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 91–105 results in Minnesota
- 1.26%APY$126 a year on $10,000
Requirements
Product: No monthly service charge with average daily balance of $500, otherwise $25. Must enroll in e-Statements or pay a $2 monthly paper statement fee. Check writing available.
Offer: Monthly fee waived with an average daily balance of $500.
1.25% interest rate · $25 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for MORE Money Market Balance APY Up to $25,000Your amount 1.26% $25,000 – $100,000 1.76% $100,000 – $249,999 2.03% $250,000 – $500,000 2.54% $500,000 and up 3.05% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: Tiered interest savings account. $10,000 minimum deposit to open. $10 monthly service charge waived by maintaining a $10,000 average daily balance. Limit of 6 pre-authorized/automatic/third-party transactions per month. Direct check writing included.
Offer: Interest compounded and paid monthly. $10 monthly service charge applies unless $10,000 average daily balance is maintained.
0.35% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investor Savings Account Balance APY Up to $10,000 0.35% $10,000 – $75,000Your amount 1.26% $75,000 and up$10 monthly service charge waived with $10,000 average daily balance. 2.02% Rate checked
More details - 1.26%APY$126 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings into Kasasa Saver. Qualifications per Monthly Qualification Cycle on linked checking: at least 1 ACH credit or ACH payment transaction, at least 12 debit card purchases, enrolled in and agree to receive e-statements.
Offer: Qualifying rate for balances up to $25,000 when linked Kasasa Cash or Kasasa Cash Back qualifications are met.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $25,000Your amount 1.26% $25,000 and up 0.20% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: Must retain an average daily balance of $100.00 to receive the stated APY. $3.00 service charge per quarter if balance falls below minimum balance. Variable interest rate; interest paid quarterly. Required minimum balance waived for children through 12th grade.
Offer: Rates may change after account opening. Fees may reduce earnings.
0.60% interest rate · Effective Dec 24, 2025
Rate by balance
Rate by balance for Tiered Savings Balance APY $100 – $10,000 0.60% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 2.00% $100,000 – $250,000 2.25% $250,000 and up 3.00% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: Consumer accounts may be opened by existing customers, or new customers who live or work in Minnesota. No minimum balance requirement. No monthly service fees. Interest is earned on average monthly balances of $5,000 and higher. If combined deposit relationship balance in savings or money market accounts exceeds $15,000,000.00, balances exceeding $15,000,000.00 will be transferred to an interest bearing checking account.
Offer: Interest earned on average monthly balance. Variable rate. No minimum balance requirement. No monthly service fees.
1.24% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $20,000Your amount 1.25% $20,000 – $50,000 1.50% $50,000 – $100,000 1.75% $100,000 – $5,000,000 2.00% Rate checked
More details - Minnesota Valley Federal Credit UnionMoney Market Savings (S6)Money Market Savings (S6) · $0 min · 0.30%–3.00% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000Requirements
Offer: Dividends compound monthly. Fees may reduce earnings.
0.30% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Money Market Savings (S6) Balance APY Up to $999 0.30% $1,000 – $4,999 0.50% $5,000 – $9,999 0.75% $10,000 – $19,999Your amount 1.25% $20,000 – $39,999 1.50% $40,000 – $69,999 1.75% $70,000 – $99,999 2.25% $100,000 – $249,999 2.75% $250,000 and up 3.00% Rate checked
More details - Harbor Pointe Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.25%–2.00% by balance
Credit union · 3 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500.00 required. Limited to six electronic debits/withdrawals to third parties per month. Withdrawals allowed in amounts of $250.00 or more as long as account does not drop below $2,500.00 minimum balance. Deposits allowed anytime in increments of $100.00 or more. No fees to open or maintain account. Funds insured up to $250,000 by NCUA.
Qualified rate · No monthly fee · Effective Jul 25, 2025
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $100,000Your amount 1.25% $100,000 – $250,000 1.50% $250,000 and up 2.00% Rate checked
More details - Arise Community Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.75% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,0000.00% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,001 – $5,000 1.25% $5,001 – $10,000Your amount 1.25% $10,001 – $25,000 1.25% $25,001 – $50,000 1.50% $50,000 and up 1.75% Rate checked
More details - TruStar Federal Credit UnionRegular SharesSavings · $0 min · 1.05%–1.50% by balance
Credit union · 6 branches
1.20%APY$120 a year on $10,000Requirements
Product: Minimum balance requirement for regular savings is $25.00. Minimum balance to earn stated APY for share balance is $1,000. Average daily balance method used. Membership available to anyone who lives, works, worships, or attends school in Koochiching, Beltrami, Wadena, Hubbard, Becker, or the northwest corner of St. Louis counties.
Offer: Minimum balance to earn stated APY is $1,000.
Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $2,499 1.05% $2,500 – $9,999 1.10% $10,000 – $24,999Your amount 1.20% $25,000 – $49,999 1.30% $50,000 – $99,999 1.40% $100,000 and up 1.50% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: Interest compounded and credited monthly. A service charge of $5.00 is imposed each monthly statement cycle if average ledger balance falls below $1,000.00 (fee waived for under age 18, or if combined deposit balance is at least $1,000.00 or loan balance is at least $20,000.00).
1.10% interest rate
Rate by balance
Rate by balance for High-Interest Savings Balance APY Up to $10,000 1.11% $10,000 – $40,000Your amount 1.16% $40,000 and up 1.21% Rate checked
More details - Bell BankPremier Money Market SavingsPremier Money Market Savings · $5,000 min · 1.16%–1.36% by balance
Bank · 17 branches
1.16%APY$116 a year on $10,000Requirements
Product: Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
Offer: $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly.
1.15% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY $5,000 – $100,000Your amount 1.16% $100,000 – $500,000 1.26% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.36% Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Minimum balance of $50.00 to avoid $3.00 quarterly service charge (fee waived for under age 18, or if combined deposit balance is at least $1,000.00 or loan balance is at least $20,000.00).
1.10% interest rate
Rate by balance
Rate by balance for Foresight Savings Balance APY Up to $10,000 1.10% $10,000 – $40,000Your amount 1.15% $40,000 and up 1.21% Rate checked
More details - St. Cloud Financial Credit UnionMoney Market Insured Investment AccountMoney Market Insured Investment Account · $2,000 min · 1.15%–2.00% by balance
Credit union · 5 branches
1.15%APY$115 a year on $10,000Requirements
Product: $2,000 minimum balance required. Dividends are credited and compounded monthly. All savings rates are variable.
1.14% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Insured Investment Account Balance APY $2,000 – $9,999 1.15% $10,000 – $24,999Your amount 1.15% $25,000 – $49,999 1.30% $50,000 – $99,999 1.50% $100,000 – $249,999 1.60% $250,000 and up 2.00% Rate checked
More details - Woodlands National BankMoney Market SavingsMoney Market Savings · $2,500 min · 1.11%–2.12% by balance
Bank · 7 branches
1.11%APY$111 a year on $10,000Requirements
Product: Interest is compounded daily and credited quarterly. Variable rate account and rate may change after opening. $2,500.00 opening deposit required. $5.00 monthly service charge assessed if average daily balance for the statement period falls below $2,500.00.
Offer: Monthly service charge of $5.00 is assessed if average daily balance for the statement period falls below $2,500.00. Interest is compounded daily and credited quarterly.
1.10% interest rate · Compounded daily · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $100,000Your amount 1.11% $100,000 and up 2.12% Rate checked
More details - Bank ForwardForward Money Market SavingsForward Money Market Savings · $5,000 min · 1.10%–2.00% by balance
Bank · 2 branches
1.10%APY$110 a year on $10,000Requirements
Product: Tiered interest rates, interest paid monthly. No monthly service fee with $5000.00 minimum daily balance; $25.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
1.09% interest rate · $25 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Forward Money Market Savings Balance APY $5,000 – $100,000Your amount 1.10% $100,000 – $250,000 1.50% $250,000 – $500,000 1.60% $500,000 – $2,000,000 1.60% $2,000,000 and up 2.00% 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
511 accounts at 189 banks and credit unions · checked Oct 16–22
- 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