Bank · FDIC insured
FNC Bank Savings Rates
FNC Bank’s best savings rate is 0.21% APY on $10,000, with its Savvy Savings. Rates checked October 16, 2026.
How FNC Bank’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where FNC Bank has the most branches. $10,000, best rate first.
This bank’s best
FNC Bank
0.21%APY
- Minimum
- —
- Earns on $10,000 a year
- $21
Savvy Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
FNC Bank savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.21%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.21%
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 FNC 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.
Performance Money Market
0.05%APY
No monthly service charge if $25,000 minimum balance is maintained each day during the month; $10 monthly service charge if balance drops below minimum. Includes six free withdrawals each month and check writing capability.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. | 0.05% | $5 | Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. |
| $25,000 – $100,000Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. | 0.35% | — | Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. |
| $100,000 – $250,000Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. | 0.75% | — | Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. |
| $250,000 – $500,000Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. | 1.50% | — | Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. |
| $500,000 and upMonthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. | 2.25% | — | Monthly service charge of $10 waived if $25,000 minimum balance is maintained each day during the month. |
Sources (2)
All captured Oct 5, 2026
Money Market Savings
0.09%APY
No monthly service charge if $1,000 minimum balance is maintained each day during the month; $7 monthly service charge if balance drops below minimum. Includes six free withdrawals each month and check writing capability.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. | 0.05% | — | Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. |
| $10,000 – $25,000Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. | 0.09% | $9 | Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. |
| $25,000 – $50,000Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. | 0.21% | — | Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. |
| $50,000 and upMonthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. | 0.30% | — | Monthly service charge of $7 waived if $1,000 minimum balance is maintained each day during the month. |
Sources (2)
All captured Oct 5, 2026
Savvy Savings
0.21%APY
No monthly service charge if $2,500 monthly minimum balance is maintained each day during the month; otherwise $5 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$5 monthly service charge waived if $2,500 minimum balance is maintained each day. | 0.09% | — | $5 monthly service charge waived if $2,500 minimum balance is maintained each day. |
| $10,000 and up$5 monthly service charge waived if $2,500 minimum balance is maintained each day. | 0.21% | $21 | $5 monthly service charge waived if $2,500 minimum balance is maintained each day. |
Sources (3)
- fnc.bank/personal-checking-rates
- fnc.bank/personal/bank/savings-account-comparison
- fnc.bank/personal/bank/savings-accounts
All captured Oct 5, 2026
Simple Savings
0.05%APY
No monthly service charge if $50 monthly minimum balance is maintained each day during the month; otherwise $1 monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. $1 monthly service charge waived if $50 minimum balance is maintained each day.Any balance | 0.05% | $5 | Applies to all balances. $1 monthly service charge waived if $50 minimum balance is maintained each day. |
Sources (3)
- fnc.bank/personal-checking-rates
- fnc.bank/personal/bank/savings-account-comparison
- fnc.bank/personal/bank/savings-accounts
All captured Oct 5, 2026
Special-purpose accounts
Minor Savings
0.05%APY
Available to customers ages 0-17. Little Nesters Club incentives offered to ages 0-12. Converted to Simple Savings account when the accountholder turns age 18. No minimum balance and no monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000For customers ages 0-17. | 3.00% | — | For customers ages 0-17. |
| Over $1,000For customers ages 0-17. | 0.05% | $5 | For customers ages 0-17. |
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.