Savings Account Interest Rates

Effective Date: 06/09/2023

The interest rate and annual percentage yield (APY) are effective as of 6/09/2023, and may change without notice. Fees may reduce earnings.

Savings Accounts* Base Interest Rate Base APY

Loyalty Program**

Bronze Tier APY

Loyalty Program**

Silver Tier APY

Loyalty Program**

Gold Tier APY

Loyalty Program**

Platinum Tier APY

Bonus Interest Rate N/A N/A 0.00% 0.00% 0.40% 0.50%
Regular Savings – All Balances 0.55% 0.55% 0.55% 0.55% 0.95% 1.05%
  Minimum opening deposit $200
Investment Savings, Fiduciary Savings and Secure LifeStyles Savings
Balance less than $5,000 0.70% 0.70% 0.70% 0.70% 1.10% 1.20%

Balance $5,000-$9,999.99

0.73% 0.73% 0.73% 0.73% 1.13% 1.23%

Balance $10,000-$49,999.99

0.75% 0.75% 0.75% 0.75% 1.15% 1.25%

Balance $50,000-$99,999.99

0.93% 0.93% 0.93% 0.93% 1.33% 1.43%

Balance $100,000 and over

0.95% 0.95% 0.95% 0.95% 1.35% 1.45%


Additional Information

*Federal transaction limits apply to transfers to another account and third-party transfers.

Advertised APY available to customers residing in the Des Moines and Ames metropolitan area. You may call (515) 245-2863 to obtain current interest rate information. See the Truth-in-Savings Disclosure in the Consumer Terms and Conditions brochure for additional disclosure information.

** Loyalty Program Bonus Interest Rate Terms

Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Loyalty Program.

Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.

Frequency of rate changes — We may change the bonus interest rate on your account every time you qualify for a different benefits tier.

Limitations on rate changes — The interest rate will never drop below the variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.

Please see information about qualifying for the Benefits Banking Loyalty Program.