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South Ottumwa Savings Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.sosb-ia.com
641-682-7541
320 Church Street
Ottumwa, IA 52501

South Ottumwa Savings Bank is headquartered in OTTUMWA and is the 57th largest bank in the state of Iowa. It is also the 1,685th largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 74 employees at 6 locations. South Ottumwa Savings Bank's CD rates are 11% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9099
Year Established1903
Employees74
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD7.74%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$547.7MM$546.6MM
LoansQ1 2025vs Q1 2024$318.9MM$315.2MM
DepositsQ1 2025vs Q1 2024$464.7MM$463.2MM
Equity CapitalQ1 2025vs Q1 2024$65.9MM$64.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.4MM$3.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.2MM$1.3MM
Real Estate OwnedQ1 2025vs Q1 2024$354K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South Ottumwa Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$0-7 Month Special CD
2.01%$0-60 Month CD
1.76%$0-48 Month CD
1.51%$0-24 Month CD
1.51%$0-36 Month CD
1.25%$0-18 Month CD
1.00%$0-6 Month CD
1.00%$0-12 Month CD
0.75%$0-3 Month CD
Locations


South Ottumwa Savings Bank Locations
Hedrick Branch101 South MainHedrick, IA 52563
North Court Branch2525 North Court StreetOttumwa, IA 52501
South Ottumwa Savings Bank320 Church StOttumwa, IA 52501
West Liberty State Bank Branch101 East Fourth StreetWest Liberty, IA 52776
102 South Main Branch102 South MainAlbia, IA 52531
Albia Drive-Thru Branch217 South Main StreetAlbia, IA 52531

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