This great savings account is linked to your FREE high-interest REWARDChecking account, so your interest earnings and nationwide ATM fee refunds are automatically transferred into your REWARDSavings account for extra savings power!

All you have to do is meet the monthly qualifications on REWARDChecking, and seamless savings are yours to enjoy and grow!

  • Linked to REWARDChecking account
  • Automatic transfer of REWARDChecking rewards
  • 1.51% APY on balances up to $15,000, 0.25% APY on any portion of the balance greater than $15,000
  • 0.05% APY* if qualifications are not met on REWARDChecking
  • No monthly service charges
  • No monthly balance to earn rewards
  • $100 deposit to open account
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • FDIC insured

View our current rates.

Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please.


Qualifications are so easy you're probably already doing them! To earn your rewards, simply do the following activities and transactions in your REWARDChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and receive eStatements
  • Be enrolled in and log in to online banking at least once

View our qualification period calendar.

There is no need to worry if you don't meet the qualifications on any given cycle. You still get free checking and earn our base rate of 0.05% APY, and you get the opportunity to qualify again the very next monthly qualification cycle!

*Annual percentage yields (APY) for these accounts are in effect as of 01/01/14 and calculated based on the daily balance method. All qualifications must be met during your monthly earnings period. ATM-processed transactions do not count towards qualifying debit card transactions. Transactions may take one or more business days to post and settle to an account from the date your transaction is made. Minimum to open these accounts is $100. No minimum balance or monthly service charge. Interest rates and caps may change without notice after the account is opened. Fees may reduce earnings. If you close your account before interest is credited, all accrued interest will be paid. Personal accounts only. Maximum of two accounts allowed per social security number. ATM fee refunds up to $25 per earnings cycle when requirements are met. Rate tiers for Reward Checking and Reward Savings: 3.01% APY applies to balances up to $15,000 and 0.25% APY applies to the portion of the balance over $15,000 when requirements are met each earnings cycle. 0.05% APY applies to checking balances if qualifications are not met. 1.51% APY applies to savings balances up to $15,000 and 0.25% APY applies to the portion of the balance over $15,000 when requirements are met each earnings cycle. 0.05% APY applies if qualifications are not met. When linked to the Reward Savings, the interest earned within the Reward Checking account does not compound since it is automatically transferred to savings the day after being credited to checking.