Bank · FDIC insured
Woodland Bank Savings Rates
Woodland Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Woodland Bank’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MN, where Woodland Bank has the most branches. $10,000, best rate first.
This bank’s best
Woodland Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $100
Free Kasasa Saver
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Woodland Bank savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- 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 Woodland 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.
Free Kasasa Saver
Up to 1.00%APY
Links to free Kasasa Cash or Kasasa Cash Back checking. Qualification requires at least 10 debit card purchases post and settle, at least 1 ACH auto debit or credit / automatic payment post and settle, and enrollment in eStatements per Monthly Qualification Cycle. If not qualified for 6 consecutive months, may be converted to Woodland Easy account. Limit 1 account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999,999When qualifications in linked Kasasa Cash or Kasasa Cash Back checking are met. | 1.00% | $100 | When qualifications in linked Kasasa Cash or Kasasa Cash Back checking are met. |
| Any balanceBase rate applied to all balances if Kasasa checking qualifications are not met. | 0.05% | $5 | Base rate applied to all balances if Kasasa checking qualifications are not met. |
| $9,999,999 and upWhen qualifications in linked Kasasa Cash or Kasasa Cash Back checking are met. APY is 1.00% to 1.00% depending on balance. | 1.00% | — | When qualifications in linked Kasasa Cash or Kasasa Cash Back checking are met. APY is 1.00% to 1.00% depending on balance. |
Sources (2)
- woodland.bank/loans/personal-l…erve-line-of-credit.html
- woodland.bank/personal/persona…s/free-kasasa-saver.html
All captured Sep 18, 2026
Money Market Account
0.05%APY
Interest rate and annual percentage yield may change after account opening. Fees could reduce earnings. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived on customers age 18 & under, and customers age 62 & over. Free box of checks at account opening. Direct check-writing ability. Free eStatements. Free Online Banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $14,999Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. | 0.05% | $5 | Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. |
| $15,000 – $24,999Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. | 0.10% | — | Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. |
| $25,000 – $99,999Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. | 0.10% | — | Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. |
| $100,000 and upMinimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. | 0.10% | — | Minimum balance to obtain APY is $1.00. Avoid $15 monthly service fee/$1 per item fee by maintaining a $2,500 minimum balance. Fee waived for customers age 18 & under and 62 & over. |
Passbook Savings
0.05%APY
Avoid the $1 monthly service fee by maintaining a $100 minimum balance. Fee waived on customers age 18 & under, and customers age 62 & over.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is $1.00. $1 monthly service fee avoided by maintaining a $100 minimum balance, or waived for age 18 & under / 62 & over.$1 and up | 0.05% | $5 | Minimum balance to obtain APY is $1.00. $1 monthly service fee avoided by maintaining a $100 minimum balance, or waived for age 18 & under / 62 & over. |
Sources (2)
- woodland.bank/loans/credit-car…rsonal-credit-cards.html
- woodland.bank/personal/persona…ngs/regular-savings.html
All captured Sep 18, 2026
Special-purpose accounts
IRA Variable
0.85%APY
Individual Retirement Account (IRA) variable rate savings account. Traditional or Roth IRA available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to obtain APY is $10.$10 and up | 0.85% | $85 | Minimum balance to obtain APY is $10. |
Health Savings Account (HSA)
0.20%APY
Must be covered under a high-deductible health plan (HDHP), under 65, and not enrolled in Medicare. $1 monthly service fee waived for customers age 18 and under, and age 62 and over.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. | 0.05% | — | Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. |
| $2,000 – $5,000Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. | 0.10% | — | Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. |
| Over $5,000Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. | 0.20% | $20 | Minimum balance to obtain APY is $1.00. $1 monthly fee waived for customers age 18 & under and age 62 & over. |
Sources (2)
- woodland.bank/loans/credit-car…rsonal-credit-cards.html
- woodland.bank/personal/persona…lth-savings-account.html
All captured Sep 18, 2026
Christmas Club Account
0.05%APY
No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is $1.00.$1 and up | 0.05% | $5 | Minimum balance to obtain APY is $1.00. |
Home Improvement Club Account
0.05%APY
No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is $1.00.$1 and up | 0.05% | $5 | Minimum balance to obtain APY is $1.00. |
School Club Account
0.05%APY
No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is $1.00.$1 and up | 0.05% | $5 | Minimum balance to obtain APY is $1.00. |
Vacation Club Account
0.05%APY
No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is $1.00.$1 and up | 0.05% | $5 | Minimum balance to obtain APY is $1.00. |
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.