Bank · FDIC insured
Hiawatha National Bank Savings Rates
Top CarrotHiawatha National Bank’s best savings rate is 1.56% APY on $10,000, with its HNB Money Market. Rates checked October 16, 2026.
How Hiawatha National Bank’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Hiawatha National Bank has the most branches. $10,000, best rate first.
This bank’s best
Hiawatha National Bank
1.56%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $156
HNB Money Market
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
Hiawatha National Bank savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0001.56%
- $100,000 balance$100,0001.97%
- QualifiedQualified1.56%
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 Hiawatha National 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.
HNB Money Market
1.56%APY
Interest compounded monthly using the average daily balance method. Minimum opening deposit $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to average daily balances of $0.00-$24,999.99; compounded monthly. | 1.56% | $156 | Applies to average daily balances of $0.00-$24,999.99; compounded monthly. |
| $25,000 – $50,000Applies to average daily balances of $25,000.00-$49,999.99; compounded monthly. | 1.92% | — | Applies to average daily balances of $25,000.00-$49,999.99; compounded monthly. |
| $50,000 – $150,000Applies to average daily balances of $50,000.00-$149,999.99; compounded monthly. | 1.97% | — | Applies to average daily balances of $50,000.00-$149,999.99; compounded monthly. |
| $150,000 – $250,000Applies to average daily balances of $150,000.00-$249,999.99; compounded monthly. | 2.07% | — | Applies to average daily balances of $150,000.00-$249,999.99; compounded monthly. |
| $250,000 – $1,000,000Applies to average daily balances of $250,000.00-$999,999.99; compounded monthly. | 2.27% | — | Applies to average daily balances of $250,000.00-$999,999.99; compounded monthly. |
| $1,000,000 and upApplies to average daily balances of $1,000,000.00+; compounded monthly. | 2.78% | — | Applies to average daily balances of $1,000,000.00+; compounded monthly. |
Sources (1)
- hnbank.com/resources/rates · captured Oct 5, 2026
Premium Savings
0.40%APY
To qualify for Premium accounts, you must have two other existing bank relationships.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier for average daily balance of $0.00-$2,499.99. Statement Savings rate paid if below minimum balance. Requires two other existing bank relationships. | 0.30% | — | Tier for average daily balance of $0.00-$2,499.99. Statement Savings rate paid if below minimum balance. Requires two other existing bank relationships. |
| $2,500 and upTier for average daily balance of $2,500.00+. Requires two other existing bank relationships. | 0.40% | $40 | Tier for average daily balance of $2,500.00+. Requires two other existing bank relationships. |
Statement Savings
0.30%APY
No minimum balance for customers under age 19. $0.50 monthly maintenance charge if balance falls below minimum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest credited quarterly. Monthly fee of $0.50 applies if balance falls below $50 minimum; waived if minimum balance is maintained or for customers under age 19.$50 and up | 0.30% | $30 | Interest credited quarterly. Monthly fee of $0.50 applies if balance falls below $50 minimum; waived if minimum balance is maintained or for customers under age 19. |
Special-purpose accounts
IRA Flex Savings
1.76%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounding quarterly.Any balance | 1.76% | $176 | Interest compounding quarterly. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.30%APY
No withdrawals permitted before October 31st. A check is issued for the entire balance on November 1st. Maximum opening deposit allowed is $250.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest compounded annually. Maximum opening deposit is $250.00. No withdrawals permitted before October 31st.$50 and up | 0.30% | $30 | Interest compounded annually. Maximum opening deposit is $250.00. No withdrawals permitted before October 31st. |
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.