Bank · FDIC insured
Minnwest Bank Savings Rates
Minnwest Bank’s best savings rate is 0.15% APY on $10,000, with its Money Max Savings. Rates checked October 16, 2026.
How Minnwest Bank’s savings rates compare
Compared with banks and credit unions near Rochester, MN, where Minnwest Bank has the most branches. $10,000, best rate first.
This bank’s best
Minnwest Bank
0.15%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $15
Money Max Savings
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
Minnwest Bank savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.15%
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 Minnwest 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.
Investment Savings
0.10%APY
Variable rate product that could adjust monthly. $10,000.00 minimum daily balance to waive $10/month maintenance fee. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier for daily balances up to $10,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 0.10% | $10 | Tier for daily balances up to $10,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
| $10,000 – $50,000Tier for daily balances $10,000.01 – $50,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 0.50% | — | Tier for daily balances $10,000.01 – $50,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
| $50,000 – $100,000Tier for daily balances $50,000.01 – $100,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 1.51% | — | Tier for daily balances $50,000.01 – $100,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
| $100,000 – $250,000Tier for daily balances $100,000.01 – $250,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 1.87% | — | Tier for daily balances $100,000.01 – $250,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
| $250,000 – $500,000Tier for daily balances $250,000.01 – $500,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 2.07% | — | Tier for daily balances $250,000.01 – $500,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
| Over $500,000Tier for daily balances $500,000.01 and up. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. | 2.78% | — | Tier for daily balances $500,000.01 and up. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening. |
Sources (3)
- minnwestbank.com/personal/savings
- minnwestbank.com/personal/savings/investment_savings
- minnwestbank.com/resources/rates
All captured Oct 5, 2026
Money Max Savings
0.15%APY
Higher balances earn higher rates. No monthly service charge. Direct check writing access. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier for daily balances up to $25,000. Rates current as of 10/1/26 and may change after account opening. | 0.15% | $15 | Tier for daily balances up to $25,000. Rates current as of 10/1/26 and may change after account opening. |
| $25,000 – $100,000Tier for daily balances $25,000.01 – $100,000. Rates current as of 10/1/26 and may change after account opening. | 0.30% | — | Tier for daily balances $25,000.01 – $100,000. Rates current as of 10/1/26 and may change after account opening. |
| $100,000 – $225,000Tier for daily balances $100,000.01 – $225,000. Rates current as of 10/1/26 and may change after account opening. | 0.50% | — | Tier for daily balances $100,000.01 – $225,000. Rates current as of 10/1/26 and may change after account opening. |
| $225,000 – $500,000Tier for daily balances $225,000.01 – $500,000. Rates current as of 10/1/26 and may change after account opening. | 1.00% | — | Tier for daily balances $225,000.01 – $500,000. Rates current as of 10/1/26 and may change after account opening. |
| Over $500,000Tier for daily balances $500,000.01 and up. Rates current as of 10/1/26 and may change after account opening. | 1.51% | — | Tier for daily balances $500,000.01 and up. Rates current as of 10/1/26 and may change after account opening. |
Sources (3)
- minnwestbank.com/personal/savings
- minnwestbank.com/personal/savings/money-max-savings
- minnwestbank.com/resources/rates
All captured Oct 5, 2026
Thrift Savings
0.05%APY
No monthly service charge for customers under 22 years old. Customers 22 or older can avoid the $5 monthly service charge by maintaining a $50 average daily balance. Interest compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service charge for customers under 22 years old; waived for customers 22 or older with a $50 average daily balance. Rates current as of 10/1/26 and may change after account opening.Any balance | 0.05% | $5 | No monthly service charge for customers under 22 years old; waived for customers 22 or older with a $50 average daily balance. Rates current as of 10/1/26 and may change after account opening. |
Sources (3)
- minnwestbank.com/personal/savings
- minnwestbank.com/personal/savings/thrift-savings
- minnwestbank.com/resources/rates
All captured Oct 5, 2026
Special-purpose accounts
Youth Savings
0.05%APY
Youth Savings account available to age 22. Tiered interest rate account. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier for daily balances up to $5,000. Rates current as of 10/1/26 and may change after account opening. | 2.02% | — | Tier for daily balances up to $5,000. Rates current as of 10/1/26 and may change after account opening. |
| Over $5,000Tier for daily balances $5,000.01 and up. Rates current as of 10/1/26 and may change after account opening. | 0.05% | $5 | Tier for daily balances $5,000.01 and up. Rates current as of 10/1/26 and may change after account opening. |
Sources (3)
- minnwestbank.com/personal-savings-youth-savings
- minnwestbank.com/personal/savings
- minnwestbank.com/resources/rates
All captured Oct 5, 2026
Health Savings Account (HSA)
0.05%APY
Eligibility: 18+ and cannot be claimed as a dependent on someone else's tax return; covered by an HSA-qualified High Deductible Health Plan (HDHP) and not enrolled in Medicare; have no other first-dollar medical coverage. No minimum deposit to open stated on product page; $100 minimum opening deposit stated on rate sheet. $3 monthly service charge if a minimum of $1,000 across personal Minnwest Bank deposit accounts is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier for daily balances up to $1,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. | 0.05% | — | Tier for daily balances up to $1,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. |
| $1,000 – $2,500Tier for daily balances $1,000.01 – $2,500. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. | 0.05% | — | Tier for daily balances $1,000.01 – $2,500. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. |
| $2,500 – $10,000Tier for daily balances $2,500.01 – $10,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. | 0.05% | $5 | Tier for daily balances $2,500.01 – $10,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. |
| $10,000 – $30,000Tier for daily balances $10,000.01 – $30,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. | 0.05% | — | Tier for daily balances $10,000.01 – $30,000. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. |
| Over $30,000Tier for daily balances $30,000.01 and up. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. | 0.20% | — | Tier for daily balances $30,000.01 and up. Monthly fee of $3 applies if minimum of $1,000 is not maintained across personal Minnwest Bank deposit accounts. Rates current as of 10/1/26 and may change after account opening. |
Sources (3)
- minnwestbank.com/personal/savings
- minnwestbank.com/personal/savi…alth-savings-account-hsa
- minnwestbank.com/resources/rates
All captured Oct 5, 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.