Compare Bank & Credit Union Rates
Best savings rates in St. Cloud, 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 St. Cloud, MN
- Stearns BankAbove the Norm Personal Market SavingsSavings · $50 min · 0.85%–2.99% by balance
Bank · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Open a savings account with as little as $50. Rates are accurate as of 10/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.
Offer: A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Above the Norm Personal Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - Falcon National BankConsumer Premier MMAConsumer Premier MMA · $10,000 min · 0.38%–3.21% by balance
Bank · 1 branch
0.38%APY$38 a year on $10,000Requirements
Product: $10,000 daily balance requirement to avoid $25 monthly service fee. Variable interest rate compounded monthly. No fees on the first 6 debit/withdrawal transactions, $2.50 per transaction after 6.
Offer: $10,000 daily balance requirement to avoid $25 monthly service fee.
0.38% interest rate · Compounded monthly · $25 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Consumer Premier MMA Balance APY Up to $100,000Your amount 0.38% $100,000 – $500,000 1.38% $500,000 – $1,000,000 1.89% $1,000,000 – $2,500,000 2.21% $2,500,000 – $5,000,000 2.71% $5,000,000 and up 3.21% Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Monthly service charge of $10 if minimum balance falls below $500.
Offer: $10 monthly fee if balance falls below $500.
0.35% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $500 – $25,000Your amount 0.35% $25,000 – $100,000 0.35% $100,000 – $250,000 0.50% $250,000 – $500,000 1.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.50% 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 - 0.15%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 - 0.15%APY$15 a year on $10,000
Requirements
Product: $50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $100 is maintained or for ages 17 and under.
0.15% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Primary Savings (S1) requires a $5 minimum balance to open an account, and $100 minimum balance to earn a dividend (p78 states minimum $10 balance required). Credit union membership qualification required. Dividends are credited and compounded monthly. Rate is variable.
Offer: $5 minimum balance to open an account ($10 balance stated on p78), $100 minimum balance to earn a dividend. Rate is variable.
0.15% interest rate · Compounded monthly
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: TruStone Financial membership required. Minimum deposit to open and maintain membership is the purchase of a $5 share in TruStone Financial. No monthly maintenance fee.
Offer: TruStone Financial membership required. Dividends are compounded monthly and credited to account on every monthly statement or at the end of the calendar quarter.
0.10% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $2.00 monthly service fee applies if $50 daily balance requirement is not met. Interest compounded and credited quarterly. Free eStatements ($5 per quarter for paper statements).
Offer: $2 monthly fee waived with $50 daily balance.
0.05% interest rate · $2 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Consumer Savings Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 0.10% $100,000 and up 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable rate product that could adjust monthly. $10,000.00 minimum daily balance to waive $10/month maintenance fee. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $10,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening.
0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $10,000Your amount 0.10% $10,000 – $50,000 0.50% $50,000 – $100,000 1.51% $100,000 – $250,000 1.87% $250,000 – $500,000 2.07% Over $500,000 2.78% 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 - Blaze Credit UnionSavings (Share and Secondary)Savings · $10 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividends compounded and credited quarterly. $10.00 minimum balance required to maintain membership (Share Savings only). Daily balance method applies. On tiered rates, dividends are paid on the entire balance.
Offer: Minimum balance to earn stated APY is $0.01.
0.05% interest rate · No monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Savings (Share and Secondary) Balance APY Up to $2,000 0.05% $2,000 and upYour amount 0.10% 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 St. Cloud, MN
58 accounts at 17 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.40%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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St. Cloud, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Magnifi FinancialCredit union · 12 branches
- Blaze Credit UnionCredit union · 1 branch
- TruStone FinancialCredit union · 1 branch