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Best Money Market Rates in Iowa (IA) - May 2026

Content reviewed by
Brian McKay Brian McKay
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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 | Last Updated: May 4, 2026

Current Iowa money market deposit account rates include IH Mississippi Valley Credit UnionIH Mississippi Valley Credit Union1703 11th St, De Witt, IA 52742 1297B4.6 ★Texas Ratio: 20.04% Mega Money Market at 4.00% APY, Atkins Savings B&TAtkins Savings B&T97 Main Ave, Atkins, IA 52206A+5.0 ★Texas Ratio: 2.49% Money Market Account at 3.56% APY, Cent Credit UnionCent Credit Union3124 4th St SW, Mason City, IA 50401 1522A+5.0 ★Texas Ratio: 2.81% Cheers Money Market at 3.55% APY, Financial Plus Credit UnionFinancial Plus Credit Union1831 25th St, West Des Moines, IA 50266 1416A+5.0 ★Texas Ratio: 2.04% PLUS Money Market at 3.30% APY, and Frontier Bank Sioux Falls, SDFrontier Bank Sioux Falls, SD323 Main St, Little Rock, IA 51243A+5.0 ★Texas Ratio: 0.00% Money Market Select at 3.25% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Iowa side-by-side. Iowa money market rates currently reach as high as 4.00% APY from IH Mississippi Valley Credit Union at 1703 11th St, De Witt, IA 52742 1297. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Iowa and surrounding area. Last Updated and Verified: May 4, 2026

Compare the Best Money Market Rates Today in Iowa

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
Mega Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $100,000.00

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
97 Main Ave, Atkins, IA 52206
Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
Mega Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $100,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Frontier Bank Sioux Falls, SD
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
323 Main St, Little Rock, IA 51243
Money Market Select
3.25%
$50,000
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
201 Bennett Ave, Council Bluffs, IA 51503
6-month money market
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

New deposits only

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
Mighty Miss Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
Insured Money Market
3.14%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $15,000,000

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
97 Main Ave, Atkins, IA 52206
Money Market Account
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Signature Money Market
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

With an active checking account

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
Premier Money Market
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details

Limited time offer

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
Personal Prime Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
Mega Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $50,000.00

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
Mighty Miss Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
TruInvestor Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.83%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
2.80%
$0
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Community Impact Money Market
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
TruInvestor Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
Mighty Miss Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.63%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Community Impact Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
Premier Money Market
2.53%
$50
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details

Limited time offer

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
97 Main Ave, Atkins, IA 52206
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
Money Market*
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
Mighty Miss Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
Super Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.43%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
2.43%
$0
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
2.40%
$0
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
2.33%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Community Impact Money Market
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
Money Market
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
Mighty Miss Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Money Market Account
2.25%
$1,000
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
Super Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
TruInvestor Money Market
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.14%
$0
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
2.13%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Advantage Money Market
2.11%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA 52722
Business Money Market
2.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Advantage Plus Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
Mega Saver Money Market and over
2.05%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details

$50,000

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
Super Money Market
2.05%
$0
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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 Money Market
2.05%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
97 Main Ave, Atkins, IA 52206
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
Business Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
Premier Money Market
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details

Limited time offer

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
Money Market
2.01%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
TruInvestor Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
1703 11th St, De Witt, IA 52742 1297
Mega Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Money Market Account
2.00%
$1,000
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
1.93%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
Money Market
1.90%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Advantage Plus Money Market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
1.87%
$0
View
▼
Rate1.87%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
2811 E 13th St, Ames, IA 50010
Money Market and over
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$25,000

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
Money Market Share
1.86%
$2,500
View
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA 50613 5022
Money Market
1.85%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
Super Money Market
1.85%
$0
View
▼
Rate1.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
1.82%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Community Impact Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
Money Market Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Advantage Plus Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Money Market Savings Account
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

if balance is; $100,000 & above @ 1.75% APY on entire account.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
Money Market
1.75%
$2,500
View
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
Money Market Account
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
Business Prime Money Market Account
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
1.74%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
Advantage Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
Money Market & Commercial Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
Money Market Account
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
Money Market Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
Premier Money Market
1.51%
$50
View
▼
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details

Limited time offer

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
Community Impact Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
TruInvestor Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

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. Rates reflect recent market quotes and representative offers available to depositors in Iowa and the surrounding area.

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.

Iowa Money Market Rate Trends

Compare local Iowa money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Iowa MMA Trends →
High-Yield MMA — IA Avg
2.860%
▼ 0.021 vs 7 days ago

Iowa high-yield MMA rates fell 0.021 points over the past 7 days to 2.860% APY.

Standard MMA — IA Avg
0.912%
▲ 0.031 vs 7 days ago

Iowa standard MMA rates rose 0.031 points over the past 7 days to 0.912% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for 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 money market 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 Iowa. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Iowa

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Iowa.

Are Money Market accounts in 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 MMA rates change in Iowa?

Money market 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.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Iowa?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Iowa require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Iowa

Here are some of the highest money market account APYs currently available in Iowa:
  • IH Mississippi Valley Credit Union
    Mega Money Market — 4.00% APY
  • Atkins Savings B&T
    Money Market Account — 3.56% APY
  • Cent Credit Union
    Cheers Money Market — 3.55% APY
  • Financial Plus Credit Union
    PLUS Money Market — 3.30% APY
  • Frontier Bank Sioux Falls, SD
    Money Market Select — 3.25% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026

Iowa Rates & Resources

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Cities in Iowa

  • Ackley
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  • Adair
  • Adel
  • Afton
  • Agency
  • Ainsworth
  • Akron
  • Albert City
  • Albia
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  • Alburnett
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  • Algona
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  • Allerton
  • Allison
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  • Alvord
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  • Andover
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  • Anita
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  • Arcadia
  • Archer
  • Aredale
  • Argyle
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  • Arthur
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  • Auburn
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  • Bondurant
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  • Bouton
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  • Boyden
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  • Bradford
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  • Protivin
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  • Reinbeck
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  • Robins
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  • Rock Valley
  • Rockford
  • Rockwell
  • Rockwell City
  • Rodney
  • Roland
  • Rolfe
  • Rome
  • Rose Hill
  • Rowan
  • Rowley
  • Royal
  • Rudd
  • Runnells
  • Russell
  • Ruthven
  • Rutland
  • Ryan
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