Bank · FDIC insured
Perennial Bank Savings Rates
Perennial Bank’s best savings rate is 0.90% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Perennial Bank’s savings rates compare
Compared with banks and credit unions near St. Cloud, MN, where Perennial Bank has the most branches. $10,000, best rate first.
This bank’s best
Perennial Bank
0.90%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $90
Money Market Savings Account
Top rate
BankVista
3.51%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $351
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Perennial Bank savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.90%
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 Perennial 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 Savings Account
0.90%APY
Interest compounded monthly. $2,500 minimum daily balance to avoid service charges. $10 per month service charge if balance falls below minimum.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Balance tier: Less than $25,000. $2,500 minimum daily balance required to avoid $10 monthly fee. | 0.90% | $90 | Balance tier: Less than $25,000. $2,500 minimum daily balance required to avoid $10 monthly fee. |
| $25,000 – $50,000Balance tier: $25,000–$49,999.99. $2,500 minimum daily balance required to avoid $10 monthly fee. | 1.26% | — | Balance tier: $25,000–$49,999.99. $2,500 minimum daily balance required to avoid $10 monthly fee. |
| $50,000 and upBalance tier: $50,000 and Above. $2,500 minimum daily balance required to avoid $10 monthly fee. | 2.02% | — | Balance tier: $50,000 and Above. $2,500 minimum daily balance required to avoid $10 monthly fee. |
Sources (3)
- perennialbank.com/checking-savings-accounts
- perennialbank.com/current-rates
- perennialbank.com/deposit-products
All captured Oct 5, 2026
Passbook Savings Account
0.40%APY
Interest compounded quarterly. No minimum balance and no monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.51%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.51% | $151 |
Sources (3)
- perennialbank.com/investing
- perennialbank.com/current-rates
- perennialbank.com/individual-retirement-account
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.