Highest Yielding Interest Checking Account Rates for Iowa, IA

Includes Online Banks, Local Banks and Credit Unions / Updated March 27, 2026

All rates listed are Annual Percentage Yield (APY).




  • 4.75% Online Rate
    $1 Min. to Earn APY
    Requires download of bank app and recording of over 12,500 average daily steps (10,000 if over 65). Other transaction requirements apply.

    | October 2, 2022

    easy workaround - open account with minimum balance, download app, do your steps, fund your account at end of month. easy. More Reviews

  • 4.10% Online Rate
    $0 Min. to Earn APY
  • 3.26% Online Rate
    $0 Min. to Earn APY
    New money only. Requires Direct Deposit.
  • 2.20% Online Rate
    $100,000 Min. to Earn APY
  • 2.02% Online Rate
    $0 Min. to Earn APY
  • 2.00% Online Rate
    $100 Min. to Earn APY
    Available in all states except MA/RI.
  • 2.00% Online Rate
    $50,000 Min. to Earn APY

    | May 22, 2023

    Your personal experiences OUTSIDE the bank shouldn't be the basis for your review of how the bank actually functions. More Reviews

  • 1.90% Online Rate
    $50,000 Min. to Earn APY
  • 1.10% Online Rate
    $0 Min. to Earn APY
    After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000.

    | November 27, 2021 |

    I tried to open account and was rejected. Called and was treated worse than I could have imagined any bank ever treating anyone. These guys can go to hell. More Reviews

  • 1.01% Online Rate
    $2,500 Min. to Earn APY
  • 1.00% Online Rate
    $2,500 Min. to Earn APY

    | September 18, 2022 |

    Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews

  • 0.50% Online Rate
    $0 Min. to Earn APY
    Members without direct deposit get 0.70% APY.
  • 0.50% Online Rate
    $1,500 Min. to Earn APY

    | May 21, 2022 |

    I saw the rate here and decided to open an account. After running into some problems with the application, I called and was on hold for 15 minutes before hanging up. You'd think that someone calling and pr... More Reviews

  • 0.45% Online Rate
    $25,000 Min. to Earn APY

    | June 19, 2024 |

    Least friendly bank I have ever dealt with. First wanted me to abandon my existing bank and move all direct deposit to them. Second no one even smiles or welcomes you. I got the feeling I was wasting t... More Reviews

  • 0.30% Online Rate
    $1,000 Min. to Earn APY

    | June 21, 2021 |

    This account is great. Had first opened an online savings account and then I locked into the 18-month No Penalty CD. While interest is still lost if you get out before a quarterly payment date, it provides... More Reviews

  • 0.30% Online Rate
    $1,000 Min. to Earn APY
  • 0.25% Online Rate
    $0 Min. to Earn APY

    | November 21, 2023 |

    Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews

  • 0.25% Online Rate
    $2,500 Min. to Earn APY
  • 0.25% Online Rate
    $50,000 Min. to Earn APY

    | June 27, 2023 |

    Amataur outfit - stay away More Reviews

  • 0.25% Online Rate
    $100,000 Min. to Earn APY
  • 0.21% Online Rate
    $25,000 Min. to Earn APY
  • 0.16% Online Rate
    $2,000 Min. to Earn APY
  • 0.15% Online Rate
    $0 Min. to Earn APY
  • 0.15% Online Rate
    $0 Min. to Earn APY
All rates listed above are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point.

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