Highest IRA Savings Account Rates in Iowa
32 Iowa-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Iowa Rate:4.33% APYFDIC or NCUA Insured

The Iowa market

Iowa accounts

Institutions

Top Iowa APY

4.33% APY

Nationally: 2.00% APY

FDIC national average

0.37%

As of Sep 2026

32 IRA savings accounts are open only to Iowa residents, from 26 institutions. The highest advertised APY among them is 4.33%.

The highest nationally available rate is 2.00% APY, 233 basis points below the Iowa leader.

27 of the 32 Iowa IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Iowa-Specific IRA Savings Accounts

IRA Savings accounts specifically available to Iowa residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Atkins Savings Bank & Trust IRA Variable Rate 4.33%APY Min. balance: $1,000 Observed: Oct 13, 2026 Show Details	+$433per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#2	Iowa State Bank Traditional IRA - Variable Rate 4.22%APY Observed: Oct 12, 2026 Show Details	+$422per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#3	Iowa State Bank Roth IRA - Variable Rate 4.22%APY Observed: Oct 12, 2026 Show Details	+$422per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#4	Iowa State Bank Traditional IRA - Fixed Rate 4.06%APY Observed: Oct 12, 2026 Show Details	+$406per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#5	Iowa State Bank Roth IRA - Fixed Rate 4.06%APY Observed: Oct 12, 2026 Show Details	+$406per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#6	Washington State Bank IRA 3.50%APY Observed: Oct 3, 2026 Show Details	+$350per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#7	Reliance State Bank IRA Savings Up to3.53%APY Needs at least $25,000 Observed: Oct 3, 2026 Show Details	+$328per yearEffective: 3.28%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#8	Farmers State Bank IRA Savings 3.03%APY Observed: Oct 7, 2026 Show Details	+$303per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#9	Community State Bank IRA 2.78%APY Observed: Oct 7, 2026 Show Details	+$278per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#10	Chelsea Savings Bank IRA 2.52%APY Observed: Oct 7, 2026 Show Details	+$252per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#11	First State Bank IRA Savings 2.52%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$252per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#12	Peoples Savings Bank Individual Retirement Accounts (IRA) 2.50%APY Observed: Oct 7, 2026 Show Details	+$250per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#13	Ashton State Bank IRA Passbook 2.37%APY Observed: Oct 7, 2026 Show Details	+$237per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#14	Solon State Bank IRAs 2.27%APY Observed: Oct 7, 2026 Show Details	+$227per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#15	Citizens Savings Bank IRA Savings 2.02%APY Observed: Oct 7, 2026 Show Details	+$202per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	Fidelity Bank & Trust IRA Savings Up to2.52%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$202per yearEffective: 2.02%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#17	Boone Bank & Trust Co. Individual Retirement Account (IRA) Savings Up to2.26%APY Needs at least $100,000 Observed: Oct 7, 2026 Show Details	+$201per yearEffective: 2.01%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#18	First State Bank IRA/Roth/Coverdell Ed. Savings 1.81%APY Observed: Oct 7, 2026 Show Details	+$181per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#19	Westside State Bank IRA Savings 1.36%APY Observed: Oct 13, 2026 Show Details	+$136per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#20	Bridge Community Bank Individual Retirement Account Up to1.81%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$131per yearEffective: 1.31%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#21	COMMUNITY 1ST IRA Shares 0.90%APY Min. balance: $100 Observed: Oct 4, 2026 Show Details	+$90per year	Features Low MinimumsIn-Person Access	$100
#22	DES MOINES METRO IRA Shares 0.85%APY Min. balance: $100 Observed: Oct 13, 2026 Show Details	+$85per year	We could not confirm: minimum deposit. Features Low MinimumsIn-Person Access	N/A
#23	Exchange State Bank IRA 0.65%APY Observed: Oct 7, 2026 Show Details	+$65per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#24	DUPACO COMMUNITY Roth IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#25	DUPACO COMMUNITY Traditional IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#26	Bank Plus IRA Savings Up to0.55%APY Needs at least $75,000.01 Observed: Oct 7, 2026 Show Details	+$25per yearEffective: 0.25%	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#27	EMPEOPLE IRA Accumulation Share 0.25%APY Min. balance: $25 Observed: Oct 13, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Features Low MinimumsIn-Person Access	N/A
#28	Nicolet National Bank Individual Retirement Account (IRA) 0.15%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#29	Nicolet National Bank Relationship IRA Money Market Account Up to0.15%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#30	TruBank IRA Savings 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#31	Federation Bank IRA Savings 0.05%APY No min. balance for APY Observed: Oct 12, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250

Atkins Savings Bank & Trust

IRA Variable Rate

+$433

per year

4.33% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9096)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteAtkins Savings Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Iowa State Bank

Traditional IRA - Variable Rate

+$422

per year

4.22% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15947)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.07%

Since 30 days ago

Official SiteIowa State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Iowa State Bank

Roth IRA - Variable Rate

+$422

per year

4.22% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15947)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.07%

Since 30 days ago

Official SiteIowa State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Iowa State Bank

Traditional IRA - Fixed Rate

+$406

per year

4.06% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15947)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.60%

Since 30 days ago

Official SiteIowa State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Iowa State Bank

Roth IRA - Fixed Rate

+$406

per year

4.06% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15947)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.60%

Since 30 days ago

Official SiteIowa State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Washington State Bank

IRA

+$350

per year

3.50% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank charges $50.00 to terminate the account, $50.00 to transfer funds out and $50.00 to roll funds over. There is no maintenance charge.

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 214)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteWashington State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Reliance State Bank

IRA Savings

+$328

per year

3.53% APY

Oct 3, 2026

Needs at least $25,000

APY Range: 3.28% – 3.53%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9299)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteReliance State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Farmers State Bank

IRA Savings

+$303

per year

3.03% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The bank marks this account with its early withdrawal penalty footnote, so a withdrawal before maturity carries a substantial penalty.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9295)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFarmers State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Community State Bank

IRA

+$278

per year

2.78% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 17551)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCommunity State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

Chelsea Savings Bank

IRA

+$252

per year

2.52% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A fee of $25.00 applies to each transaction on this account.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15427)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteChelsea Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

First State Bank

IRA Savings

+$252

per year

2.52% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57910)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Peoples Savings Bank

Individual Retirement Accounts (IRA)

+$250

per year

2.50% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14868)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePeoples Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Ashton State Bank

IRA Passbook

+$237

per year

2.37% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11343)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteAshton State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

Solon State Bank

IRAs

+$227

per year

2.27% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 232)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSolon State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Citizens Savings Bank

IRA Savings

+$202

per year

2.02% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12128)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCitizens Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

Fidelity Bank & Trust

IRA Savings

+$202

per year

2.52% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 2.02% – 2.52%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14382)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFidelity Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Boone Bank & Trust Co.

Individual Retirement Account (IRA) Savings

+$201

per year

2.26% APY

Oct 7, 2026

Needs at least $100,000

APY Range: 2.01% – 2.26%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 33552)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBoone Bank & Trust Co.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

First State Bank

IRA/Roth/Coverdell Ed. Savings

+$181

per year

1.81% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8522)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteFirst State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Westside State Bank

IRA Savings

+$136

per year

1.36% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 18518)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteWestside State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

Bridge Community Bank

Individual Retirement Account

+$131

per year

1.81% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 1.11% – 1.81%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12717)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBridge Community Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

COMMUNITY 1ST

IRA Shares

+$90

per year

0.90% APY

Oct 4, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCOMMUNITY 1ST

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

DES MOINES METRO

IRA Shares

+$85

per year

0.85% APY

Oct 13, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The dividend rate can change.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteDES MOINES METRO

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

Exchange State Bank

IRA

+$65

per year

0.65% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	unknown
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10132)
Eligibility	United States
Mobile Ratings
BBB Rating	Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteExchange State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

DUPACO COMMUNITY

Roth IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

DUPACO COMMUNITY

Traditional IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

Bank Plus

IRA Savings

+$25

per year

0.55% APY

Oct 7, 2026

Needs at least $75,000.01

APY Range: 0.25% – 0.55%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change at any time after the account is opened.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16547)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank Plus

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

EMPEOPLE

IRA Accumulation Share

+$25

per year

0.25% APY

Oct 13, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change after account opening.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteEMPEOPLE

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

Nicolet National Bank

Individual Retirement Account (IRA)

+$15

per year

0.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57038)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

Nicolet National Bank

Relationship IRA Money Market Account

+$15

per year

0.15% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 0.01% – 0.15%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change at any time at the bank's discretion. The account requires a relationship, which the bank defines as direct deposit checking.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57038)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#30

TruBank

IRA Savings

+$10

per year

0.10% APY

Oct 13, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 25267)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteTruBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#31

Federation Bank

IRA Savings

+$5

per year

0.05% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14352)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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Nationally Available IRA Savings Accounts

The 3 highest-rate ira savings accounts available nationwide, including in Iowa.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal IRA Savings	2.00%	$0
Synchrony Bank	IRA Money Market Account	2.00%	$0
Carver Bank	Savings Liquit IRA	0.10%	$100

See the full national list