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Top sourced APY right now: EverBank 4.2% (as of 2026-10-12). These are online banks that open accounts nationwide, so Iowa residents can typically apply online; confirm eligibility on each bank's site.
We don't track local or state-chartered banks or credit unions, so this list has no Iowa-only institutions. Every rate is from the bank's own page (⚑ = third-party), with its as-of date.
| # | Online bank | APY | Min for APY | Monthly fee | Interest on $10k / yr | As of |
|---|---|---|---|---|---|---|
| 1 | EverBank | 4.2% | $0.00 | $0.00/mo | $420 | 2026-10-12 · source |
| 2 | Bread Savings | 4.05% | $1.00 | $0.00/mo | $405 | 2026-10-12 · source |
| 3 | Bask Bank | 3.9% | $0.00 | $0.00/mo | $390 | 2026-10-12 · source |
| 4 | Openbank | 3.8% | $0.01 | $0.00/mo | $380 | 2026-10-12 · source |
| 5 | CIT Bank Platinum Savings | 3.75% | $5,000 | $0.00/mo | $375 | 2026-10-12 · source |
| 6 | Synchrony ⚑ | 3.55% | $0.00 | $0.00/mo | $355 | 2026-10-10 · source |
| 7 | Wealthfront Cash | 3.55% | $0.00 | $0.00/mo | $355 | 2026-10-12 · source |
| 8 | Marcus by Goldman Sachs | 3.5% | $0.00 | $0.00/mo | $350 | 2026-10-12 · source |
| 9 | Betterment Cash | 3.5% | $10.00 | $0.00/mo | $350 | 2026-10-12 · source |
| 10 | UFB Direct | 3.26% | $0.00 | $0.00/mo | $326 | 2026-10-12 · source |
| 11 | Ally | 3.1% | $0.00 | $0.00/mo | $310 | 2026-10-12 · source |
| 12 | Capital One 360 Performance Savings | 3.1% | $0.00 | $0.00/mo | $310 | 2026-10-12 · source |
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Among the nationwide online banks we track, the top standard APY is shown at the top of this page with its as-of date. We don't track Iowa-only banks or credit unions.
They open accounts online for US residents nationwide according to their sites; confirm eligibility on each bank's site before applying.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.