Bank · FDIC insured
Foresight Bank Savings Rates
Top CarrotForesight Bank’s best savings rate is 2.58% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Foresight Bank’s savings rates compare
Compared with banks and credit unions near Rochester, MN, where Foresight Bank has the most branches. $10,000, best rate first.
This bank’s best
Foresight Bank
2.58%APY
- Minimum
- $20
- Earns on $10,000 a year
- $258
Money Market
Top rate
Altra Federal Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Luminate Bank
3.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $350
Foresight Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.11%
- $10,000 balance$10,0002.58%
- $100,000 balance$100,0002.78%
- QualifiedQualified2.58%
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 Foresight 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.
Money Market
2.58%APY
Minimum balance to open is $20.00. A $5.00 monthly minimum balance fee applies if the average ledger balance falls below $5,000.00 for the monthly statement cycle; the fee is waived if the average collected balance in Foresight Bank checking, savings, and money market accounts plus the current principal balance in certificate of deposit accounts is at least $50,000.00, or the current principal loan balance is at least $100,000.00. Interest is calculated using the average daily collected balance method and is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $40,000Tier 1: Daily balance less than or equal to $39,999.99 (minimum balance for APY is $1). $5.00 monthly fee if average ledger balance is below $5,000.00, with waiver options available. | 2.58% | $258 | Tier 1: Daily balance less than or equal to $39,999.99 (minimum balance for APY is $1). $5.00 monthly fee if average ledger balance is below $5,000.00, with waiver options available. |
| $40,000 – $100,000Tier 2: Daily balance equal to or greater than $40,000.00, but less than or equal to $99,999.99. | 2.68% | — | Tier 2: Daily balance equal to or greater than $40,000.00, but less than or equal to $99,999.99. |
| $100,000 – $250,000Tier 3: Daily balance equal to or greater than $100,000.00, but less than or equal to $249,999.99. | 2.78% | — | Tier 3: Daily balance equal to or greater than $100,000.00, but less than or equal to $249,999.99. |
| $250,000 – $500,000Tier 4: Daily balance equal to or greater than $250,000.00 or more, but less than or equal to $499,999.99. | 2.89% | — | Tier 4: Daily balance equal to or greater than $250,000.00 or more, but less than or equal to $499,999.99. |
| $500,000 and upTier 5: Daily balance equal to or greater than $500,000.00 or more. | 2.99% | — | Tier 5: Daily balance equal to or greater than $500,000.00 or more. |
Foresight Savings
1.15%APY
Interest compounded and credited quarterly. Minimum balance of $50.00 to avoid $3.00 quarterly service charge (fee waived for under age 18, or if combined deposit balance is at least $1,000.00 or loan balance is at least $20,000.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.10% | — |
| $10,000 – $40,000 | 1.15% | $115 |
| $40,000 and up | 1.21% | — |
Sources (3)
- foresight.bank/deposits/deposit-rates
- foresight.bank/deposits/money-market-savings
- foresight.bank/foresight-savings-account-disclosure
All captured Oct 16, 2026
High-Interest Savings
1.16%APY
Interest compounded and credited monthly. A service charge of $5.00 is imposed each monthly statement cycle if average ledger balance falls below $1,000.00 (fee waived for under age 18, or if combined deposit balance is at least $1,000.00 or loan balance is at least $20,000.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.11% | — |
| $10,000 – $40,000 | 1.16% | $116 |
| $40,000 and up | 1.21% | — |
Sources (3)
- foresight.bank/deposits/deposit-rates
- foresight.bank/deposits/money-market-savings
- foresight.bank/high-interest-savings-account-disclosure
All captured Oct 16, 2026
Special-purpose accounts
Youth Savings
2.88%APY
Interest compounded and credited quarterly. Converted to a Foresight Savings account after the 18th birthday of the primary account owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 2.57% | — |
| $500 – $5,000 | 2.68% | — |
| $5,000 – $10,000 | 2.78% | — |
| $10,000 – $20,000 | 2.88% | $288 |
| $20,000 and up | 1.21% | — |
Sources (3)
- foresight.bank/deposits/deposit-rates
- foresight.bank/deposits/money-market-savings
- foresight.bank/deposits/youth-savings-account-disclosure
All captured Oct 16, 2026
HSA eAccount
1.76%APY
Health Savings Account. Free account with eStatements required. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,500 | 1.71% | — |
| $2,500 – $25,000 | 1.76% | $176 |
| $25,000 and up | 1.87% | — |
Sources (3)
- foresight.bank/deposits/deposit-rates
- foresight.bank/deposits/health-savings-accounts
- foresight.bank/heath-savings-eaccount-disclosure
All captured Oct 16, 2026
Health Savings Account
1.71%APY
Health Savings Account. Free account with choice of eStatement or paper statement. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,500 | 1.66% | — |
| $2,500 – $25,000 | 1.71% | $171 |
| $25,000 and up | 1.81% | — |
Sources (3)
- foresight.bank/deposits/deposit-rates
- foresight.bank/deposits/health-savings-accounts
- foresight.bank/health-savings-account-disclosure
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.