Compare Bank & Credit Union Rates
Best savings rates in Duluth, 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 Duluth, 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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
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 · 1 branch
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 - North Shore Bank of CommercePreferred Investment Max | Money MarketPreferred Investment Max | Money Market · $100 min · 0.70%–3.50% by balance
Bank · 3 branches
2.70%APY$270 a year on $10,000Requirements
Product: Tiered rate system; interest accrues daily, paid/compounded monthly. Variable rate account; rates may change after opening. $10 monthly service charge if balance falls below $5,000 minimum balance. Accounts with zero balance for 35 consecutive days will be automatically closed.
Offer: Variable rate. $10 monthly service charge if balance falls below $5,000 minimum balance.
0.70% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Preferred Investment Max | Money Market Balance APY Any balance 0.70% $5,000 and upYour amount 2.70% $100,000 and up 2.95% $500,000 and up 3.20% $1,000,000 and up 3.50% 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 - Share Advantage Credit UnionMoney MarketMoney Market · $2,000 min · 0.15%–2.50% by balance
Credit union · 2 branches
2.50%APY$250 a year on $10,000Requirements
Product: Rates are variable and based on Average Daily Balance. Membership eligibility required. If balance falls below the $2,000 minimum, earnings are reduced to the Regular Share/Savings rate. Dividends are credited monthly.
Offer: Average Daily Balance tier $2,000.00 - $9,999.99. If the balance falls below the $2,000 minimum, the interest/dividend is reduced to that of a Regular Share/Savings.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $10,000 0.15% $10,000 – $20,000Your amount 2.50% $20,000 and up 2.50% 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 - Harbor Pointe Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.50%–2.25% by balance
Credit union · 3 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500.00 required. Limited to six electronic debits/withdrawals to third parties per month. Withdrawals allowed in amounts of $250.00 or more as long as account does not drop below $2,500.00 minimum balance. Deposits allowed anytime in increments of $100.00 or more. No fees to open or maintain account. Funds insured up to $250,000 by NCUA.
Offer: Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates.
Qualified rate · No monthly fee · Effective Jul 25, 2025
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $100,000Your amount 1.50% $100,000 – $250,000 1.75% $250,000 and up 2.25% Rate checked
More details - Harbor Pointe Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.25%–2.00% by balance
Credit union · 3 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500.00 required. Limited to six electronic debits/withdrawals to third parties per month. Withdrawals allowed in amounts of $250.00 or more as long as account does not drop below $2,500.00 minimum balance. Deposits allowed anytime in increments of $100.00 or more. No fees to open or maintain account. Funds insured up to $250,000 by NCUA.
Qualified rate · No monthly fee · Effective Jul 25, 2025
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $100,000Your amount 1.25% $100,000 – $250,000 1.50% $250,000 and up 2.00% Rate checked
More details - Bell BankPremier Money Market SavingsPremier Money Market Savings · $5,000 min · 1.16%–1.36% by balance
Bank · 2 branches
1.16%APY$116 a year on $10,000Requirements
Product: Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
Offer: $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly.
1.15% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY $5,000 – $100,000Your amount 1.16% $100,000 – $500,000 1.26% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.36% Rate checked
More details - 1.06%APY$106 a year on $10,000
Requirements
Product: Minimum balance of $500 to earn interest and avoid service fees. No service charge if minimum balance of $500 is maintained. Interest earned each day balance is $500 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly.
Offer: $10 service fee if minimum balance is not maintained. Variable rate. Paid monthly.
1.05% interest rate · Compounded monthly · $10 monthly fee
Rate checked
More details - CentricityCUMoney Market AccountMoney Market Account · $0 min · 0.05%–2.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: No monthly service fee. Limited to six withdrawals per month.
Offer: Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure.
0.05% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.70% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.25% $50,000 – $100,000 1.50% $100,000 and up 2.00% Rate checked
More details - Superior Choice Credit UnionPremier Money Market AccountsPremier Money Market Accounts · $2,500 min · 0.50%–2.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Membership eligibility required. $2,500.00 minimum opening requirement. If the balance falls below the $2,500.00 minimum balance requirement, a $10.00 monthly maintenance fee will be imposed. Rates may change at anytime after account opening. Fees may reduce earnings on the account.
Offer: If balance falls below $2,500.00, a $10.00 monthly maintenance fee applies.
$10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Accounts Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 2.00% $250,000 and up 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 Duluth, MN
56 accounts at 16 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.43%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Duluth, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harbor Pointe Credit UnionCredit union · 3 branches
- Northwoods Credit UnionCredit union · 4 branches
- North Star Credit UnionCredit union · 4 branches