Compare Bank & Credit Union Rates
Best savings rates in Minnetonka, 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 Minnetonka, MN
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be linked to and opened in conjunction with a Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per SSN. Rewards earned in Kasasa checking automatically post or transfer to Kasasa Saver.
Offer: Applies to average daily balances up to $100,000 when linked Kasasa checking qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Sep 29, 2026
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 - Highland BankPremier Money Market SavingsPremier Money Market Savings · $1,000 min · 0.70%–1.66% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Interest compounded and credited monthly. Average daily balance method used to calculate interest. $15 monthly service charge applies if minimum daily balance is not maintained ($10,000 in account details, $1,000 in comparison table).
Offer: Monthly fee waived with qualifying minimum daily balance.
0.70% interest rate · $15 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY Up to $10,000 0.70% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.95% $50,000 – $100,000 1.06% $100,000 – $250,000 1.31% $250,000 – $1,000,000 1.46% $1,000,000 – $2,500,000 1.56% $2,500,000 – $5,000,000 1.61% $5,000,000 and up 1.66% Rate checked
More details - Selfreliance Federal Credit UnionMoney Market AccountsMoney Market Accounts · 0.05%–3.29% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends accrue on daily balance, compound monthly and rates may be adjusted monthly. Withdrawals are limited as stated in Truth In Savings disclosure. Requires admission to membership ($5.00 par value share).
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $1,000 0.05% $1,000 – $24,999Your amount 0.75% $25,000 – $74,999 1.26% $75,000 – $249,999 1.76% $250,000 – $499,999 2.27% $500,000 and up 3.29% Rate checked
More details - Highland BankMoney Market SavingsMoney Market Savings · $1,000 min · 0.50%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Interest compounded and credited monthly. Average daily balance method used to calculate interest. $10 monthly service charge applies if minimum daily balance of $1,000 is not maintained.
Offer: $10 monthly service charge waived with $1,000 minimum daily balance.
0.50% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.50% $1,000 and upYour amount 0.75% Rate checked
More details - Wings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.10%–1.60% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Membership required. Insured by NCUA. Minimum actual balance required to open is $2,500. Pay no monthly fees or minimum balance fee.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.80% $50,000 – $100,000 1.00% $100,000 – $250,000 1.30% $250,000 and up 1.60% Rate checked
More details - City & County Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.10%–0.65% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum balance of $2,500 required; a fee is charged if balance drops below $2,500.
Offer: A fee is charged if you drop below the $2,500 minimum balance.
0.10% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.10% $2,500 – $24,999Your amount 0.40% $25,000 – $49,999 0.45% $50,000 – $99,999 0.55% $100,000 and up 0.65% Rate checked
More details - 0.30%APY$30 a year on $10,000
0.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market4Me Balance APY Up to $25,000Your amount 0.30% $25,000 – $100,000 1.00% $100,000 – $250,000 1.92% $250,000 and up 2.27% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: $200 minimum balance to avoid monthly service charge of $5 if below minimum daily balance any day during statement cycle.
$5 monthly fee · Effective May 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Higher interest rates reward consistency. Automatic transfers build discipline. All accrued earnings forfeited if closed before end of quarter.
Offer: Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.
0.20% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Higher balances earn higher rates. No monthly service charge. Direct check writing access. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $25,000. Rates current as of 10/1/26 and may change after account opening.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Max Savings Balance APY Up to $25,000Your amount 0.15% $25,000 – $100,000 0.30% $100,000 – $225,000 0.50% $225,000 – $500,000 1.00% Over $500,000 1.51% 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 Minnetonka, MN
46 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches