Best Banks in West Des Moines, IA

Compare 6 banks companies serving West Des Moines, Iowa. Average rating: 4.2/5.

6 Companies 6 Rated Payday: Legal

Iowa Lending Regulations

Iowa permits payday lending with a $500 cap, fee limits, and no rollovers. The Iowa Consumer Credit Code provides comprehensive protections for all consumer credit transactions. Consumers can file complaints with the Iowa Division of Banking or the Attorney General.

Usury cap: 21% for consumer loans over $30,000; tiered rates for smaller loans; payday loans regulated Agency: Iowa Attorney General Consumer Protection Division

Top-Rated Banks

Bank Iowa logo

Bank Iowa

Bank Iowa is a community bank offering personal and business banking services across 24 locations in Iowa, with checking accounts, mortgages, agricultural lending, and deposit products.

4.2/5
Contact BBB:

Best for: Iowa residents seeking community-focused banking with local branch access, Agricultural businesses and farmers needing specialized ag lending services

Earlham Savings Bank logo

Earlham Savings Bank

Community bank with 9 branches across Central Iowa offering checking, savings, loans, and agricultural banking since 1931, FDIC-insured.

4.2/5
Contact BBB:

Best for: Central Iowa residents seeking personalized community banking with local branch access, Agricultural business owners needing farm-specific lending and banking services

Freedom Financial Bank logo

Freedom Financial Bank

Community bank offering personal and business banking with FDIC insurance, online access, and local branch service across multiple locations.

4.2/5
Contact BBB:

Best for: Customers in Iowa seeking local community banking with FDIC protection, Small business owners needing commercial lending and cash management services

Midwest Heritage Bank, FSB logo

Midwest Heritage Bank, FSB

Full-service bank offering personal and business checking, savings, loans, insurance, and investment services with roots in Iowa dating back over 90 years.

4.2/5
Contact BBB:

Best for: Customers seeking a comprehensive financial institution with banking, lending, insurance, and investment services, Business owners needing specialized financing (agricultural, practice, commercial real estate)

State Savings Bank logo

State Savings Bank

State Savings Bank is a community bank with locations in Iowa offering personal banking, business banking, and mortgage services with modern digital conveniences.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking personalized business banking services, Iowa residents in West Des Moines or Baxter areas seeking community banking relationships

West Bank logo

West Bank

West Bank is a regional community bank serving Iowa and Minnesota with business and personal banking services, online platforms, and merchant payment solutions.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners in Iowa and Minnesota seeking merchant services and business banking, Regional consumers in Des Moines, Iowa City/Coralville, and Minnesota communities seeking community bank relationships

All Banks in West Des Moines (6)

Bank Iowa logo

Bank Iowa

Bank Iowa is a community bank offering personal and business banking services across 24 locations in Iowa, with checking accounts, mortgages, agricultural lending, and deposit products.

4.2/5
Contact BBB:

Best for: Iowa residents seeking community-focused banking with local branch access, Agricultural businesses and farmers needing specialized ag lending services

Earlham Savings Bank logo

Earlham Savings Bank

Community bank with 9 branches across Central Iowa offering checking, savings, loans, and agricultural banking since 1931, FDIC-insured.

4.2/5
Contact BBB:

Best for: Central Iowa residents seeking personalized community banking with local branch access, Agricultural business owners needing farm-specific lending and banking services

Freedom Financial Bank logo

Freedom Financial Bank

Community bank offering personal and business banking with FDIC insurance, online access, and local branch service across multiple locations.

4.2/5
Contact BBB:

Best for: Customers in Iowa seeking local community banking with FDIC protection, Small business owners needing commercial lending and cash management services

Midwest Heritage Bank, FSB logo

Midwest Heritage Bank, FSB

Full-service bank offering personal and business checking, savings, loans, insurance, and investment services with roots in Iowa dating back over 90 years.

4.2/5
Contact BBB:

Best for: Customers seeking a comprehensive financial institution with banking, lending, insurance, and investment services, Business owners needing specialized financing (agricultural, practice, commercial real estate)

State Savings Bank logo

State Savings Bank

State Savings Bank is a community bank with locations in Iowa offering personal banking, business banking, and mortgage services with modern digital conveniences.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking personalized business banking services, Iowa residents in West Des Moines or Baxter areas seeking community banking relationships

West Bank logo

West Bank

West Bank is a regional community bank serving Iowa and Minnesota with business and personal banking services, online platforms, and merchant payment solutions.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners in Iowa and Minnesota seeking merchant services and business banking, Regional consumers in Des Moines, Iowa City/Coralville, and Minnesota communities seeking community bank relationships