Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Bemidji, MN metro
- 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 - 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 - TruStar Federal Credit UnionMoney Market CheckingMoney Market Checking · $0 min · 0.10%–3.25% by balance
Credit union · 1 branch
1.70%APY$170 a year on $10,000Requirements
Product: Average daily balance method is used to calculate dividends. Fees could reduce earnings. Rates and APYs are prospective rates the credit union anticipates paying for the applicable dividend period.
Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 1.70% $25,000 – $49,999 1.90% $50,000 – $99,999 2.25% $100,000 – $199,999 2.75% $200,000 and up 3.25% Rate checked
More details - 1.60%APY$160 a year on $10,000
Requirements
Product: No minimum opening balance. $20 minimum monthly automatic deposit required. Limit of one withdrawal or transfer out per month.
Offer: $20 minimum monthly automatic deposit required; limit of one withdrawal or transfer out per month.
Effective Oct 16, 2026
Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: LaunchPad Booster Share savings account.
Effective Jul 8, 2026
Rate checked
More details - First National Bank BemidjiFirst Insured Money MarketFirst Insured Money Market · $100 min · 1.30%–1.61% by balance
Bank · 2 branches
1.38%APY$138 a year on $10,000Requirements
Product: Minimum deposit to open: $100; Minimum balance to avoid service charge: $1,000. Rate may change after account is opened.
1.30% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for First Insured Money Market Balance APY Up to $1,000 1.30% $1,000 – $10,000 1.36% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 1.56% $250,000 and up 1.61% Rate checked
More details - First State Bank of BigforkSuper Money Market AccountSuper Money Market Account · $0 min · 0.75%–3.30% by balance
Bank · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Avoid loss of interest by maintaining a $1.00 minimum average balance. $7 monthly service charge plus 10¢ per debit if balance falls below $1,000 on any given day in statement cycle. Limited to 10 transactions per month by Check, ACH Debit, Debit Card Transactions.
Offer: Average balance $.01 - $4,999.99. $7 monthly service charge waived unless balance falls below $1,000 on any given day in the statement cycle (plus 10¢ per debit). APY will fluctuate with economic conditions.
0.75% interest rate · $7 monthly fee
Rate by balance
Rate by balance for Super Money Market Account Balance APY Up to $5,000 0.75% $5,000 – $20,000Your amount 1.26% $20,000 – $45,000 2.27% $45,000 and up 3.30% Rate checked
More details - TruStar Federal Credit UnionRegular SharesSavings · $0 min · 1.05%–1.50% by balance
Credit union · 1 branch
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 - Bank ForwardForward Money Market SavingsForward Money Market Savings · $5,000 min · 1.10%–2.00% by balance
Bank · 1 branch
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 - Security BankUSAUSA Money Market AccountUSA Money Market Account · $10,000 min · 0.90%–1.66% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered Money Market Deposit Account. Open with a minimum opening balance of $10,000 and maintain a minimum balance of $1,000 to avoid service charges. Monthly service charge is $10 if balance below $1,000. Interest compounded and credited monthly.
Offer: Monthly service charge of $10 if balance falls below $1,000.
0.90% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for USA Money Market Account Balance APY $1,000 – $10,000 0.90% $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.16% $100,000 – $200,000 1.31% $200,000 – $1,000,000,000 1.66% Rate checked
More details - Security BankUSAMoney Market Savings AccountMoney Market Savings Account · $1,000 min
Bank · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Traditional Money Market Deposit Account. Open with a $1,000 minimum opening balance and maintain $1,000 minimum balance to avoid service charges. Monthly service charge is $6 if balance below $1,000. Interest compounded and credited monthly.
Offer: Monthly service charge of $6 if balance falls below $1,000. Interest compounded and credited monthly.
0.90% interest rate · $6 monthly fee
Rate checked
More details - 0.71%APY$71 a year on $10,000
Requirements
Product: Rate may change after the account is opened. Minimum balance of $200 required to avoid a service charge. No minimum required to earn interest. Interest compounded monthly.
0.70% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Rate may change after the account is opened. Interest compounded semi-annually.
0.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.60%APY$60 a year on $10,000
0.60% interest rate · Effective Oct 5, 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 Bemidji, MN metro
31 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.50%
- Top 10% from
- 1.70%
- Banks, typical
- 0.48%
- Credit unions, typical
- 1.50%
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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