Highest Money Market Rates in Iowa
62 Iowa-specific accounts
Top Iowa Rate:3.85% APYFDIC or NCUA Insured
The Iowa market
Iowa accounts
62
Institutions
47
Top Iowa APY
3.85% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
62 money market accounts are open only to Iowa residents, from 47 institutions. The highest advertised APY among them is 3.85%.
The highest nationally available rate is 4.00% APY, 15 basis points above the Iowa leader.
48 of the 62 Iowa money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Iowa-Specific Money Market Accounts
Money market accounts specifically available to Iowa residents.
| Institution | Product / Term | APY |
|---|---|---|
| Old National Bank | Market Monitorneeds at least $20,000 | Up to3.85% |
| UMB Bank, National Association | UMB Retail Money Marketneeds at least $10,000 | 3.71% |
| First Mid Bank & Trust, National Association | Jumbo Money Marketneeds at least $250,000 | 3.70% |
| Atkins Savings Bank & Trust | Money Market Accountneeds at least $500,000 | 3.56% |
| Earlham Savings Bank | Money Marketneeds at least $100,000 | Up to3.25% |
| Washington State Bank | Elite MMDAneeds at least $1,000,000 | 3.25% |
| Iowa State Bank | Money Marketneeds at least $250,000 | Up to3.10% |
| TruBank | TruInvestor Money Marketneeds at least $1,000,000 | Up to2.90% |
| First Nebraska Bank | Money Market Investment Accountneeds at least $250,000 | Up to2.89% |
| American Bank and Trust Company, National Association | High Yield Money Marketbalances of $250,000 to $999,999.99 only | Up to2.84% |
| Great Southern Bank | Money Market Plus | 2.78% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Community State Bank | Money Market Savingsneeds at least $500,000 | Up to2.75% |
| Frontier Bank | Money Market Select | 2.75% |
| Farmers State Bank | Money Market Accountneeds at least $250,000 | Up to2.70% |
| Nicolet National Bank | MVP Money Market Account (MVP MMA)needs at least $1,000,000 | Up to2.65% |
| Union State Bank | Advantage Money Marketneeds at least $1,000,000 | Up to2.53% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Chelsea Savings Bank | Prime Money Marketneeds at least $250,000.01 | Up to2.27% |
| Farmers and Merchants State Bank | F&M Money Marketneeds at least $1,000,000 | Up to2.20% |
| Solon State Bank | HiFi Accountneeds at least $250,000 | Up to2.20% |
| Westside State Bank | Money Market Accountneeds at least $500,000 | Up to2.17% |
| Farmers State Bank | Money Market Accountneeds at least $250,000 | Up to2.01% |
| Charter Bank | Charter Capital Accountneeds at least $250,000 | 1.90% |
| First Bank | Money Marketneeds at least $250,000 | Up to1.75% |
| Marion County State Bank | Money Market Accountneeds at least $1,000,000 | Up to1.75% |
| Bridge Community Bank | Money Market Savings Accountneeds at least $50,000 | Up to1.56% |
| Bridge Community Bank | Money Market Plusneeds at least $50,000 | Up to1.56% |
| Lincoln Savings Bank | Premier Money Marketneeds at least $1,000,000 | Up to1.51% |
| TruBank | Money Market Accountneeds at least $750,000 | Up to1.50% |
| Farmers Trust and Savings Bank | Money Marketneeds at least $249,999 | Up to1.41% |
| Primebank | Money Marketneeds at least $100,000 | Up to1.40% |
| Bank Iowa | Premier Money Marketneeds at least $1,000,000 | Up to1.37% |
| Union State Bank | Money Marketneeds at least $25,000 | Up to1.26% |
| Bank Iowa | Money Marketneeds at least $500,000 | Up to1.10% |
| Charter Bank | Charter Money Marketneeds at least $25,000 | Up to1.10% |
| First Security State Bank | Platinum Money Market Accountneeds at least $250,000 | Up to1.05% |
| Iowa State Savings Bank | Consumer Money Marketneeds at least $200,000 | Up to1.05% |
| Peoples Savings Bank | Hi-Fi Money Marketneeds at least $500,000.01 | Up to1.05% |
| Exchange State Bank | Money Market Accountneeds at least $250,000 | Up to1.00% |
| First Security State Bank | Money Market Accountneeds at least $100,000 | Up to1.00% |
| Green Belt Bank & Trust | Money Market Prime Accountneeds at least $1,000,000 | Up to1.00% |
| Premier Bank | Money Marketneeds at least $100,000 | Up to1.00% |
| Premier Bank | Choice Money Marketbalances of $250,000.01 to $500,000 only · needs a linked account at the bank | Up to1.00% |
| Washington State Bank | Tiered MMDAneeds at least $250,000 | Up to1.00% |
| Boone Bank & Trust Co. | HiFi Money Marketneeds at least $100,000 | Up to0.75% |
| Federation Bank | Earnings Money Marketneeds at least $250,000 | 0.75% |
| Denver Savings Bank | Gold Money Marketneeds at least $1,000,000 | Up to0.70% |
| Fidelity Bank & Trust | Money Marketneeds at least $1,000,000 | Up to0.55% |
| Denver Savings Bank | Money Marketneeds at least $250,000 | Up to0.50% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |