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

Introduction:

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.

What is local bank?
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.

Conclusion:

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.

Hills Bank and Trust Company Locations


All Locations | Locations by State/City | Zip Code Search

Show all 20 domestic offices, branches & locations

IDBranch NameBranch Address
1
BLAIRS FERRY ROAD BRANCH
3905 Blairs Ferry Rd Ne, Cedar Rapids IA 52402
2
CORALVILLE BRANCH
1009 2nd St, Coralville IA 52241
3
DOWNTOWN BRANCH CR
240 3rd Ave Se, Cedar Rapids IA 52401
4
EASTSIDE BRANCH
2621 Muscatine Ave, Iowa City IA 52240
5
GILBERT STREET BRANCH
1401 S Gilbert St, Iowa City IA 52240
6
Hills Bank and Trust Company
131 Main St, Hills IA 52235
7
IOWA MEMORIAL UNION BRANCH
125 North Madison Street, Iowa City IA 52245
8
KALONA BRANCH
120 5th St, Kalona IA 52247
9
LISBON BRANCH
103 W Main St, Lisbon IA 52253
10
MARION BRANCH
800 11th St, Marion IA 52302
11
MARION EASTSIDE OFFICE BRANCH
3204 7th Ave, Marion IA 52302
12
MOUNT VERNON BRANCH
720 1st Ave Se, Mount Vernon IA 52314
13
NORTH LIBERTY BRANCH
590 W Forevergreen Rd, North Liberty IA 52317
14
NORTH LIBERTY BRANCH
Highway 965 And Zeller Street, North Liberty IA 52317
15
OAKNOLL RETIREMENT CENTER
701 Oaknoll Dr, Iowa City IA 52246
16
OLD CAPITOL MALL
201 S Clinton St, Iowa City IA 52240
17
SOUTHWEST CR BRANCH
3610 Williams Blvd Sw, Cedar Rapids IA 52404
18
UNIVERSITY OF IOWA HOSPITALS AND CLINICS (UIHC) BRANCH
200 Hawkins Dr, Iowa City IA 52242
19
WASHINGTON BRANCH
2481 Highway 92, Washington IA 52353
20
WELLMAN BRANCH
229 8th Ave, Wellman IA 52356


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Hills Bank and Trust Company Branches
Hills Bank and Trust Company Offices

 

Data by FIDC (The Federal Deposit Insurance Corporation), report date: 2023-06-30

Daily Best Banks' CD Rates

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