Best Money Market Rates in Sheldon, Iowa (IA) - May 2026
Content reviewed by
Brian McKay
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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.
Current Sheldon, Iowa and the surrounding area money market deposit account rates include IH Mississippi Valley Credit UnionIH Mississippi Valley Credit UnionB4.6 ★Texas Ratio: 20.04% Mega Money Market at 4.00% APY, Atkins Savings B&TAtkins Savings B&TA+5.0 ★Texas Ratio: 2.49% Money Market Account at 3.56% APY, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.81% Cheers Money Market at 3.55% APY, Financial Plus Credit UnionFinancial Plus Credit UnionA+5.0 ★Texas Ratio: 2.04% PLUS Money Market at 3.30% APY, and Frontier Bank Sioux Falls, SDFrontier Bank Sioux Falls, SDA+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.
Sheldon has 1 local institution in our database, with money market rates as high as 1.14% APY from North Star Community Credit Union Cherokee, IA at 101 N Runger Ste C, Sheldon, IA 51201. 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 Sheldon, Iowa and surrounding area. Last Updated and Verified: May 4, 2026
Compare the Best Money Market Rates Today in Sheldon, Iowa & the Surrounding Area
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%
Mega Money Market
4.00%
$0
▼
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%
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
Mega Money Market
3.50%
$0
▼
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%
Cheers Money Market
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
3.30%
$0
▼
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%
Money Market Select
3.25%
$50,000
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
6-month money market
3.25%
$25,000
▼
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%
Mighty Miss Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.15%
$0
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
Insured Money Market
3.14%
$0
▼
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
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
3.09%
$0
▼
Rate3.05%
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
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Signature Money Market
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
With an active checking account
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
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%
Personal Prime Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
Mega Money Market
3.00%
$0
▼
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%
Mighty Miss Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.95%
$0
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Business Money Market
2.83%
$0
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.80%
$0
▼
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
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Business Money Market
2.63%
$0
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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%
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.50%
$0
▼
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%
Super Money Market
2.45%
$0
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Business Money Market
2.43%
$0
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
2.40%
$0
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Money Market Plus
2.33%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Money Market Savings
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
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%
Money Market Account
2.25%
$1,000
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Business Money Market
2.14%
$0
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Money Market Plus
2.13%
$0
▼
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%
Advantage Money Market
2.11%
$0
▼
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%
Business Money Market
2.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Money Market
2.05%
$0
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
Advantage Plus Money Market
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Mega Saver Money Market and over
2.05%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
$50,000
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
F&M Money Market
2.05%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Business Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Money Market Savings
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.00%
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%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
2.01%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Account
2.00%
$1,000
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.04%
Mega Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $15,000.00
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Money Market Plus
1.93%
$0
▼
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%
Money Market
1.90%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
Advantage Plus Money Market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
1.87%
$0
▼
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%
Money Market and over
1.87%
$0
▼
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%
Money Market Share
1.86%
$2,500
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Money Market
1.85%
$0
▼
Rate1.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
1.82%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Money Market Savings
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
Advantage Plus Money Market
1.75%
$0
▼
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%
Money Market Savings Account
1.75%
$0
▼
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%
Money Market
1.75%
$2,500
▼
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%
Money Market Account
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Business Prime Money Market Account
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Business Money Market
1.74%
$0
▼
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%
Advantage Money Market
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
Money Market & Commercial Money Market
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.55%
$0
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details
Limited time offer
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
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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 Sheldon, 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.
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.
Sheldon, IA Money Market Rate Trends
Compare local Sheldon, 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.
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
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Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Sheldon, 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 Sheldon, 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 Sheldon, 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 Sheldon, 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 Sheldon, 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 Sheldon, 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 Sheldon, 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 Sheldon, Iowa
Here are some of the highest money market account APYs currently available in Sheldon, Iowa and the surrounding area:
- 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 Sheldon, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026
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