Compare Bank & Credit Union Rates
Best savings rates in Minnesota
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 331–345 results in Minnesota
- 0.14%APY$14 a year on $10,000with conditions
Requirements
Product: All-electronic personal account for Digital Banking customers. Compounded monthly based on daily available balance. Requires linked US checking account. $1,000 minimum balance required to earn APY. $17 monthly fee if daily collected/ledger balance falls below $1,000. 6 free withdrawals per month, then $3 each. eStatements required (fee of $4/month if enrolled in paper statements).
Offer: Must maintain daily collected/available balance of $1,000. $17 monthly fee if daily balance falls below $1,000. $4 monthly fee if paper statements sent.
Qualified rate · Compounded monthly · $17 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.13%APY$13 a year on $10,000
Requirements
Product: $3 maintenance charge per month if balance falls below minimum during statement cycle ($100 minimum balance). Free e-Statements or $5.00 monthly fee for paper statement. Interest calculated by average daily balance method and compounded monthly.
Offer: Subject to a $3 monthly maintenance charge if minimum balance of $100 is not maintained.
0.13% interest rate · Compounded monthly · $3 monthly fee · Effective May 18, 2026
Rate checked
More details - North Shore Bank of CommerceRegular SavingsSavings · $100 min · 0.10%–0.20% by balance
Bank · 5 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. Requires a $50 minimum balance to avoid a $3 monthly service fee. Accounts with a balance of zero for 35 consecutive days will be automatically closed.
Offer: Variable rate account. Interest is compounded monthly. Minimum $100 opening deposit required. $3 monthly fee if balance falls below $50 minimum.
0.10% interest rate · Compounded monthly · $3 monthly fee · Effective Oct 16, 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 - 0.12%APY$12 a year on $10,000
Requirements
Product: $50 Minimum to open, $50 Minimum Average (Compounded Quarterly).
Offer: $50 Minimum Average (Compounded Quarterly).
0.12% interest rate · Compounded quarterly · Effective Sep 30, 2026
Rate checked
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
Rate checked
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 · 11 branches
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: Secondary share savings account. Dividends compounded and paid monthly.
Offer: Compounded/paid monthly. Dividends paid from current income and available earnings.
0.10% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum $10 deposit to activate membership and open account; no monthly membership fees and no further minimum balance requirement to keep open. Shares earn monthly dividends.
Offer: Compounded/paid monthly. Minimum $10 deposit to open and activate membership. Dividends paid from current income and available earnings.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Northern Communities Credit Union (NCCYou)WINcentive Savings AccountSavings · $5 min
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Prize-linked savings account. Must be a resident of Minnesota or Wisconsin. Must commit to one year of saving. Can only be primary account holder for one WINcentive Savings account.
Offer: Earns 1 drawing entry for each $25 savings increase (up to 4 entries per month) for monthly, quarterly, and annual prize drawings ($25, $100, $1,000, and $5,000). Unlimited deposits allowed.
Effective Aug 31, 2026
Rate checked
More details - Northern Communities Credit Union (NCCYou)Sub Share Savings AccountSavings · $0 min
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Designate funds for specific savings goals; can be used as overdraft protection source.
Offer: Dividends compounded daily based on average balance and credited quarterly.
Compounded daily · Effective Aug 31, 2026
Rate checked
More details - Northern Communities Credit Union (NCCYou)Regular Share Savings AccountSavings · $5 min
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Establishes credit union membership. Minimum opening deposit of $5 represents member share. Membership is open to anyone who lives, works, worships, or attends school in St. Louis County, MN, or relatives of members.
Offer: Dividends compounded daily based on average balance and credited quarterly. Paper statements are $2.95 quarterly ($2.95 monthly if member has checking or electronic transactions); free for members 65 and older; e-statements are free.
Compounded daily · Effective Aug 31, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable interest rate subject to change at any time.
Offer: Minimum balance to obtain APY is $50. Variable interest rate subject to change at any time.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly service charges. $5 minimum balance to maintain and open membership. Dividends calculated by applying a daily periodic rate to principal.
Offer: Rates shown as Interest Annual Percentage Yields; variable and subject to change.
No monthly fee · Effective Oct 1, 2026
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 Minnesota
510 accounts at 188 banks and credit unions · checked Oct 22–23
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch