Ames, Iowa (IA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Ames, Iowa and the surrounding area include Members1st Community Credit UnionMembers1st Community Credit Union423 Main St, Ames, IA 50010A+5.0 ★Texas Ratio: 3.76% Money Market Savings at 2.27% APY, First National Bank Ames, IowaFirst National Bank Ames, Iowa405 5th St, Ames, IA 50010A-5.0 ★Texas Ratio: 15.05% Individual Retirement Account (IRA) Savings at 2.02% APY, Greater Iowa Credit UnionGreater Iowa Credit Union801 Lincoln Way, Ames, IA 50010A5.0 ★Texas Ratio: 8.63% Greater Savings at 1.70% APY, Bankers Trust CompanyBankers Trust Company3725 Stange Rd, Ames, IA 50010A+5.0 ★Texas Ratio: 2.53% Regular Savings Platinum Tier at 1.05% APY, and VisionBank Of IowaVisionBank Of Iowa104 Chestnut St, Ames, IA 50010A+5.0 ★Texas Ratio: 0.56% Health Savings Account at 1.01% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ames, Iowa, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ames, Iowa (IA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ames, Iowa and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Ames, Iowa & Surrounding Communities
Minimum of $2,500 to earn dividends
Minimum of $2,500 to earn dividends
Minimum of $2,500 to earn dividends
Qualifications Required; Qualifying balance up to $50,000.00
Minimum of $2,500 to earn dividends
Minimum of $2,500 to earn dividends
Loyalty Program
Minimum of $2,500 to earn dividends
Loyalty Program
Commercial & Consumer Accounts
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Commercial & Consumer Accounts
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Commercial & Consumer Accounts
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Loyalty Program
Loyalty Program
Commercial & Consumer Accounts
Must be enrolled in a high-deductible health insurance plan and be age 18+ to open.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
No minimum to earn dividends
No minimum to earn dividends
$5.00 minimum deposit required to open account.
Standard Savings, Commerical Savings, Kids First Savings, and Celebration Savings
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
Minimum of $50 to earn dividends
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Qualifying balance up to $5,000.00
No fees; No hassle; No worries
Introductory APY
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.
Ames, IA Savings Rate Trends
Compare local Ames, IA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield savings rates rose 0.599 points this week to 1.936% APY, up from 1.337% last week.
Iowa standard savings rates rose 0.233 points this week to 0.603% APY, up from 0.371% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ames, 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 savings 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 Ames, Iowa. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Ames, Iowa
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ames, Iowa safe?
How often do savings rates change in Ames, Iowa?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Ames, Iowa?
How do I open a savings account in Ames, Iowa?
Best Savings Rates in Ames, Iowa
- Members1st Community Credit Union
Money Market Savings — 2.27% APY - First National Bank Ames, Iowa
Individual Retirement Account (IRA) Savings — 2.02% APY - Greater Iowa Credit Union
Greater Savings — 1.70% APY - Bankers Trust Company
Regular Savings Platinum Tier — 1.05% APY - VisionBank Of Iowa
Health Savings Account — 1.01% APY
