product Rate APY View More
First-time Homebuyer Savings 3.90% 2.12%
Min Deposit $100
Min Balance $0
Details ***
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Super Savings 1.15% 1.16%
Min Deposit $2,500
Min Balance $20,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Super Savings 1.10% 1.11%
Min Deposit $2,500
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Super Savings 1.05% 1.06%
Min Deposit $2,500
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Classic Savings 1.05% 1.05%
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%

SSB West Des Moines, IA Checking Rates

Product Rate APY View More
Rewards Checking 4.00% 4.07%
Min Deposit $0
Min Balance $0
Details Qualifications Required; Rate: 4.00%**
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
SSB Select Checking 2.15% 2.17%
Min Deposit $5,000
Min Balance $90,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
SSB Select Checking 2.00% 2.02%
Min Deposit $5,000
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
SSB Select Checking 1.90% 1.92%
Min Deposit $5,000
Min Balance $15,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
SSB Select Checking 1.80% 1.90%
Min Deposit $5,000
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
SSB Select Checking 1.70% 1.71%
Min Deposit $5,000
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Now Checking 1.00% 1.00%
Min Deposit $700
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Now Checking 0.90% 0.90%
Min Deposit $700
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.86%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for SSB West Des Moines, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather SSB West Des Moines, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SSB West Des Moines, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SSB West Des Moines, IA
Bank Holding Company SSB HOLDING CO INC
Address 4800 George Mills Civic Pkwy, West Des Moines, IA 50265  ·  Polk
Website https://www.ssb.bank
FDIC Certificate # 248
Established 07/04/1894
FDIC Insurance Date 01/01/1934
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
6.86%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0115%
Return on Equity (ROE) 9.8600%
Non-Performing Loans (NPL) 0.52%
Total Assets $274,293,000
Total Deposits $204,588,000
Equity Capital $24,184,000
Net Income $3,315,000
Headquarters West Des Moines
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

SSB West Des Moines, IA earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About SSB West Des Moines, IA

How many branches does SSB West Des Moines, IA operate?

SSB West Des Moines, IA currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, SSB West Des Moines, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SSB West Des Moines, IA provides members with tools to manage their accounts and build a solid financial history.

Does SSB West Des Moines, IA offer online and mobile banking?

Most modern institutions like SSB West Des Moines, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ssb.bank.

Current SSB West Des Moines, IA Rates

  • 12-Month CD3.96%
  • 24-Month CD4.06%
  • 36-Month CD3.60%
  • 48-Month CD3.60%
  • 60-Month CD3.70%
  • Savings1.05%
Retrieved from our database of financial products. Rates subject to change.

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