Best Banks & Checking Accounts in Kelley, Iowa - June 2026
Brian McKay
Brian McKay
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The best checking rates for Kelley, Iowa include Metco Credit UnionMetco Credit UnionA+5.0 ★Texas Ratio: 0.78% Ultimate Checking at 5.09% APY, Greater Iowa Credit UnionGreater Iowa Credit UnionA5.0 ★Texas Ratio: 8.23% Greater CheckingTM (Qualifying) at 5.00% APY, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.76% PerCENTage Checking at 4.00% APY, PSB Indianola, IAPSB Indianola, IAA+5.0 ★Texas Ratio: 1.82% Kasasa Cash Checking at 3.50% APY, and Cobalt Federal Credit UnionCobalt Federal Credit UnionA5.0 ★Texas Ratio: 6.75% Cobalt Elite Checking Account at 3.25% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Kelley is a smaller community with no bank or credit union branches currently in our database. 37 institutions serving the Iowa area are available to Kelley residents, with checking rates as high as 5.09% APY from Metco Credit Union. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Kelley, Iowa. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Kelley, Iowa & the Surrounding Area
Kelley Checking Account Rates
Qualifications Required: Requirements must be met to earn dividend.; up to $15,000
Qualifications Required: Have a share (membership) account with a minimum balance of $5.00; Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Bonus APY* ($0.01 - $10,000.00)
Bonus APY Ages 13-25*** ($0.01 - $5,000.00)
Qualifying balance up to $20,000.00
Qualifications Required; Tiered balance; (2)(3)(5)(7)(9)
Up to $10,000
Qualified Dividend Rate; Qualified APY*
Qualifying balance up to $100,000.00
Qualifications Required: When qualifications are met; When qualifications are met
Qualifications Required: If qualifications are not met for statement cycle; Qualifying balance up to $20,000.00
No additional details provided.
No additional details provided.
Qualifying balance up to $100,000.00
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
($250,000.00+)
Balances up to $15,000.00
Qualifications Required: 12 debit card transactions (at a minimum of $5.00 per transaction); eStatements; Direct Deposit totaling $250 for the month; Rate paid on up to $20,000.
$50,000 and Over
Kelley High Yield Checking Rates
Qualifications Required: Requirements must be met to earn dividend.; up to $15,000
Qualifications Required: Have a share (membership) account with a minimum balance of $5.00; Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Bonus APY* ($0.01 - $10,000.00)
Bonus APY Ages 13-25*** ($0.01 - $5,000.00)
Qualifying balance up to $20,000.00
Qualifications Required; Tiered balance; (2)(3)(5)(7)(9)
Up to $10,000
Qualifying balance up to $100,000.00
Qualified Dividend Rate; Qualified APY*
Qualifications Required: When qualifications are met; When qualifications are met
Qualifications Required: If qualifications are not met for statement cycle; Qualifying balance up to $20,000.00
No additional details provided.
No additional details provided.
Qualifying balance up to $100,000.00
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
Balances up to $15,000.00
($250,000.00+)
Qualifications Required: 12 debit card transactions (at a minimum of $5.00 per transaction); eStatements; Direct Deposit totaling $250 for the month; Rate paid on up to $20,000.
Balance range: $100,000 & OVER
Kelley Rewards Checking Rates
Qualifying balance up to $20,000.00
Up to $10,000
Qualified Dividend Rate; Qualified APY*
Qualifications Required: If qualifications are not met for statement cycle; Qualifying balance up to $20,000.00
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
APY range for balances over $20,000.00
Qualified Dividend Rate; Qualified APY*
No additional details provided.
Rate for all balances if qualifications not met
$25,000.01 and up
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; If qualifications are not met, all balances earn 0.01% APY.
If qualifications are not met for statement cycle
Get more from shopping than just a receipt - this free account earns you cash back on debit card purchases.
Kelley Free Checking Rates
$10.00 monthly service charge for average current balance less than $2,500.00.
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Kelley Student Checking Rates
Kelley Business Checking Rates
$50,000 and Over
APY*
No additional details provided.
$25,000 - $49,999.99
No additional details provided.
No additional details provided.
No additional details provided.
APY*
No additional details provided.
$10,000 - $24,99.99
No additional details provided.
No additional details provided.
APY*
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Minimum balance to receive interest rate $2,500.00.
Less than $10,000
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Kelley, IA Checking Rate Trends
Compare local Kelley, IA checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield checking rates fell 0.279 points over the past 7 days to 1.595% APY.
Iowa free checking rates fell 0.073 points over the past 7 days to 1.140% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kelley, Iowa checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Kelley, 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 sourcing this data 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 Kelley, 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 Kelley, Iowa earn interest?
Are banks in Kelley, Iowa FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Kelley, Iowa
- Metco Credit Union
Ultimate Checking — 5.09% APY - Greater Iowa Credit Union
Greater CheckingTM (Qualifying) — 5.00% APY - Cent Credit Union
PerCENTage Checking — 4.00% APY - PSB Indianola, IA
Kasasa Cash Checking — 3.50% APY - Cobalt Federal Credit Union
Cobalt Elite Checking Account — 3.25% APY
