Bank · FDIC insured
Produce State Bank Savings Rates
Produce State Bank’s best savings rate is 0.50% APY on $10,000, with its Passbook Savings Account. Rates checked October 16, 2026.
How Produce State Bank’s savings rates compare
Compared with banks and credit unions near Albert Lea, MN, where Produce State Bank has the most branches. $10,000, best rate first.
This bank’s best
Produce State Bank
0.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $50
Passbook Savings Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
United Employees Credit Union
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Produce State Bank savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Produce State 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.
Passbook Savings Account
0.50%APY
No interest for average available balance under $50. Interest rates are variable and subject to change. Fees may reduce earnings. Fees waived on one personal account with direct deposit of retirement check if you notify us of direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. | 0.20% | — | $2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. |
| $2,500 – $5,000$2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. | 0.35% | — | $2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. |
| $5,000 and up$2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. | 0.50% | $50 | $2 monthly maintenance charge if average collected daily balance falls below $25; $1 monthly maintenance charge if average collected daily balance is $25 to $49.99. 5 free debits each month, $0.25 per debit after 5. |
Sources (2)
- secure.producestatebank.com/Pa…oklet%20(Electronic).pdf
- secure.producestatebank.com/Pages/savings.html
All captured Oct 16, 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.