Bank · FDIC insured
Think Bank Savings Rates
Top CarrotThink Bank’s best savings rate is 1.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Think Bank’s savings rates compare
Compared with banks and credit unions near Rochester, MN, where Think Bank has the most branches. $10,000, best rate first.
This bank’s best
Think Bank
1.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $125
Money Market
Top rate
Altra Federal Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Luminate Bank
3.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $350
Think Bank savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.25%
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 Think 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
1.25%APY
Consumer accounts may be opened by existing customers, or new customers who live or work in Minnesota. No minimum balance requirement. No monthly service fees. Interest is earned on average monthly balances of $5,000 and higher. If combined deposit relationship balance in savings or money market accounts exceeds $15,000,000.00, balances exceeding $15,000,000.00 will be transferred to an interest bearing checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $20,000Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. | 1.25% | $125 | Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. |
| $20,000 – $50,000Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. | 1.50% | — | Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. |
| $50,000 – $100,000Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. | 1.75% | — | Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. |
| $100,000 – $5,000,000Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. | 2.00% | — | Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees. |
Sources (3)
- thinkbank.com/checking-savings-and-money-market-rates
- thinkbank.com/for-you/bank/savings-and-money-market
- thinkbank.com/open-an-account
All captured Oct 5, 2026
Savings
0.40%APY
No minimum balance requirement. No monthly service fees. Interest is earned on average monthly balance. If the combined balance of a deposit relationship in savings or money market accounts exceeds $5,000,000.00, balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account. A non-interest savings account option is also available. Available to individuals who live or work in Minnesota, or have an open and active account with Think Bank.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Variable interest rate. Interest is earned on average monthly balance. | 0.30% | — | Variable interest rate. Interest is earned on average monthly balance. |
| $2,500 – $10,000Variable interest rate. Interest is earned on average monthly balance. | 0.30% | — | Variable interest rate. Interest is earned on average monthly balance. |
| $10,000 – $20,000Variable interest rate. Interest is earned on average monthly balance. | 0.40% | $40 | Variable interest rate. Interest is earned on average monthly balance. |
| $20,000 – $5,000,000Variable interest rate. Interest is earned on average monthly balance. Balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account. | 0.40% | — | Variable interest rate. Interest is earned on average monthly balance. Balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account. |
Sources (3)
- thinkbank.com/checking-savings-and-money-market-rates
- thinkbank.com/for-you/bank/savings-and-money-market
- thinkbank.com/open-an-account
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
1.25%APY
No minimum balance requirement. No monthly service fees. Interest is earned on average monthly balance. Cannot be opened online. Helps those with high-deductible health plans save for medical expenses tax-free.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Variable interest rate. Interest is earned on average monthly balance. | 0.01% | — | Variable interest rate. Interest is earned on average monthly balance. |
| $5,000 – $20,000Variable interest rate. Interest is earned on average monthly balance. | 1.25% | $125 | Variable interest rate. Interest is earned on average monthly balance. |
| $20,000 – $50,000Variable interest rate. Interest is earned on average monthly balance. | 1.50% | — | Variable interest rate. Interest is earned on average monthly balance. |
| $50,000 – $100,000Variable interest rate. Interest is earned on average monthly balance. | 1.75% | — | Variable interest rate. Interest is earned on average monthly balance. |
| $100,000 – $5,000,000Variable interest rate. Interest is earned on average monthly balance. | 2.00% | — | Variable interest rate. Interest is earned on average monthly balance. |
Sources (3)
- thinkbank.com/checking-savings-and-money-market-rates
- thinkbank.com/for-you/bank/savings-and-money-market
- thinkbank.com/open-an-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.