Lake City, Iowa (IA) Savings Rates - April 2026
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The savings 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.
The best savings rates for Lake City, Iowa and the surrounding area include United Bank of IowaUnited Bank of Iowa201 N Center St, Lake City, IA 51449A+5.0 ★Texas Ratio: 4.28% UBI Kids Savings Club at 0.50% APY, Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY, First Federal Credit UnionFirst Federal Credit UnionA5.0 ★Texas Ratio: 12.07% Kids First Savings at 5.00% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 15.61% Elite Savings at 4.25% APY, and IH Mississippi Valley Credit UnionIH Mississippi Valley Credit UnionB4.6 ★Texas Ratio: 20.04% SavingsBooster at 4.00% APY.
Lake City has 1 local institution in our database, with savings rates as high as 0.50% APY from United Bank of Iowa at 201 N Center St, Lake City, IA 51449. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Lake City, Iowa and the surrounding area. Last Updated and Verified: April 11, 2026
Compare the Best Savings Rates in Lake City, Iowa & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
United Bank of Iowa
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
201 N Center St, Lake City, IA 51449
UBI Kids Savings Club
0.50%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $1,000.00; Bonus - $25 match by UBI after first $25 deposit
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Snap $tack Savings
5.12%
$1,000
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $5,000.00
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Kids First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Qualifying balance up to $500.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Preferred Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $14,999.99
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Cedar Rapids Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
A savings account designed for children 18 years of age and under
4.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Iowa Trust & SB Emmetsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
High Yield Savings Account
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
No fees; No hassle; No worries
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Business High-Yield Savings
3.56%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
3.46%
$0
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
CNB Health Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Community Business Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
Individual Retirement Account (IRA) - Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
CNB Health Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
HSA (Health Savings Account)
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
with e-statements
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Green+ Savings
3.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Christmas Club Savings
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $10,000.00
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Preferred Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Ultimate Savings Account
3.00%
$10,000
▼
Rate2.97%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
In-Branch Only; $10,000.00 deposit required to open account
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Health Savings Account
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
$100.00 deposit required to open account
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
Individual Retirement Account (IRA) - Savings
2.88%
$0
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Preferred Rate Savings
2.78%
$50,000
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
JUMBO SAVINGS ACCOUNT
2.77%
$0
▼
Rate2.74%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Lincoln Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Companion Savings Account
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
2.73%
$0
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Savings
2.52%
$50
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Health Savings Account
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
$100.00 deposit required to open account
Mount Vernon B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Health Savings Account
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.45%
$50,000
▼
Rate2.42%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Individual Retirement Account (IRA) Savings
2.26%
$100,000
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Ultimate Savings Account
2.25%
$10,000
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
In-Branch Only; $10,000.00 deposit required to open account
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Bright Savings Online-Only Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.25%
$50,000
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Rate2.17%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
Investor's Advantage Savings
2.17%
$0
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA Share Savings
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
First-time Homebuyer Savings
2.12%
$100
▼
Rate3.90%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Qualifying balance up to $20,000.00
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
2.05%
$50,000
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
SavingsBooster
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
High-Yield Savings
1.85%
$50,000
▼
Rate1.83%
Min Deposit$50,000
Min Balance—
UpdatedApr 8, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Money Market Savings Account
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
*High Yield Share Draft Checking
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Greater Savings
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Qualifying balance up to $50,000.00; Qualifications Required
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Money Market Savings
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum of $2,500 to earn dividends
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Health Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 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.
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.
Lake City, IA Savings Rate Trends
Compare local Lake City, IA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — IA Avg
2.275%
▼ 0.102 vs 7 days ago
Iowa high-yield savings rates fell 0.102 points over the past 7 days to 2.275% APY, down from 2.376%.
Standard Savings — IA Avg
0.839%
Unchanged vs 7 days ago
Iowa standard savings rates currently average 0.839% APY based on data from institutions in our monitoring network.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Lake City, 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 Lake City, 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 Lake City, Iowa
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Iowa, help your money grow faster through a higher APY.
Are savings accounts in Lake City, 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 savings rates change in Lake City, Iowa?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Lake City, Iowa may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Lake City, Iowa?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lake City, Iowa offer in-person customer service, which some customers prefer.
How do I open a savings account in Lake City, Iowa?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Lake City, Iowa
Here are recent savings rates observed in Lake City, Iowa and the surrounding area:
- United Bank of Iowa
UBI Kids Savings Club — 0.50% APY - Fidelity Bank & Trust (IA)
Snap $tack Savings — 5.12% APY - First Federal Credit Union
Kids First Savings — 5.00% APY - Vibrant Credit Union
Elite Savings — 4.25% APY - IH Mississippi Valley Credit Union
SavingsBooster — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lake City, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026
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