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

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| ✓Fact Checked | Last Updated: May 12, 2026

Current Cedar Falls, Iowa and the surrounding area money market deposit account rates include Collins Community Credit UnionCollins Community Credit Union5908 Winterberry Dr, Cedar Falls, IA 50613B-4.3 ★Texas Ratio: 23.97% Signature Money Market at 3.05% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA 50613 2831A+5.0 ★Texas Ratio: 3.75% Super Money Market at 2.45% APY, Unite Credit UnionUnite Credit Union802 W 29th St, Cedar Falls, IA 50613 5022A+5.0 ★Texas Ratio: 1.37% Money Market at 1.85% APY, First Bank Waverly, IAFirst Bank Waverly, IA602 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 2.66% Money Market at 1.00% APY, and Atkins Savings B&TAtkins Savings B&TA+5.0 ★Texas Ratio: 2.49% Money Market Account at 3.56% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Cedar Falls has 4 local institutions in our database, with money market rates as high as 3.05% APY from Collins Community Credit Union at 5908 Winterberry Dr, Cedar Falls, IA 50613. Use the table below to compare all available offers, including options from institutions serving the broader Iowa area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Cedar Falls, Iowa and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Cedar Falls, Iowa & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Signature Money Market
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

With an active checking account

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
2.86%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
2.66%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
2.16%
$0
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
2.05%
$0
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
1.94%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.65%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.45%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.45%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.15%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Bank Waverly, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
602 Main St, Cedar Falls, IA 50613
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Bank Waverly, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
602 Main St, Cedar Falls, IA 50613
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Signature Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Without an active checking account

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Bank Waverly, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
602 Main St, Cedar Falls, IA 50613
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Bank Waverly, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
602 Main St, Cedar Falls, IA 50613
Money Market
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Bank Waverly, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
602 Main St, Cedar Falls, IA 50613
Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
5908 Winterberry Dr, Cedar Falls, IA 50613
Money Market Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

New deposits only

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.25%
$1,000,000
View
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 5, 2026
Details

Frontier Bank Sioux Falls, SD
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Select
3.25%
$50,000
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
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%
Cheers Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
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%
Cheers Money Market
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.00%
$500,000
View
▼
Rate2.96%
Min Deposit$500,000
Min Balance—
UpdatedMay 5, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Personal Prime Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
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%
Community Impact Money Market
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.75%
$250,000
View
▼
Rate2.72%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
2.53%
$50
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

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

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

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.50%
$100,000
View
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
2.43%
$0
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
Money Market Special
2.40%
$10,000
View
▼
Rate2.37%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees.

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
10-Month Money Market
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

As high as; APY shown is accurate as of 1/5/26. Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees.

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
2.40%
$0
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

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

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Money Market
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Money Market Savings
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Minimum of $2,500 to earn dividends

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.25%
$25,000
View
▼
Rate2.23%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
eMoney Market
2.17%
$10,000
View
▼
Rate2.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
2.11%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Business Money Market
2.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
F&M Money Market*
2.05%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

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

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
2.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
1.87%
$0
View
▼
Rate1.87%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

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

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

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
Money Market & Commercial Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

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

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
1.51%
$50
View
▼
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
1.30%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Business Money Market
1.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 Cedar Falls, 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.

Cedar Falls, IA Money Market Rate Trends

Compare local Cedar Falls, IA 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
2.873%
Unchanged vs 7 days ago

Iowa high-yield MMA rates currently average 2.873% APY.

Standard MMA — IA Avg
0.824%
Unchanged vs 7 days ago

Iowa standard MMA rates currently average 0.824% APY.

As of May 14, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls, Iowa

Here are some of the highest money market account APYs currently available in Cedar Falls, Iowa and the surrounding area:
  • Collins Community Credit Union
    Signature Money Market — 3.05% APY
  • Cedar Falls Community Credit Union
    Super Money Market — 2.45% APY
  • Unite Credit Union
    Money Market — 1.85% APY
  • First Bank Waverly, IA
    Money Market — 1.00% APY
  • Atkins Savings B&T
    Money Market Account — 3.56% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cedar Falls, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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