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Best Banks & Checking Accounts in Waukee, Iowa - March 2026

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| i Editorial 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 | Checking Account Rates — Last Updated and Verified: March 20, 2026

The best checking rates for Waukee, Iowa include Greater Iowa Credit UnionGreater Iowa Credit Union1145 SE University Ave, Waukee, IA 50263 9669A5.0 ★Texas Ratio: 8.63% Greater CheckingTM at 5.00% APY, Dupaco Community Credit UnionDupaco Community Credit Union1090 E Hickman Rd, Waukee, IA 50263A+5.0 ★Texas Ratio: 4.16% 1st Rate Checking at 3.00% APY, West BankWest Bank955 E Hickman Rd, Waukee, IA 50263A+5.0 ★Texas Ratio: 0.10% Reward Me Checking at 1.31% APY, Charter Bank IACharter Bank IA455 6th St, Waukee, IA 50263A+5.0 ★Texas Ratio: 0.00% Charter Complete Checking at 0.35% APY, and Farmers Savings Bank Colesburg, IAFarmers Savings Bank Colesburg, IA747 Main St, Arlington, IA 50606A+5.0 ★Texas Ratio: 2.67% STAR Checking at 9.01% APY.

Looking for the best checking accounts in Waukee, 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 Waukee, Iowa, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Waukee, Iowa. Checking Account Rates Last Updated and Verified: March 20, 2026

Waukee, IA Checking Rate Trends

Compare local Waukee, 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.

View Full Iowa Checking Trends →
High-Yield Checking — IA Avg
0.767%
▲ 0.717 from last week

Iowa high-yield checking rates rose 0.717 points this week to 0.767% APY, up from 0.050% last week.

Rewards Checking — IA Avg
3.054%
▲ 1.610 from last week

Iowa rewards checking rates rose 1.610 points this week to 3.054% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Waukee, Iowa & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater CheckingTM
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1090 E Hickman Rd
Waukee, IA 50263
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

West Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
955 E Hickman Rd
Waukee, IA 50263
Reward Me Checking
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

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

Charter Bank IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
455 6th St
Waukee, IA 50263
Charter Complete Checking
0.35%
$100
View
▼
Rate0.35%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Charter Bank IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
455 6th St
Waukee, IA 50263
Charter Complete Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1090 E Hickman Rd
Waukee, IA 50263
1st Rate Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Prestige CheckingTM
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Charter Bank IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
455 6th St
Waukee, IA 50263
Charter Complete Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Prestige CheckingTM
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Prestige CheckingTM
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Prestige CheckingTM
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

West Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
955 E Hickman Rd
Waukee, IA 50263
Reward Me Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Basic Blue CheckingTM
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
GreaterBlue Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1090 E Hickman Rd
Waukee, IA 50263
1st Rate Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater CheckingTM
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
1090 E Hickman Rd
Waukee, IA 50263
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

West Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
955 E Hickman Rd
Waukee, IA 50263
Reward Me Checking
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

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

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Premium Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Farmers Savings Bank Colesburg, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
747 Main St
Arlington, IA 50606
STAR Checking
9.01%
$100
View
▼
Rate8.66%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

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

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
915 Short St Ste 105
Decorah, IA 52101 2412
My Prize Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

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

Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
100 N Main St
Clarksville, IA 50619
Legacy Checking
6.00%
$50
View
▼
Rate5.84%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Twin Cedars Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
402 Merrill St
Bussey, IA 50044
Cedar Peak Rewards Checking
5.15%
$100
View
▼
Rate5.03%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

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).

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW
Cedar Rapids, IA 52404
Ultimate Checking
5.09%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; up to $15,000

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Protect Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Blackhawk Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 12.98%
3889 Elmore Ave
Davenport, IA 52807
Relationship Checking - Qualification B
4.50%
$50
View
▼
Rate4.41%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $30,000.00

Blackhawk Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 12.98%
3889 Elmore Ave
Davenport, IA 52807
Relationship Checking - Qualification A
4.25%
$50
View
▼
Rate4.17%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Blackhawk Bank & Trust; Daily balance of $0.01 to $30,000

Blackhawk Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 12.98%
3889 Elmore Ave
Davenport, IA 52807
Interest Checking - Qualification B
4.00%
$50
View
▼
Rate3.93%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Iowa State Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 W Adams St
Creston, IA 50801
Interest Rewards Checking Account
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Blackhawk Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 12.98%
3889 Elmore Ave
Davenport, IA 52807
Interest Checking - Qualification A
3.75%
$50
View
▼
Rate3.69%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Blackhawk Bank & Trust; Qualifying balance up to $15,000.00

Heritage Bank N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
4530 Singing Hills Blvd
Sioux City, IA 51106
PAYROLL PLUS CHECKING ACCOUNT
3.53%
$0
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $100,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
West Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
955 E Hickman Rd
Waukee, IA 50263
Reward Me Checking
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

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

West Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
955 E Hickman Rd
Waukee, IA 50263
Reward Me Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Twin Cedars Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
402 Merrill St
Bussey, IA 50044
Cedar Peak Rewards Checking
5.15%
$100
View
▼
Rate5.03%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

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).

Iowa State Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 W Adams St
Creston, IA 50801
Interest Rewards Checking Account
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1240 8th Ave
Marion, IA 52302
High-Yield Rewards Checking
3.50%
$1,000
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $20,000.00

PSB Indianola, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
802 W Jasper St
Pleasantville, IA 50225
Kasasa Cash Checking
3.50%
$100
View
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $20,000

TS Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
701 Davis Ave
Corning, IA 50841
Cash Back Checking
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: Qualifications apply; earn 3.50% cash back on debit card purchases - up to $8.75 per month

Bank Plus
Institution Rating:
A-4.9 ★ Texas Ratio: 16.50%
210 Edmunds St
Ledyard, IA 50556
3.06%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln
Des Moines, IA 50313 2261
eGreen Rewards Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $24,999.99

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr
Waterloo, IA 50701
FSB Rewards Checking 1
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Two Rivers Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
801 Avenue F
Fort Madison, IA 52627
Premier Rewards Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000.00

Danville State Savings Bank
Institution Rating:
B4.6 ★ Texas Ratio: 19.64%
102 S Walnut St
New London, IA 52645
Free Blue Bonus Cash Back Checking
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

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 Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
DSBOne Rewards Checking
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

PCSB Bank (IA)
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
120 E Washington St
Clarinda, IA 51632
Kasasa Cash Checking
2.01%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $15,000.00

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr
Waterloo, IA 50701
FSB Rewards Checking 1
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd
Clive, IA 50325 8616
Elite Rewards Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd
Clive, IA 50325 8616
Elite Rewards Checking Account
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Greater Iowa Basic Blue CheckingTM
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Danville State Savings Bank
Institution Rating:
B4.6 ★ Texas Ratio: 19.64%
102 S Walnut St
New London, IA 52645
Free Blue Bonus Cash Back Checking
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

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.

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
135 W Tilden St
Postville, IA 52162
FREEDOMPLUS CHECKING
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Danville State Savings Bank
Institution Rating:
B4.6 ★ Texas Ratio: 19.64%
102 S Walnut St
New London, IA 52645
Free Blue Bonus Cash Checking (Non-Qualified)
0.05%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed

Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
159 Colorado St
Muscatine, IA 52761
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
104 W Anson St
Marshalltown, IA 50158
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
C1st Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Free Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
3230 Ridge Pt
Bettendorf, IA 52722
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Commercial+ Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Business Essentials Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Commercial+ Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Business Essentials Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
1145 SE University Ave
Waukee, IA 50263 9669
Entrepreneur, Business, & Commercial Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St
KEOKUK, IA 52632
Nonprofit business checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St
KEOKUK, IA 52632
Interest-earning business checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
3230 Ridge Pt
Bettendorf, IA 52722
Community Business Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
716 8th St
Boone, IA 50036
Complete Business Checking
0.80%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
2920 Gordon Dr
Sioux City, IA 51105
Checking Accounts - Personal & Business
0.75%
$25
View
▼
Rate0.75%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
716 8th St
Boone, IA 50036
Complete Business Checking
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
716 8th St
Boone, IA 50036
Complete Business Checking
0.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
716 8th St
Boone, IA 50036
Complete Business Checking
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd
Bettendorf, IA 52722
Premier Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99

Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
716 8th St
Boone, IA 50036
Complete Business Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Commercial Checking (Account No Longer Offered)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St
What Cheer, IA 50268
Commercial Plus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Citizens First Bank Clinton, IA
Institution Rating:
B+4.7 ★ Texas Ratio: 18.79%
1442 Lincoln Way
Clinton, IA 52732
Total Business Checking Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Waukee, 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 Waukee, 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 Waukee, Iowa earn interest?

Most traditional local checking accounts in Waukee, Iowa earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Waukee, Iowa FDIC insured?

Yes. Legitimate banks with branches in Waukee, Iowa are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Waukee, Iowa

Based on our current data, some of the highest checking account APYs available to residents of Waukee, Iowa include:
  • Greater Iowa Credit Union
    Greater CheckingTM — 5.00% APY
  • Dupaco Community Credit Union
    1st Rate Checking — 3.00% APY
  • West Bank
    Reward Me Checking — 1.31% APY
  • Charter Bank IA
    Charter Complete Checking — 0.35% APY
  • Farmers Savings Bank Colesburg, IA
    STAR Checking — 9.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waukee, Iowa. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Waukee, Iowa Rates & Resources

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