Compare Bank & Credit Union Rates
Best savings rates in Apple Valley, 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 Apple Valley, MN
- Royal Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.40%–3.60% by balance
Credit union · 1 branch
3.40%APY$340 a year on $10,000with conditionsRequirements
Product: To earn qualified APY, must be Tax Reported Owner of a primary base savings account and an eligible Royal checking account with at least $500 in cumulative qualifying direct deposits. Cadence is stated as every 60 days on the product page or every 45 days in footnote 3. One high-yield savings account per Tax Reported Owner. If requirements are not met, non-qualified APY applies. No minimum balance required to open.
Qualified rate · 0.40% interest rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $10,000 0.40% $10,000 – $100,000Your amount 3.40% $100,000 – $250,000 3.60% Over $250,000 1.75% Rate checked
More details - 3.30%APY$330 a year on $10,000
Requirements
Product: Special savings account locking funds for 8 months. No minimum opening balance. Substantial penalty for early withdrawal. After 8 months, enters a 10-day grace period to make changes or it re-locks for another 8 months.
Offer: 8 Month term
3.25% interest rate · Effective Feb 2, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 2 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 2 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Royal Credit UnionSave & Spend Duo SavingsSavings · $0 min · 0.40%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Combined with Duo Checking. $5 monthly fee waived when making at least 20 debit card purchases each calendar month and logging in to online or mobile banking at least once every 90 days. Includes Debit Roundup feature. No minimum balance to open or earn APY.
Offer: On the first $10,000
Qualified rate · 2.96% interest rate · $5 monthly fee · Effective Feb 23, 2026
Rate by balance
Rate by balance for Save & Spend Duo Savings Balance APY Up to $10,000Your amount 3.00% Over $10,000Amounts over $10,000 0.40% 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 - 1.35%APY$135 a year on $10,000
Requirements
Product: No minimum balance. No monthly maintenance fee. Membership required and account opening upon qualification.
Offer: Minimum balance of $.01 to earn APY. Rates may change after account is opened.
0.80% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 1.35% $25,000 – $50,000 1.65% $50,000 – $100,000 1.80% $100,000 – $250,000 2.00% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - Expedition Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.75%–2.02% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Rates are variable and may change monthly or at any time as determined by the Board of Directors. For tiered accounts, once a particular range is met, the interest rate and annual percentage yield for that balance range will apply to the full balance of your account. Membership required (par value of one share is $5.00).
Offer: Once a particular range is met, the rate applies to the full balance. Minimum opening deposit of $2,500.00. Minimum daily balance of $2,500.00 required to earn the APY and avoid a service fee. Compounded monthly, credited monthly.
Compounded monthly
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.51% $50,000 – $100,000 1.76% $100,000 and up 2.02% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: 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.
Offer: Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees.
1.24% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $20,000Your amount 1.25% $20,000 – $50,000 1.50% $50,000 – $100,000 1.75% $100,000 – $5,000,000 2.00% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Merchants BankDiamond Money MarketDiamond Money Market · $5,000 min · 0.25%–3.20% by balance
Bank · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: $5,000 minimum daily balance required to avoid $10 monthly fee. 6 withdrawals allowed per month ($10 fee per withdrawal over 6).
$10 monthly fee · Effective Apr 16, 2026
Rate by balance
Rate by balance for Diamond Money Market Balance APY Up to $5,000 0.25% $5,000 – $25,000Your amount 0.55% $25,000 – $50,000 1.00% $50,000 – $100,000 1.30% $100,000 – $200,000 2.00% $200,000 – $1,000,000 2.25% Over $1,000,000 3.20% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: $5 minimum opening deposit and minimum balance to open Membership account, no minimum balance for additional savings accounts. $0.01 minimum balance to earn APY. Establishes credit union membership.
0.40% interest rate · Effective Jul 1, 2023
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: 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.
Offer: Variable interest rate. Interest is earned on average monthly balance.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Balance APY Up to $2,500 0.30% $2,500 – $10,000 0.30% $10,000 – $20,000Your amount 0.40% $20,000 – $5,000,000 0.40% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% 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 Apple Valley, MN
42 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.90%
- Banks, typical
- 0.05%
- Credit unions, typical
- 1.31%
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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