Compare Bank & Credit Union Rates
Best savings rates in St. Paul, 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 St. Paul, 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 · 4 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 - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 2 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 4 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 - 2.50%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 - Affinity PlusCapitol Money Market AccountCapitol Money Market Account · $2,000 min · 2.25%–2.35% by balance
Credit union · 2 branches
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 - St. Paul Federal Credit UnionCapital Money Market AccountCapital Money Market Account · $2,500 min · 2.30%–2.75% by balance
Credit union · 3 branches
2.30%APY$230 a year on $10,000Requirements
Product: Must maintain a minimum daily balance of $2,500.00 to earn dividends and avoid forfeiture of dividends for days below the minimum. Minimum opening deposit is $2,500.00. Dividends are calculated using the daily balance method, compounded monthly, and credited monthly. Minimum withdrawal amount is $100.00 per withdrawal. Limited to 6 preauthorized, automatic, or electronic withdrawals/transfers per monthly cycle. Membership requires maintaining at least one share ($5.00) in a share savings account.
Offer: Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00.
2.28% interest rate · Compounded monthly · Effective May 19, 2026
Rate by balance
Rate by balance for Capital Money Market Account Balance APY $2,500 – $10,000Your amount 2.30% $10,000 – $25,000 2.50% $25,000 – $50,000 2.60% $50,000 – $100,000 2.70% Over $100,000 2.75% Rate checked
More details - Associated Healthcare Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–3.05% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Open with as little as $2,500. Up to 6 free withdrawals per month via internet or telephone; additional withdrawals may incur a fee ($10.00 for every money market withdrawal after 6 per month). Non-IRA money market accounts below $2,500 assessed $10.00 monthly fee. Dividends compounded monthly. Insured by NCUA up to $250,000. Membership eligibility required.
Offer: All money market accounts below $2,500 will earn 0.05% APY. Non-IRA money market accounts below $2,500 assessed $10.00 fee.
Compounded monthly · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 2.00% $50,000 – $100,000 2.25% $100,000 – $200,000 2.50% $200,000 – $500,000 2.75% $500,000 and up 3.05% 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 - TopLine Financial Credit UnionTopLine SavingsSavings · $5,000 min · 1.80%–3.00% by balance
Credit union · 1 branch
1.80%APY$180 a year on $10,000Requirements
Product: Minimum balance requirement of $5,000 to earn dividends; balances below $5,000 will not earn dividends. No monthly service fee.
Offer: Dividends calculated daily and paid monthly.
1.78% interest rate · No monthly fee
Rate by balance
Rate by balance for TopLine Savings Balance APY $5,000 – $24,999Your amount 1.80% $25,000 – $49,999 2.05% $50,000 – $99,999 2.30% $100,000 – $149,999 2.60% $150,000 – $249,999 2.80% $250,000 and up 3.00% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 2 branches
1.60%APY$160 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Choice enhanced rate tier. Requires meeting and maintaining Emerald Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 1.58% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Drake BankMoney Market Investor SavingsMoney Market Investor Savings · $100 min · 1.51%–3.50% by balance
Bank · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Investor Savings accounts require a $100 opening balance. $25 monthly fee applies if the $25,000 minimum daily balance is not met. Includes 6 free transfers or pre-authorized withdrawals per month (up to 3 by check). Unlimited in-person deposits/withdrawals. Interest is compounded and paid monthly based on daily collected balance.
Offer: $25 monthly fee waived with $25,000 minimum daily balance.
$25 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Investor Savings Balance APY Up to $25,000Your amount 1.51% $25,000 – $100,000 2.12% $100,000 – $250,000 2.28% $250,000 – $1,000,000 2.94% $1,000,000 – $5,000,000 3.30% $5,000,000 and up 3.50% Rate checked
More details - Blaze Credit UnionMoney MarketMoney Market · $2,500 min · 1.05%–3.30% by balance
Credit union · 2 branches
1.05%APY$105 a year on $10,000Requirements
Product: Tiered dividends paid monthly. Minimum balance of $2,500 required to open and to avoid monthly minimum balance fee.
Offer: Minimum opening deposit of $2,500 required; $2,500 minimum daily balance to avoid monthly fee; minimum balance to earn stated APY is $0.01; receive 2 free withdrawals per monthly statement cycle at non-proprietary ATMs.
1.05% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 1.05% $10,000 – $20,000Your amount 1.05% $20,000 – $50,000 1.05% $50,000 – $100,000 1.05% $100,000 – $250,000 1.65% $250,000 – $500,000 2.05% $500,000 – $1,000,000 2.80% $1,000,000 and up 3.30% 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. Paul, MN
77 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.16%
- Top 10% from
- 2.12%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.21%
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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