Best Banks & Checking Accounts in Cedar Falls, Iowa - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best checking rates for Cedar Falls, Iowa include Collins Community Credit UnionCollins Community Credit Union5908 Winterberry Dr, Cedar Falls, IA 50613B-4.3 ★Texas Ratio: 23.97% Advantage Checking at 4.85% APY, Cedar Rapids Bank and Trust CompanyCedar Rapids Bank and Trust Company2322 W 1st St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 3.72% Maxx Checking at 3.33% APY, Farmers State Bank Waterloo, IAFarmers State Bank Waterloo, IA515 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 4.41% FSB Rewards Checking 1 at 3.04% APY, Dupaco Community Credit UnionDupaco Community Credit Union126 Brandilynn Blvd, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 4.16% 1st Rate Checking at 3.00% APY, and First Bank Waverly, IAFirst Bank Waverly, IA602 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 2.66% First Checking at 0.10% APY.
Looking for the best checking accounts in Cedar Falls, Iowa? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Cedar Falls, Iowa, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Cedar Falls, Iowa. Checking Account Rates Last Updated and Verified: March 20, 2026
Cedar Falls, IA Checking Rate Trends
Compare local Cedar Falls, IA checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield checking rates rose 0.717 points this week to 0.767% APY, up from 0.050% last week.
Iowa rewards checking rates rose 1.610 points this week to 3.054% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Cedar Falls, Iowa & the Surrounding Area
Cedar Falls, IA 50613
Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
Qualifications Required: Debit Card Activity*: A minimum of 15 Visa� debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;Direct deposit or Debit*: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and;Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery; Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613 2831
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Arlington, IA 50606
Qualifications Required: at least 15 debit card transactions post and settle; at least one direct deposit or automatic withdrawal; Receive e-Statements; Qualifying balance up to $4,000.00
Decorah, IA 52101 2412
Qualifications Required: ACH direct deposit(s) of $500 or more to your checking account; enrollment in eStatements; a minimum of fifteen (15) purchases using your debit card; Qualifying balance up to $777
Cedar Falls, IA 50613
Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
Qualifications Required: Debit Card Activity*: A minimum of 15 Visa� debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;Direct deposit or Debit*: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and;Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery; Qualifying balance up to $25,000.00
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Arlington, IA 50606
Qualifications Required: at least 15 debit card transactions post and settle; at least one direct deposit or automatic withdrawal; Receive e-Statements; Qualifying balance up to $4,000.00
Decorah, IA 52101 2412
Qualifications Required: ACH direct deposit(s) of $500 or more to your checking account; enrollment in eStatements; a minimum of fifteen (15) purchases using your debit card; Qualifying balance up to $777
Clarksville, IA 50619
No additional details provided.
Bussey, IA 50044
Qualifications Required: Make 10 debit card purchases that post and clear; Receive $1,000 or more in direct deposits; Maintain an average balance of $500; Enroll in free e-statements; Qualifying balance up to $50,000.00; $500 daily average account balance (or $10 plus tax maintenance fee).
Cedar Rapids, IA 52404
Qualifications Required; up to $15,000
Ames, IA 50010
Qualifications Required; Qualifying balance up to $20,000
Davenport, IA 52807
Qualifying balance up to $30,000.00
Davenport, IA 52807
Blackhawk Bank & Trust; Daily balance of $0.01 to $30,000
Davenport, IA 52807
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Bussey, IA 50044
Qualifications Required: Make 10 debit card purchases that post and clear; Receive $1,000 or more in direct deposits; Maintain an average balance of $500; Enroll in free e-statements; Qualifying balance up to $50,000.00; $500 daily average account balance (or $10 plus tax maintenance fee).
Creston, IA 50801
Qualifying balance up to $15,000.00
Marion, IA 52302
Qualifying balance up to $20,000.00
Pleasantville, IA 50225
Qualifying balance up to $20,000
Corning, IA 50841
Qualifications Required: Qualifications apply; earn 3.50% cash back on debit card purchases - up to $8.75 per month
Ledyard, IA 50556
Qualifying balance up to $10,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Fort Madison, IA 52627
Qualifying balance up to $25,000.00
New London, IA 52645
Cash back on up to a total of $300.00 in debit card purchases. A maximum of $9.00 cash back payments may be earned per monthly Statement Cycle.
Denver, IA 50622
Qualifications Required; Qualifying balance up to $20,000.00
Clarinda, IA 51632
Qualifying balance up to $15,000.00
West Des Moines, IA 50266
Qualifications Required: Have a balance of at least $1,500 each day; Use your debit card at least 15 times for point of sale ("POS") transactions; Use your debit card for POS transactions totaling at least $300; Qualifying balance up to $29,999.99
Clive, IA 50325 8616
No additional details provided.
Clive, IA 50325 8616
No additional details provided.
West Des Moines, IA 50266
No additional details provided.
New London, IA 52645
Cash back on up to a total of $300.00 in debit card purchases. A maximum of $9.00 cash back payments may be earned per monthly Statement Cycle.
Postville, IA 52162
No additional details provided.
New London, IA 52645
When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed
Muscatine, IA 52761
No additional details provided.
Marshalltown, IA 50158
No additional details provided.
Ames, IA 50010
No additional details provided.
Ottumwa, IA 52501
No additional details provided.
Council Bluffs, IA 51503 1513
No additional details provided.
Bettendorf, IA 52722
No additional details provided.
Cedar Falls, IA 50613
Within the monthly Account analysis statement an earnings credit of 0.40% Rate & APY* will be calculated using the average daily collected balance (minus a 10% reserve requirement). If utilizing FSB Treasury Management Services (ACH Origination, Remote Deposit, Positive Pay, Sweeps) with this account, there will be an additional package fee that will be included in the monthly analysis.^ Account subject to change. See Bank or TIS for more details.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
No additional details provided.
Cedar Falls, IA 50613
If the daily balance is more than $4,999.99, but less than $100,000.01, the interest rate paid on that portion of the balance will be 0.05%. The annual percentage yield for this tier will be 0.05%. If the daily balance is more than $100,000.00 the interest rate paid on that portion of the balance will be 0.10%. The annual percentage yield for this tier will range from 0.05% to 0.10%. If utilizing FSB Treasury Management Services (ACH Origination, Remote Deposit, Positive Pay, Sweeps) with this account, there will be an additional package fee that will be included in the monthly analysis. ^ Account subject to change. See Bank or TIS for more details.
KEOKUK, IA 52632
No additional details provided.
KEOKUK, IA 52632
No additional details provided.
Bremer, IA 50677
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Bettendorf, IA 52722
No additional details provided.
Boone, IA 50036
No additional details provided.
Sioux City, IA 51105
No additional details provided.
Boone, IA 50036
No additional details provided.
Boone, IA 50036
No additional details provided.
Boone, IA 50036
No additional details provided.
Boone, IA 50036
No additional details provided.
Bettendorf, IA 52722
No additional details provided.
Bremer, IA 50677
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
Ottumwa, IA 52501
No additional details provided.
What Cheer, IA 50268
No additional details provided.
Clinton, IA 52732
No additional details provided.
Boone, IA 50036
No additional details provided.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Cedar Falls, Iowa directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Cedar Falls, Iowa. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Cedar Falls, Iowa earn interest?
Are banks in Cedar Falls, Iowa FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Cedar Falls, Iowa
- Collins Community Credit Union
Advantage Checking — 4.85% APY - Cedar Rapids Bank and Trust Company
Maxx Checking — 3.33% APY - Farmers State Bank Waterloo, IA
FSB Rewards Checking 1 — 3.04% APY - Dupaco Community Credit Union
1st Rate Checking — 3.00% APY - First Bank Waverly, IA
First Checking — 0.10% APY
