Bank · FDIC insured
Security BankUSA Savings Rates
Security BankUSA’s best savings rate is 1.00% APY on $10,000, with its USA Money Market Account. Rates checked October 16, 2026.
How Security BankUSA’s savings rates compare
Compared with banks and credit unions near Bemidji, MN, where Security BankUSA has the most branches. $10,000, best rate first.
This bank’s best
Security BankUSA
1.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $100
USA Money Market Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
TruStar Federal Credit Union
1.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $170
Security BankUSA savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.31%
- QualifiedQualified1.00%
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 Security BankUSA 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.
USA Money Market Account
1.00%APY
Tiered Money Market Deposit Account. Open with a minimum opening balance of $10,000 and maintain a minimum balance of $1,000 to avoid service charges. Monthly service charge is $10 if balance below $1,000. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Monthly service charge of $10 if balance falls below $1,000. | 0.90% | — | Monthly service charge of $10 if balance falls below $1,000. |
| $10,000 – $25,000Monthly service charge of $10 if balance falls below $1,000. | 1.00% | $100 | Monthly service charge of $10 if balance falls below $1,000. |
| $25,000 – $100,000Monthly service charge of $10 if balance falls below $1,000. | 1.16% | — | Monthly service charge of $10 if balance falls below $1,000. |
| $100,000 – $200,000Monthly service charge of $10 if balance falls below $1,000. | 1.31% | — | Monthly service charge of $10 if balance falls below $1,000. |
| $200,000 – $1,000,000,000Monthly service charge of $10 if balance falls below $1,000. | 1.66% | — | Monthly service charge of $10 if balance falls below $1,000. |
Sources (2)
All captured Oct 5, 2026
Money Market Savings Account
0.90%APY
Traditional Money Market Deposit Account. Open with a $1,000 minimum opening balance and maintain $1,000 minimum balance to avoid service charges. Monthly service charge is $6 if balance below $1,000. Interest compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly service charge of $6 if balance falls below $1,000. Interest compounded and credited monthly.Any balance | 0.90% | $90 | Monthly service charge of $6 if balance falls below $1,000. Interest compounded and credited monthly. |
Sources (2)
All captured Oct 5, 2026
Passbook Savings
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Sources (1)
- securitybankusa.bank/personal/rates-yields · captured Oct 5, 2026
Special-purpose accounts
Variable Rate IRAs
2.93%APY
Includes IRA Variable, Roth IRA, and Education Savings. Penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Penalty may be imposed for early withdrawal.Any balance | 2.93% | $293 | Variable rate. Penalty may be imposed for early withdrawal. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
Up to 1.56%APY
For individuals and families covered by high-deductible health insurance plans. Pays interest at a variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLess than $2,500. For individuals and families covered by high-deductible health insurance plans. | 1.41% | $141 | Less than $2,500. For individuals and families covered by high-deductible health insurance plans. |
| $2,500 – $5,000For individuals and families covered by high-deductible health insurance plans. | 1.46% | — | For individuals and families covered by high-deductible health insurance plans. |
| $5,000 – $25,000For individuals and families covered by high-deductible health insurance plans. | 1.56% | $156 | For individuals and families covered by high-deductible health insurance plans. |
| $25,000 – $1,000,000,000For individuals and families covered by high-deductible health insurance plans. | 1.61% | — | For individuals and families covered by high-deductible health insurance plans. |
Sources (2)
All captured Oct 5, 2026
Christmas Club Savings
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Sources (1)
- securitybankusa.bank/personal/rates-yields · 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.