Compare Bank & Credit Union Rates
Best savings rates in Albert Lea, MN
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Albert Lea, MN
- 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: One Superior Money Market per membership. Membership required. Direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and enrollment in digital statements required to earn higher dividend rate; otherwise receives 0.100% APY. No minimum balance and no minimum balance fee.
Offer: Requirements met (monthly direct deposit of $500+ and digital statements). Compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - United Employees Credit UnionTiered Money Market AccountsTiered Money Market Accounts · $2,500 min · 2.58%–2.99% by balance
Credit union · 1 branch
2.58%APY$258 a year on $10,000Requirements
Product: Dividends paid on average daily balance.
2.55% interest rate
Rate by balance
Rate by balance for Tiered Money Market Accounts Balance APY $2,500 and upYour amount 2.58% $20,000 and up 2.99% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required. $10,000 minimum balance to earn dividends. Subject to a $20 minimum balance fee if the balance falls below $10,000.
Offer: Compounded monthly. $20 fee applies if balance falls below $10,000.
2.47% interest rate · Compounded monthly · $20 monthly fee · Effective Sep 3, 2025
Rate checked
More details - Affinity PlusCapitol Money Market AccountCapitol Money Market Account · $2,000 min · 2.25%–2.35% by balance
Credit union · 1 branch
2.35%APY$235 a year on $10,000Requirements
Product: Membership required. $2,000 minimum balance to earn dividends. Not subject to a monthly minimum balance fee.
Offer: Compounded monthly.
2.23% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate by balance
Rate by balance for Capitol Money Market Account Balance APY $2,000 – $4,999 2.25% $5,000 and upYour amount 2.35% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: No monthly service charge with average daily balance of $500, otherwise $25. Must enroll in e-Statements or pay a $2 monthly paper statement fee. Check writing available.
Offer: Monthly fee waived with an average daily balance of $500.
1.25% interest rate · $25 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for MORE Money Market Balance APY Up to $25,000Your amount 1.26% $25,000 – $100,000 1.76% $100,000 – $249,999 2.03% $250,000 – $500,000 2.54% $500,000 and up 3.05% Rate checked
More details - Security Bank MinnesotaPlatinum Money Market SavingsPlatinum Money Market Savings · $10,000 min · 0.75%–2.27% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Offer: Average Daily Balances of: $ 10,000.00d to obtain Annual Percentage Yield
0.75% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Platinum Money Market Savings Balance APY Up to $20,000Your amount 0.75% $20,000 – $50,000 1.00% $50,000 – $150,000 1.26% $150,000 – $250,000 1.76% $250,000 and up 2.27% Rate checked
More details - Security Bank MinnesotaMoney Market Investment SavingsMoney Market Investment Savings · $1,000 min · 0.65%–1.26% by balance
Bank · 1 branch
0.65%APY$65 a year on $10,0000.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Investment Savings Balance APY Up to $20,000Your amount 0.65% $20,000 – $50,000 0.95% $50,000 and up 1.26% Rate checked
More details - Produce State BankPassbook Savings AccountSavings · $50 min · 0.20%–0.50% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: 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.
Offer: $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% interest rate · $2 monthly fee · Effective Jan 1, 2020
Rate by balance
Rate by balance for Passbook Savings Account Balance APY Up to $2,500 0.20% $2,500 – $5,000 0.35% $5,000 and upYour amount 0.50% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must Have a BEYOND SPEND Account, ONE Account Available Per Primary Tax ID.
Offer: Up to $4,999.99; Must Have a BEYOND SPEND Account, ONE Account Available Per Primary Tax ID.
Qualified rate · 1.49% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Beyond Save Balance APY Up to $5,000 1.50% $5,000 – $25,000Your amountBetween $5,000.00-$24,999.99; APY ranges from 0.70% to 1.50%; 0.50%* $25,000 and upOver $25,000.00; APY ranges from 0.25% to 0.70%; 0.10%* Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No monthly service charge with daily balance of $100; otherwise $5.
Offer: No monthly service charge with daily balance of $100; otherwise $5.
0.15% interest rate · $5 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Classic Save Balance APY Up to $10,000 0.15% $10,000 and upYour amount 0.25% Rate checked
More details - CCFBankFreedom Advantage Money MarketFreedom Advantage Money Market · $500 min · 0.25%–0.60% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Must enroll in e-Statements or pay a $2 monthly paper statement fee. Check writing available.
0.25% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Freedom Advantage Money Market Balance APY Up to $25,000Your amount 0.25% $25,000 – $100,000 0.35% $100,000 – $250,000 0.40% $250,000 – $500,000 0.50% $500,000 and up 0.60% Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: Must have a BEYOND SPEND & BEYOND SAVE Account.
Offer: Must have a BEYOND SPEND & BEYOND SAVE Account.
Qualified rate · 0.25% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No service charge unless average balance falls below minimum, then $3.00 per month. Interest compounded monthly.
Offer: No service charge unless average balance falls below minimum of $100.00, then $3.00 per month. Interest bearing if minimum balance maintained, with interest rate subject to change; interest is compounded monthly. Average daily balance.
0.25% interest rate · Compounded monthly · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Albert Lea, MN
31 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 2.35%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.10%
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Albert Lea, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Employees Credit UnionCredit union · 1 branch