Iowa Savings Bank online banking IA 51401
Follow Us:
Banks » Iowa » Carroll

A Comprehensive Guide to Choosing the Best Banks and Bank Rates in Iowa


Choosing the right bank is crucial for effective financial management. In Iowa, a state with a robust financial sector, finding the best bank is essential for your financial well-being. In this article, we will explore key factors to consider when choosing a bank in Iowa and highlight some of the best bank rates currently available in the state.

Define Your Financial Goals:

Start by defining your financial goals and needs. Consider whether you require basic banking services, specialized accounts, loans, credit cards, or investment opportunities. Understanding your objectives will help you narrow down your options and find a bank that aligns with your specific needs.

Which local bank is the best?
Research Bank Reputation and Stability:

The reputation and stability of a bank are crucial considerations. Look for banks with a strong presence in Iowa, a history of reliability, and positive customer feedback. A financially secure bank provides peace of mind and ensures the safety of your funds.

Evaluate the Range of Services:

Consider the range of services offered by each bank. Assess whether they provide convenient online and mobile banking options, accessible ATM networks, and branch locations that suit your preferences. Additionally, look for value-added services such as financial planning assistance, wealth management solutions, or educational resources that can contribute to your financial success.

Assess Fees and Charges:

Compare the fee structures of potential banks, including maintenance fees, ATM fees, overdraft fees, and transaction charges. Carefully review the fee schedules to ensure they align with your banking habits and minimize unnecessary costs. Some banks may offer fee waivers or reduced fees for certain account types, so be sure to review the terms and conditions.

Compare Interest Rates:

Interest rates play a significant role in optimizing your savings and reducing borrowing costs. Look for banks that offer competitive interest rates on savings accounts, certificates of deposit (CDs), personal loans, and mortgages. Higher interest rates can help grow your savings, while lower rates can save you money on loans. Consider associated terms and conditions, such as minimum balances or introductory rates.

Best Bank Rates in Iowa:
While specific rates may vary over time, the following banks in Iowa have consistently offered competitive rates:
a) Hills Bank:

With a strong presence in Iowa, Hills Bank offers competitive interest rates on savings accounts, CDs, and mortgage loans.

b) Bankers Trust:

A trusted financial institution in Iowa, Bankers Trust provides competitive rates on savings accounts, CDs, and personal loans.

c) GreenState Credit Union:

Known for its community focus, GreenState Credit Union offers competitive interest rates on savings accounts, CDs, and mortgage loans.

c) GreenState Credit Union:

Known for its community focus, GreenState Credit Union offers competitive interest rates on savings accounts, CDs, and mortgage loans.

d) First American Bank:

With a wide range of banking products, First American Bank offers competitive rates on savings accounts, CDs, and personal loans.


Choosing the best bank in Iowa involves careful consideration of your financial goals, the bank's reputation and stability, the range of services offered, fee structures, and competitive interest rates. By conducting thorough research and assessing your needs, you can find a bank that provides convenience, security, and favorable rates. Regularly reviewing your banking requirements will ensure that your financial goals continue to be met effectively.

Iowa Savings Bank

General Information | Financial Summary | Locations & Branches

Iowa Savings Bank
510 W Us Highway 30
Carroll, IA 51401

510 W Us Highway 30, Carroll, IA 51401

Official website:

Established in 1902-02-01, Iowa Savings Bank is a commercial bank, state charter and Fed nonmember, supervised by the FDIC, serving customers in Carroll Iowa (IA) and many other cities.

The bank is still in service at 5 domestic branches/offices. You can explore all the domestic locations/branches, browse locations by state/city or search locations by zip code

Iowa Savings Bank Online Banking

Location: Carroll, Iowa IA (County Carroll)

FDIC Certificate #: 14690

FDIC Geographic Region: Kansas City - Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Chartering Agency: STATE - Chartering authority for federally chartered savings associations State (includes U.S. Territories)

OCC Charter Number: N/A

OTS Docket Number (assigned by federal housing finance board - FHFB): 12441

Core Based Statistical Area (CBSA): Carroll, IA (CBSA#16140)

Consolidated Metropolitan Statistical Area (CMSA): N/A

Combined Statistical Area (CSA): N/A

Metropolitan Statistical Area (MSA): N/A

Office of the Comptroller: West - Alaska, American Samoa, Arizona, California, Colorado, Federated States Of Micronesia, Guam, Hawaii, Idaho, Iowa, Kansas, Missouri, Montana, Nebraska, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming

Office of Thrift Supervision (OTS) Region: Western

Iowa Savings Online Banking

Iowa Savings Bank is

  • being operated in government conservatorship
  • an insured commercial bank
  • a member of Deposit Insurance Fund
  • an FDIC Insured member
  • primarily an agricultural lending institution

Insurance Fund Membership: Deposit Insurance Fund (DIF)

Bank Holding Company: COMMUNITY GRAIN CO

Bank Holding Company Type:

Number of Domestic Offices: 5

Number of Foreign Offices: 0

Regulator: Federal Deposit Insurance Corporation (FDIC)

Trust Powers: Trust Power Granted

Data by FIDC (The Federal Deposit Insurance Corporation), last update 2023-11-24

Daily Best Banks' CD Rates

1 Yr
CIBC Bank USA: 5.36% APY, $1,000 minimum deposit
1 Yr
Limelight Bank: 5.35% APY, $1,000 minimum deposit
1 Yr
TAB Bank: 5.27% APY, $1,000 minimum deposit
1 Yr
First Internet Bank of Indiana: 5.26% APY, $1,000 minimum deposit
1 Yr
Bask Bank: 5.20% APY, $1,000 minimum deposit
1 Yr
LendingClub Bank: 5.15% APY, $2,500 minimum deposit
1 Yr
Popular Direct: 5.15% APY, $10,000 minimum deposit
1 Yr
Barclays Bank: 5.00% APY, $0 minimum deposit
1 Yr
Capital One: 5.00% APY, $0 minimum deposit

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.