Bank · FDIC insured
Harvest Bank Savings Rates
Harvest Bank’s best savings rate is 1.05% APY on $10,000, with its Prime Time Money Market. Rates checked October 16, 2026.
How Harvest Bank’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Harvest Bank has the most branches. $10,000, best rate first.
This bank’s best
Harvest Bank
2.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $250
Kasasa Saver
Top rate
VisionBank
3.76%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Harvest Bank savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0001.05%
- $100,000 balance$100,0002.05%
- QualifiedQualified2.50%
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 Harvest 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.
Prime Time Money Market
1.05%APY
Variable rate account; rate may change after opening. Fees may reduce earnings. Tiered rates based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $50,000 | 1.05% | $105 |
| $50,000 – $100,000 | 1.65% | — |
| $100,000 – $250,000 | 2.05% | — |
| $250,000 – $1,000,000 | 2.60% | — |
Sources (2)
- harvestbank.com/personal/perso…oney-market-account.html
- harvestbank.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Kasasa Saver
Up to 2.50%APY
Linked Kasasa Cash or Kasasa Cash Back checking account required. Electronic statements and online banking enrollment required. Limit 1 account per SSN/ITIN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires meeting Kasasa Cash or Kasasa Cash Back qualification requirements during monthly qualification cycle (at least 12 debit card purchases post and settle, agree to e-statements, log into online banking). | 2.50% | $250 | Requires meeting Kasasa Cash or Kasasa Cash Back qualification requirements during monthly qualification cycle (at least 12 debit card purchases post and settle, agree to e-statements, log into online banking). |
| Any balanceBase rate when qualification requirements are not met. | 0.01% | $1 | Base rate when qualification requirements are not met. |
| $100,000 and upApplies to portion of balance over $100,000 when meeting qualification requirements during monthly qualification cycle. | 1.49% | — | Applies to portion of balance over $100,000 when meeting qualification requirements during monthly qualification cycle. |
Special-purpose accounts
Individual Retirement Accounts (Variable Rate)
3.25%APY · 1 term
Traditional and Roth IRA options available. No monthly or annual maintenance fees; $35 fee to close account. Penalty may be imposed for early withdrawal.
| Term | APY · $250 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 months36 Months Variable Rate. $250 minimum deposit to open | 2.75% | 3.25% | 3.25%2.75% $250–$10k | $1,007 |
Health Savings Account (Variable Rate)
1.40%APY
Must be covered under a high-deductible health plan (HDHP) and not enrolled in Medicare. Avoid the $2 monthly maintenance fee with a $1,000 minimum daily balance. $10 setup fee waived with $2,500 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. | 1.00% | — | Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. |
| $2,000 – $5,000Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. | 1.20% | — | Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. |
| $5,000 – $20,000Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. | 1.40% | $140 | Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. |
| $20,000 and upMonthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. | 1.80% | — | Monthly maintenance fee waived by maintaining a $1,000 minimum daily balance. Account setup fee of $10 waived with $2,500 minimum opening deposit. |
Investors Savings Account
0.90%APY
Avoid the $4 monthly maintenance fee by maintaining a $50 average daily balance ($1 monthly fee by maintaining a $25 average daily balance for minors). 3 free withdrawals per month (5 for minors), then $1 fee per excess withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). | 0.45% | — | $100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). |
| $5,000 – $50,000$100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). | 0.90% | $90 | $100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). |
| $50,000 and up$100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). | 1.25% | — | $100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors). |
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.