Bank · FDIC insured
Bonanza Valley State Bank Savings Rates
Bonanza Valley State Bank’s best savings rate is 1.25% APY on $10,000, with its Tiered Savings. Rates checked October 16, 2026.
How Bonanza Valley State Bank’s savings rates compare
Compared with banks and credit unions near St. Cloud, MN, where Bonanza Valley State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bonanza Valley State Bank
1.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $125
Tiered Savings
Top rate
BankVista
3.51%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $351
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Bonanza Valley State Bank savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bonanza Valley State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Tiered Savings
1.25%APY
Must retain an average daily balance of $100.00 to receive the stated APY. $3.00 service charge per quarter if balance falls below minimum balance. Variable interest rate; interest paid quarterly. Required minimum balance waived for children through 12th grade.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Rates may change after account opening. Fees may reduce earnings. | 0.60% | — | Rates may change after account opening. Fees may reduce earnings. |
| $10,000 – $50,000Rates may change after account opening. Fees may reduce earnings. | 1.25% | $125 | Rates may change after account opening. Fees may reduce earnings. |
| $50,000 – $100,000Rates may change after account opening. Fees may reduce earnings. | 2.00% | — | Rates may change after account opening. Fees may reduce earnings. |
| $100,000 – $250,000Rates may change after account opening. Fees may reduce earnings. | 2.25% | — | Rates may change after account opening. Fees may reduce earnings. |
| $250,000 and upRates may change after account opening. Fees may reduce earnings. | 3.00% | — | Rates may change after account opening. Fees may reduce earnings. |
Sources (3)
All captured Oct 16, 2026
Money Market
0.80%APY
These rates may change after account opening. Fees may reduce earnings. $1,000.00 Minimum Balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 0.80% | $80 |
| $25,000 – $50,000 | 0.90% | — |
| $50,000 – $100,000 | 0.95% | — |
| $100,000 – $250,000 | 1.00% | — |
| $250,000 and up | 2.10% | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Savings
3.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rates may change after account opening. Fees may reduce earnings.Up to $2,500 | 3.00% | — | Rates may change after account opening. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Individual Retirement Account
3.00%APY
Traditional and Roth available. Variable interest rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening. Fees may reduce earnings.Any balance | 3.00% | $300 | Rates may change after account opening. Fees may reduce earnings. |
Health Savings Account
2.00%APY
A tax advantage to offset health-care expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening. Fees may reduce earnings.Any balance | 2.00% | $200 | Rates may change after account opening. Fees may reduce earnings. |
Sources (3)
- bvsb.bank/Pages/rates.html
- bvsb.bank/Pages/savings-accounts.html
- bvsb.bank/Pages/CurrentDepositRates.html
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.