Bank · FDIC insured
National Bank of Commerce Savings Rates
National Bank of Commerce’s best savings rate is 4.00% APY, with its Falls Savings Account, with extra requirements. Rates checked October 16, 2026.
How National Bank of Commerce’s savings rates compare
Compared with banks and credit unions near Duluth, MN-WI, where National Bank of Commerce has the most branches. $10,000, best rate first.
This bank’s best
National Bank of Commerce
0.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $50
Falls Savings Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
National Bank of Commerce savings score
94
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0000.50%
- QualifiedQualified4.00%
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 National Bank of Commerce 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.
Falls Savings Account
Up to 4.00%APY
Available to personal customers who open an account at the International Falls, MN office through December 31, 2026. Limit of one promotional account per primary accountholder.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier applies to daily balances up to $10,000. | 4.00% | $400 | Tier applies to daily balances up to $10,000. |
| $10,000 and upTier applies to the portion of daily balance over $10,000. Blended APY ranges from 1.36% to 4.00% depending on the account balance. | 0.50% | $50 | Tier applies to the portion of daily balance over $10,000. Blended APY ranges from 1.36% to 4.00% depending on the account balance. |
Sources (1)
- nbcbanking.com/falls-savings-account · captured Sep 18, 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.