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 31–45 results in St. Paul, MN
- Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 2 branches
0.25%APY$25 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: Standard rate tier. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 0.25% interest rate · $16 monthly fee · Effective Oct 5, 2026
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Designed for specific savings goals (vacation, tuition, holiday). Dividends paid monthly. $25.00 minimum balance.
Offer: Dividends paid monthly. Rates subject to change without notice.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.21%APY$21 a year on $10,000
Requirements
Product: Must be eligible for TopLine membership and be a Minnesota or Wisconsin resident. Age 18+ or minor with parental agreement. Limit one WINcentive Savings Account per member. Minimum opening deposit of $5. 12-month savings commitment: 1st early withdrawal = $10 fee, 2nd withdrawal = $25 fee, 3rd withdrawal = account closed. Prize drawings entry for each $25 month-over-month balance increase (max 4 entries/month).
Offer: Dividends calculated daily and paid monthly.
0.21% interest rate
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest compounded quarterly based on daily balance. $4 monthly service charge waived with a $50 minimum balance.
Offer: $50 minimum balance to avoid $4 per month service charge.
0.15% interest rate · Compounded quarterly · $4 monthly fee
Rate by balance
Rate by balance for MySavings Balance APY Up to $1,000 0.15% $1,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Requires a $100 opening balance. $5 monthly fee if the $50 minimum daily balance is not met. 5 free withdrawals per month, then $1.00 per withdrawal.
Offer: Interest is paid when the minimum daily balance is met. Compounded and paid monthly based on daily collected balance. $5 monthly fee waived if $50 minimum daily balance is met.
0.20% interest rate · $5 monthly fee · Effective Oct 5, 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
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More details - 0.18%APY$18 a year on $10,000
0.18% interest rate · Effective May 19, 2026
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More details - TopLine Financial Credit UnionSavings PlusSavings · $0 min · 0.11%–0.16% by balance
Credit union · 1 branch
0.16%APY$16 a year on $10,000Requirements
Product: Secondary savings account with no monthly service fee.
Offer: Dividends calculated daily and paid monthly.
0.11% interest rate · No monthly fee
Rate by balance
Rate by balance for Savings Plus Balance APY Up to $4,999 0.11% $5,000 – $9,999 0.16% $10,000 – $49,999Your amount 0.16% $50,000 and up 0.16% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A $5 deposit (value of one share) required to open and maintain the account. Dividends paid monthly.
Offer: Dividends paid monthly. Rates subject to change without notice.
0.15% interest rate · No monthly fee
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More details - 0.12%APY$12 a year on $10,000
Requirements
Product: Minimum daily balance of $50 required to earn dividends; $5 minimum opening deposit.
0.12% interest rate · No monthly fee · Effective May 19, 2026
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More details - 0.11%APY$11 a year on $10,000
Requirements
Product: Dividends paid on accounts with more than a $50.00 balance; paid monthly. $5.00 deposit represents share in Credit Union.
Offer: Dividends paid monthly on accounts with more than a $50.00 balance.
0.10% interest rate
Rate checked
More details - TopLine Financial Credit UnionBasic Share SavingsSavings · $100 min · 0.06%–0.11% by balance
Credit union · 1 branch
0.11%APY$11 a year on $10,000Requirements
Product: Become a TopLine Financial Credit Union owner with a simple $5 deposit. Balances that fall below the minimum required will not earn dividends and may incur a monthly fee.
Offer: Dividends calculated daily and paid monthly.
0.06% interest rate
Rate by balance
Rate by balance for Basic Share Savings Balance APY $100 – $4,999 0.06% $5,000 – $9,999 0.11% $10,000 – $49,999Your amount 0.11% $50,000 and up 0.11% 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
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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