Brian McKay
Current Whittemore, Iowa and the surrounding area money market deposit account rates include Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 1.71%Real return: +1.20%APY minus 2.8% CPI (February 2026) Cheers Money Market at 4.00% APY, Atkins Savings B&TAtkins Savings B&TA+5.0 ★Texas Ratio: 0.35%Real return: +0.76%APY minus 2.8% CPI (February 2026) Money Market Account at 3.56% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.61%Real return: +0.70%APY minus 2.8% CPI (February 2026) Super Money Market at 3.50% APY, PSB Wellsburg, IAPSB Wellsburg, IAA5.0 ★Texas Ratio: 10.37%Real return: +0.66%APY minus 2.8% CPI (February 2026) Money Market at 3.46% APY, and Central State Bank State Center, IACentral State Bank State Center, IAA5.0 ★Texas Ratio: 11.68%Real return: +0.45%APY minus 2.8% CPI (February 2026) CSB Money Market at 3.25% APY. Money market rates as of September 16, 2026 according to verified data from MonitorBankRates.
Whittemore is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Iowa area are available to Whittemore residents, with money market rates as high as 4.00% APY from Cent Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Whittemore, Iowa and surrounding area. Last Updated and Verified: September 16, 2026
Balance: $500,000.00 - $999,999.99
Balance: $200,000.00 - $499,999.99
Qualifications Required: eStatements; minimum of 10 Point of Sale (POS) debit transactions that total $100.00 originated with a PSB issued debit card posted to your account per cycle and 1 ACH transaction.; If the daily balance is greater than $25,000.00 the interest rate paid on that portion of the balance would be 0.40% with the APY range of 3.46%-0.40%. Personal accounts only. APY*=Annual Percentage Yield.
Balance: $1,000,000.00+
Balance: $100,000.00 - $199,999.99
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Balance: $75,000.00 - $99,999.99
Balance: $50,000.00 - $74,999.99
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Balance: $25,000.00 - $49,999.99
With an active checking account
With an active checking account
With an active checking account
With an active checking account
With an active checking account
With an active checking account
With an active checking account
With an active checking account
Balance: $5,000.00 - $24,999.99
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Minimum: $250,000.00 and above; Compound Frequency: Monthly
Tier 5
Daily balance of $300,000 or more
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Balance: $100,000.00 to $249,999.99; Compound Frequency: Monthly
Balance: $500,000.00 - $999,999.99
Period: Monthly
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Tier 4
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.
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
10 free monthly withdrawals, if over, a $10 charge plus tax will be assessed. Earn a rate of 2.50% APY on your account balances over $100,000.00. An interest rate of 2.00% APY on balances between $75,000.00 and $99,999.99. An interest rate of 1.50% APY on balances between $50,000.00 to $74,999.99. An interest rate of 0.05% APY on balances between $0.01 to $49,999.99.
Tier 3
$250,000.01
Daily balance of $500,000 or greater
Daily balance of $150,000 to $299,999.99
Balance: $250,000.00 - $499,999.99
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Balance: $500,000.00-$999,999.99
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Balance: $50,000.00 to $99,999.99; Compound Frequency: Monthly
Balance Tier: $500,000.00 and up
Daily balance of $50,000 to $149,999.99
Balance: $100,000.01 to $250,000.00
Compare local Whittemore, 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.
Iowa high-yield MMA rates currently average 3.037% APY.
Iowa standard MMA rates rose 0.003 points over the past 7 days to 0.753% APY.
Money market rates move with Federal Reserve policy. Our model uses the current IA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current IA high-yield money market average of 3.037% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Whittemore, Iowa.
Annual interest earnings at current IA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.037% APY) | Monthly Earnings | Standard MMA (0.753% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.65 / year | $25.30 | $75.27 / year | $6.27 |
| $25,000 | $759.13 / year | $63.26 | $188.18 / year | $15.68 |
| $50,000 | $1,518.25 / year | $126.52 | $376.35 / year | $31.36 |
| $100,000 | $3,036.50 / year | $253.04 | $752.70 / year | $62.73 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Whittemore, Iowa money market rate averages as of September 16, 2026. | ||||
MonitorBankRates tracks money market rate offers from 43 banks and credit unions available to Whittemore, Iowa residents via statewide and national offers. No branch locations physically in Whittemore are currently in our database, but all listed offers are open to Whittemore depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cent Credit Union offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Whittemore, Iowa.
What to compare when shopping for a money market account in Whittemore, Iowa
To find the best money market APYs in Whittemore, Iowa, start with credit unions and online-only banks: Whittemore, Iowa has 21 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current IA high-yield money market average is 3.037% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s IA high-yield money market average of 3.037%, saving 10% of the local median salary ($4,418/year) would earn an additional $134 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Whittemore, Iowa.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IA Avg APY | 3.037% | View Savings Rates | 0.753%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Whittemore, Iowa averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Whittemore, Iowa rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
At IA’s top money market rate of 4.00% from Cent Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Whittemore, Iowa earner is roughly $11,000. At 3.037% APY in a money market account, saving $920/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIowa’s high-yield money market average is 3.037% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Whittemore, Iowa earner makes $44,180/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.037% APY.
Retirement PlannerA $25,000 money market balance earning 3.037% APY grows to roughly $45,474 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Whittemore, Iowa money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Whittemore, 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 Whittemore, 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.