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 16–30 results in Duluth, MN
- Northern Communities Credit Union (NCCYou)Money Market AccountMoney Market Account · $2,500 min · 0.50%–2.25% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St. Louis County, MN, or is a relative of a member. A $5 opening deposit in a Regular Share Savings account establishes membership. Minimum balance to begin earning dividends is $2,500; if balance falls below $2,500, dividends stop accruing. Dividends are compounded daily and credited monthly. Transactions cannot be made at ATMs.
Offer: Minimum balance to begin earning dividends is $2,500.
Compounded daily · Effective Aug 31, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.25% $50,000 – $99,999 1.75% $100,000 – $199,999 2.00% $200,000 and up 2.25% Rate checked
More details - Members Cooperative Credit UnionBoosted Savings (MembersPlus Money Market)Boosted Savings (MembersPlus Money Market) · $2,500 min · 0.75%–2.00% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Boosted Savings accounts require at least two products from Members, one of which is an active checking account (a checking account with a minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Also known as MembersPlus Money Market accounts. Daily balances of $2,500 or more earn interest; daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Fees may reduce earnings.
Offer: Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Boosted Savings (MembersPlus Money Market) Balance APY $2,500 – $99,999Your amount 0.75% $100,000 – $249,999 1.00% $250,000 – $999,999 1.75% $1,000,000 and up 2.00% Rate checked
More details - North Shore Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.76% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Compounded/Paid Monthly
Offer: Compounded/Paid Monthly
0.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.70% $50,000 – $100,000 1.26% $100,000 – $200,000 1.51% Over $200,000 1.76% Rate checked
More details - National Bank of CommerceFalls Savings AccountSavings · $5 min · 0.50%–4.00% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000intro rateRequirements
Product: Available to personal customers who open an account at the International Falls, MN office through December 31, 2026. Limit of one promotional account per primary accountholder.
Offer: Tier applies to daily balances up to $10,000.
Promotional rate · 3.92% interest rate · Effective Jun 29, 2026
Rate by balance
Rate by balance for Falls Savings Account Balance APY Up to $10,000 4.00% $10,000 and upYour amountBlended APY ranges from 1.36% to 4.00% depending on the account balance. 0.50%* Rate checked
More details - Members Cooperative Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.20%–0.45% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Membership required. Elevated savings for members with one or more products. Daily balances of $2,500 or more earn dividends/interest; daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Fees may reduce earnings.
Offer: Daily balances below $2,500 do not earn interest. APY is variable and may change at any time.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 0.20% $10,000 – $49,999Your amount 0.25% $50,000 and up 0.45% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: APY is variable and may change after account is opened. Interest compounded quarterly and earned each day the balance is $50 or more. $2 monthly service fee is waived if a minimum average monthly balance of $50 is maintained. Includes 6 free withdrawals or debits per calendar month.
Offer: Interest compounded quarterly. $2 monthly service fee waived with $50 minimum average monthly balance.
0.20% interest rate · Compounded quarterly · $2 monthly fee
Rate checked
More details - North Shore Bank of CommerceRegular SavingsSavings · $100 min · 0.10%–0.20% by balance
Bank · 3 branches
0.13%APY$12 a year on $10,000Requirements
Product: Ideal for people who want to use their savings account for an easily accessible cash reserve. $3 monthly fee charged if the $50 minimum balance requirement is not retained. Minimum opening deposit of $100 required. Accounts with a balance of zero for 35 consecutive days will be automatically closed.
Offer: Variable rate account. Rates may change after account opening. Interest is compounded monthly. $3 monthly fee if balance falls below $50 minimum. Minimum $100 opening deposit required.
0.10% interest rate · Compounded monthly · $3 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Any balance 0.10% $1,000 and up 0.12% $5,000 and upYour amount 0.13% $25,000 and up 0.15% $100,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minnesota and Wisconsin residents only. 12-month savings commitment with fees for early withdrawal. Limited to one WINcentive account per person; business and trust memberships are not eligible.
Offer: 12-month savings commitment. First early withdrawal fee is $10; second withdrawal fee is $25; third withdrawal closes account without fee. One no-penalty withdrawal permitted during anniversary month. Each $25 month-over-month balance increase earns an entry into cash prize drawings (max 4 entries/month, 12/quarter, 48/12-month period).
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Affinity Plus membership required. No minimum balance requirement and no required term.
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 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: If monthly requirements are not met (applies to all balance tiers). Compounded monthly.
Qualified rate · 0.10% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Affinity Plus membership required. $10 minimum balance represents membership share.
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $10 minimum deposit required to activate membership.
Offer: Dividends compounded and paid monthly.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Dividends compounded and paid monthly.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly maintenance fee. No minimum balance requirements or penalties.
No monthly fee · Effective Jan 1, 2018
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership eligibility required. Minimum balance required to earn APY is $5.00. No monthly fees.
Offer: Minimum balance required to earn APY is $5.00.
0.10% interest rate · No monthly fee
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