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 Grand Rapids, 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 · 1 branch
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% 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 - Blaze Credit UnionMoney MarketMoney Market · $2,500 min · 1.05%–3.30% by balance
Credit union · 1 branch
1.05%APY$105 a year on $10,000Requirements
Product: Tiered dividends paid monthly. Minimum balance of $2,500 required to open and to avoid monthly minimum balance fee.
Offer: Minimum opening deposit of $2,500 required; $2,500 minimum daily balance to avoid monthly fee; minimum balance to earn stated APY is $0.01; receive 2 free withdrawals per monthly statement cycle at non-proprietary ATMs.
1.05% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 1.05% $10,000 – $20,000Your amount 1.05% $20,000 – $50,000 1.05% $50,000 – $100,000 1.05% $100,000 – $250,000 1.65% $250,000 – $500,000 2.05% $500,000 – $1,000,000 2.80% $1,000,000 and up 3.30% 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 · 1 branch
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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. Qualification requires at least 10 debit card purchases post and settle, at least 1 ACH auto debit or credit / automatic payment post and settle, and enrollment in eStatements per Monthly Qualification Cycle. If not qualified for 6 consecutive months, may be converted to Woodland Easy account. Limit 1 account per SSN.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back checking are met.
Qualified rate · 0.99% interest rate · No monthly fee · Effective Jan 15, 2026
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 · 1 branch
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 - 0.45%APY$45 a year on $10,000
Requirements
Product: Tiered rates on average daily balances of $2,500 or more. $7 monthly service charge plus 10¢ per debit if balance falls below $1,000.00 on any given day in statement cycle. Limited to 10 transactions per month by Check, ACH Debit, Debit Card Transactions.
Offer: Average balance $2,500+. $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.
0.45% interest rate · $7 monthly fee
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: No monthly service charge. No minimum balance requirements. Limited to a total of 10 debits (checks, ACH debits, debit card transactions) per statement cycle. Online banking and internal FSB account transfers are not included in the 10 debit transaction limit.
Offer: Rate applies to entire balance.
0.30% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest compounded monthly based on daily balance. $4 monthly service charge waived with a $20,000 minimum balance.
Offer: $20,000 minimum balance to avoid $4 per month service charge.
0.25% interest rate · Compounded monthly · $4 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for MySavings + Balance APY Up to $20,000Your amount 0.25% $20,000 – $200,000 0.40% $200,000 and up 1.00% Rate checked
More details - Members Cooperative Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.20%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Membership required. Elevated savings for members with one or more products. Daily balances of $2,500 or more earn dividends/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.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 0.20% $10,000 – $49,999Your amount 0.25% $50,000 and up 0.45% 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
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 Grand Rapids, MN metro
42 accounts at 12 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.93%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Grand Rapids, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- North Star Credit UnionCredit union · 1 branch
- Blaze Credit UnionCredit union · 1 branch