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 16–30 results in Duluth, MN-WI metro
- 1.06%APY$106 a year on $10,000
Requirements
Product: Minimum balance of $500 to earn interest and avoid service fees. No service charge if minimum balance of $500 is maintained. Interest earned each day balance is $500 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.
Offer: $10 service fee if minimum balance is not maintained. Variable rate. Paid monthly.
1.05% interest rate · Compounded monthly · $10 monthly fee
Rate checked
More details - NorthRidge Community Credit UnionMoney MarketMoney Market · $1,500 min · 0.50%–2.02% by balance
Credit union · 5 branches
1.01%APY$101 a year on $10,000Requirements
Product: Membership eligibility requires living, working, worshipping, or attending school in Itasca, Lake, or St. Louis County, MN, or being an eligible relative/spouse.
Offer: Minimum balance to earn interest: $1,500.00. Minimum withdrawal of $100.00. $15 fee after 6 withdrawals per month. $10 fee if balance falls below minimum.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $7,500 0.50%* $7,500 – $50,000Your amount 1.01%* $50,000 – $100,000 1.51%* $100,000 and up 2.02%* Rate checked
More details - CentricityCUMoney Market AccountMoney Market Account · $0 min · 0.05%–2.00% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: No monthly service fee. Limited to six withdrawals per month.
Offer: Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure.
0.05% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.70% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.25% $50,000 – $100,000 1.50% $100,000 and up 2.00% Rate checked
More details - Superior Choice Credit UnionPremier Money Market AccountsPremier Money Market Accounts · $2,500 min · 0.50%–2.50% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Membership eligibility required. $2,500.00 minimum opening requirement. If the balance falls below the $2,500.00 minimum balance requirement, a $10.00 monthly maintenance fee will be imposed. Rates may change at anytime after account opening. Fees may reduce earnings on the account.
Offer: If balance falls below $2,500.00, a $10.00 monthly maintenance fee applies.
$10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Accounts Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 2.00% $250,000 and up 2.50% Rate checked
More details - Northern Communities Credit Union (NCCYou)Money Market AccountMoney Market Account · $2,500 min · 0.50%–2.25% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St. Louis County, MN, or is a relative of a member. A $5 opening deposit in a Regular Share Savings account establishes membership. Minimum balance to begin earning dividends is $2,500; if balance falls below $2,500, dividends stop accruing. Dividends are compounded daily and credited monthly. Transactions cannot be made at ATMs.
Offer: Minimum balance to begin earning dividends is $2,500.
Compounded daily · Effective Aug 31, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.25% $50,000 – $99,999 1.75% $100,000 – $199,999 2.00% $200,000 and up 2.25% Rate checked
More details - Highland BankPremier Money Market SavingsPremier Money Market Savings · $1,000 min · 0.70%–1.66% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Interest compounded and credited monthly. Average daily balance method used to calculate interest. $15 monthly service charge applies if minimum daily balance is not maintained ($10,000 in account details, $1,000 in comparison table).
Offer: Monthly fee waived with qualifying minimum daily balance.
0.70% interest rate · $15 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY Up to $10,000 0.70% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.95% $50,000 – $100,000 1.06% $100,000 – $250,000 1.31% $250,000 – $1,000,000 1.46% $1,000,000 – $2,500,000 1.56% $2,500,000 – $5,000,000 1.61% $5,000,000 and up 1.66% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - First National Bank of Moose LakeInvestors Money Market SavingsInvestors Money Market Savings · $10,000 min · 0.75%–1.20% by balance
Bank · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: No fee for the month if balance is above $1,000; features unlimited withdrawals.
Offer: Rate may change after account is opened. Fees may reduce earnings.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investors Money Market Savings Balance APY Up to $9,999 0.75% $10,000 – $24,999Your amount 0.80% $25,000 – $49,999 0.85% $50,000 – $99,999 0.95% $100,000 and up 1.20% Rate checked
More details - Highland BankMoney Market SavingsMoney Market Savings · $1,000 min · 0.50%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Interest compounded and credited monthly. Average daily balance method used to calculate interest. $10 monthly service charge applies if minimum daily balance of $1,000 is not maintained.
Offer: $10 monthly service charge waived with $1,000 minimum daily balance.
0.50% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.50% $1,000 and upYour amount 0.75% Rate checked
More details - Members Cooperative Credit UnionBoosted Savings (MembersPlus Money Market)Boosted Savings (MembersPlus Money Market) · $2,500 min · 0.75%–2.00% by balance
Credit union · 5 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Boosted Savings accounts require at least two products from Members, one of which is an active checking account (a checking account with a minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Also known as MembersPlus Money Market accounts. Daily balances of $2,500 or more earn interest; daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Fees may reduce earnings.
Offer: Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Boosted Savings (MembersPlus Money Market) Balance APY $2,500 – $99,999Your amount 0.75% $100,000 – $249,999 1.00% $250,000 – $999,999 1.75% $1,000,000 and up 2.00% Rate checked
More details - Wings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.10%–1.60% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Membership required. Insured by NCUA. Minimum actual balance required to open is $2,500. Pay no monthly fees or minimum balance fee.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.80% $50,000 – $100,000 1.00% $100,000 – $250,000 1.30% $250,000 and up 1.60% Rate checked
More details - North Shore Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.76% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Compounded/Paid Monthly
Offer: Compounded/Paid Monthly
0.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.70% $50,000 – $100,000 1.26% $100,000 – $200,000 1.51% Over $200,000 1.76% Rate checked
More details - National Bank of CommerceFalls Savings AccountSavings · $5 min · 0.50%–4.00% by balance
Bank · 9 branches
0.50%APY$50 a year on $10,000intro rateRequirements
Product: Available to personal customers who open an account at the International Falls, MN office through December 31, 2026. Limit of one promotional account per primary accountholder.
Offer: Tier applies to daily balances up to $10,000.
Promotional rate · 3.92% interest rate · Effective Jun 29, 2026
Rate by balance
Rate by balance for Falls Savings Account Balance APY Up to $10,000 4.00% $10,000 and upYour amountBlended APY ranges from 1.36% to 4.00% depending on the account balance. 0.50%* Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Northwoods Credit UnionMoney MarketMoney Market · $10 min · 0.05%–0.45% by balance
Credit union · 4 branches
0.30%APY$30 a year on $10,0000.05% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.05% $2,500 – $24,999Your amount 0.30% $25,000 – $49,999 0.35% $50,000 – $99,999 0.40% $100,000 and up 0.45% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Duluth, MN-WI metro
90 accounts at 28 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Duluth, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harbor Pointe Credit UnionCredit union · 3 branches
- Northwoods Credit UnionCredit union · 4 branches
- North Star Credit UnionCredit union · 4 branches