Compare Bank & Credit Union Rates
Best savings rates in Brainerd, 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 Brainerd, MN
- 5.00%APY$500 a year on $10,000
Requirements
Product: Designed to hold inheritance or life insurance proceeds while determining next steps.
Effective Oct 1, 2026
Rate checked
More details - Mid Minnesota Federal Credit UnionKasasa SaverSavings · $5 min · 0.15%–2.50% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number.
Offer: Requires meeting linked Kasasa checking qualifications per Monthly Qualification Cycle (at least 1 direct deposit/ACH debit/credit, 12 debit card purchases, and e-statements).
Qualified rate · 2.47% interest rate · No monthly fee · Effective Feb 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $35,000Your amount 2.50% Over $35,000 0.15%* 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 - Neighborhood National BankPrime Money MarketPrime Money Market · $5,000 min · 1.75%–3.10% by balance
Bank · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Rate effective 10/14/2025. Subject to change. $5.00 monthly fee if balance below $5,000. Fee waived if enrolled in e-statements. $5,000 minimum deposit for advertised rate. Interest compounded monthly.
Offer: Balance >= $5,000. APY 1.75-1.76%.
Compounded monthly · $5 monthly fee · Effective Oct 14, 2025
Rate by balance
Rate by balance for Prime Money Market Balance APY $5,000 and upYour amount 1.75% $25,000 and upAPY 2.00-2.02%. 2.00% $50,000 and upAPY 2.71-2.75%. 2.71% $100,000 and upAPY 3.00%-3.04%. 3.00% $250,000 and upAPY 3.10%-3.14%. 3.10% Rate checked
More details - Brainerd BN Credit UnionMoney MarketMoney Market · $5 min · 0.15%–0.60% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Earns dividends quarterly. If balance drops below the minimum balance you earn the Universal Savings dividend rate.
0.15% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.15% $2,500 and upYour amount 0.60% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest compounded monthly based on daily balance. $4 monthly service charge waived with a $20,000 minimum balance.
Offer: $20,000 minimum balance to avoid $4 per month service charge.
0.25% interest rate · Compounded monthly · $4 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for MySavings + Balance APY Up to $20,000Your amount 0.25% $20,000 – $200,000 0.40% $200,000 and up 1.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Service fee of $7.50 / mo applies below $10,000.00 minimum balance.
Offer: $7.50 monthly fee charged if balance falls below $10,000.00.
0.25% interest rate · $7.50 monthly fee · Effective Sep 18, 2019
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest compounded quarterly based on daily balance. $4 monthly service charge waived with a $50 minimum balance.
Offer: $50 minimum balance to avoid $4 per month service charge.
0.15% interest rate · Compounded quarterly · $4 monthly fee
Rate by balance
Rate by balance for MySavings Balance APY Up to $1,000 0.15% $1,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
0.20% interest rate · No monthly fee · Effective Sep 18, 2019
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Earns dividends quarterly.
Offer: Required $5 minimum balance. Earns dividends quarterly.
0.15% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Required for all members to provide them with a share in the Credit Union. Earns dividends quarterly. Eligible for Minnesota Life Group Life Insurance.
Offer: Required $5 minimum balance. Earns dividends quarterly.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Offers prize drawing entries in return for each time month-over-month savings balance is increased by $25 (up to 4 entries per month).
Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 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 Brainerd, MN
23 accounts at 8 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.13%
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Brainerd, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 4 branches
- Bell BankBank · 1 branch