Best Banks & Credit Unions in Ames, Iowa
Banks and credit unions serving Ames, Iowa. Compare up to 0.15% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Ames, Iowa. All rankings inherit from the Iowa state directory. Every institution listed is licensed to serve Ames residents and is either headquartered in Iowa or operates branches in the metro.
Top options in Ames
- Luana Savings Bank: 4.04% APY. 12 Month Certificate of Deposit: $2,000 to $99,999.99 tier of the standard Certificate of Deposit Rates table; effective date September 3, 2026. Read Sep 7, 2026 on luanasavingsbank.com. Rates as of 2026-09-03 per the page.
- Centris Federal Credit Union: 3.00% APY. 12-month Regular Certificate: Regular & IRA Certificates minimum opening deposit of $500.00; a penalty may be imposed for early withdrawal; APY accurate as of Sept. 1, 2026. Read Sep 7, 2026 on centrisfcu.org. Rates as of 2026-09-01 per the page.
- West Bank: 2.70% APY. 12 Month Certificate of Deposit: Minimum opening deposit is $1,000.00; $1,000-$24,999 tier; a penalty may be imposed for early withdrawal; rates effective 9/1/2026. Read Sep 7, 2026 on westbankstrong.com. Rates as of 2026-09-01 per the page.
- Northwest Bank: 2.11% APY. 6-Month Certificate of Deposit: The standard renewal rate table lists no 12-month term, so the nearest standard term is recorded; $1,000 minimum balance to open; interest rate and APY effective 6-29-2026. Read Sep 7, 2026 on nw.bank. Rates as of 2026-06-29 per the page.
- Luana Savings Bank: 1.71% APY. Momentum Money Market: $0-$9,999.99 tier; the rate page prints no minimum opening deposit; effective date September 3, 2026. Read Sep 7, 2026 on luanasavingsbank.com. Rates as of 2026-09-03 per the page.
- Bank Iowa: 1.70% APY. 12 Month CD: $0-$9,999.99 tier; minimum balance to open is $500.00; early withdrawal penalties may apply; accurate as of 09/07/2026. Read Sep 7, 2026 on bankiowa.bank. Rates as of 2026-09-07 per the page.
Banks with more than one branch in Ames
Each opens every one of that bank's offices in Ames, with the address of each and what it holds.
- First National Bank, Ames, Iowa in Ames: 3 branches
Other Iowa cities
See the full Iowa banks directory for every institution we've verified in the state, plus the underlying methodology.