Bank · FDIC insured
Stearns Bank Savings Rates
Top CarrotStearns Bank’s best savings rate is 2.99% APY on $10,000, with its Impact Market Savings. Rates checked October 16, 2026.
How Stearns Bank’s savings rates compare
Compared with banks and credit unions near St. Cloud, MN, where Stearns Bank has the most branches. $10,000, best rate first.
This bank’s best
Stearns Bank
2.99%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $299
Impact Market Savings
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
Stearns Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.99%
- $10,000 balance$10,0002.99%
- $100,000 balance$100,0002.99%
- QualifiedQualified2.99%
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 Stearns 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.
Above the Norm Personal Market Savings
0.85%APY
Open a savings account with as little as $50. Rates are accurate as of 10/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less. | 0.85% | $85 | A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less. |
| $100,000 – $500,000Rate applies if balance is $100,000 to $499,999.99. | 1.97% | — | Rate applies if balance is $100,000 to $499,999.99. |
| $500,000 and upRate applies if balance is $500,000 or more. | 2.99% | — | Rate applies if balance is $500,000 or more. |
Sources (1)
- stearnsbank.com/personal/savings · captured Oct 16, 2026
Impact Market Savings
Up to 2.99%APY
Open with as little as $50. Deposits contribute towards sustainable energy, affordable housing, and nonprofits. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $100,000Rate applies if balance is less than or equal to $99,999.99. · $50 to open | 0.85% | $50 | $85 | Rate applies if balance is less than or equal to $99,999.99. |
| Over $012-month promotional APY of 2.99% and interest rate of 2.95% on new Impact market savings accounts opened between April 22, 2026, and December 31, 2026. A balance of $0.01 is needed to earn the APY. After 12 months, APY and interest rate return to standard tier rates. · Unknown to open | 2.99% | Unknown | $299 | 12-month promotional APY of 2.99% and interest rate of 2.95% on new Impact market savings accounts opened between April 22, 2026, and December 31, 2026. A balance of $0.01 is needed to earn the APY. After 12 months, APY and interest rate return to standard tier rates. |
| $100,000 – $500,000Rate applies if balance is $100,000 - $499,999.99. · $50 to open | 1.97% | $50 | — | Rate applies if balance is $100,000 - $499,999.99. |
| $500,000 and upRate applies if balance is $500,000+. · $50 to open | 2.99% | $50 | — | Rate applies if balance is $500,000+. |
Sources (1)
- stearnsbank.com/impact · captured Oct 16, 2026
Special-purpose accounts
SmartStart Savings
0.85%APY
Digital savings account for kids and teens with no maintenance fees and as little as $50 to open. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less. No maintenance fees. | 0.85% | $85 | A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less. No maintenance fees. |
| $100,000 – $500,000Rate applies if balance is $100,000 to $499,999.99. No maintenance fees. | 1.97% | — | Rate applies if balance is $100,000 to $499,999.99. No maintenance fees. |
| $500,000 and upRate applies if balance is $500,000 or more. No maintenance fees. | 2.99% | — | Rate applies if balance is $500,000 or more. No maintenance fees. |
Sources (1)
- stearnsbank.com/personal/smartstart · 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.