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 St. Cloud, MN metro
- 3.51%APY$351 a year on $10,000with conditions
Requirements
Product: Available to individuals who currently have a Kasasa Cash or Kasasa Cash Back checking account; requires Kasasa checking account to remain open. Requires $50 minimum deposit to open. Limit of 6 pre-authorized/automatic/third-party transactions per month.
Offer: Applies to balances up to $250,000 when linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 10 debit card purchases post and settle, enrolled in e-statements, log into online banking). Minimum balance to obtain APY is $0.01.
Qualified rate · 3.45% interest rate · Balance cap $250,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account and enrollment in eStatements. Qualifications per Monthly Qualification Cycle to earn higher rate: at least 15 debit card purchases, at least 1 direct deposit or ACH credit transaction, and enrolled in eStatements. If qualifications are not met, base rate applies. No monthly maintenance fee.
Offer: When monthly qualifications in linked Kasasa Cash or Kasasa Cash Back account are met.
Qualified rate · Balance cap $250,000 · No monthly fee · Effective Feb 20, 2025
Rate checked
More details - 2.99%APY$299 a year on $10,000intro rate
Requirements
Product: Open with as little as $50. Deposits contribute towards sustainable energy, affordable housing, and nonprofits. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
Offer: 12-month promotional APY of 2.99% and interest rate of 2.95% on new Impact market savings accounts opened between April 22, 2026, and December 31, 2026. A balance of $0.01 is needed to earn the APY. After 12 months, APY and interest rate return to standard tier rates.
Promotional rate · 2.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Linked Kasasa Cash or Kasasa Cash Back checking account required. Electronic statements and online banking enrollment required. Limit 1 account per SSN/ITIN.
Offer: Requires meeting Kasasa Cash or Kasasa Cash Back qualification requirements during monthly qualification cycle (at least 12 debit card purchases post and settle, agree to e-statements, log into online banking).
Qualified rate · 2.47% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 2.50% $100,000 and up 1.49% 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 - St. Cloud Financial Credit UnionDiamond Money MarketDiamond Money Market · $2,000 min · 2.15%–3.00% by balance
Credit union · 3 branches
2.15%APY$215 a year on $10,000with conditionsRequirements
Product: Requires Diamond Membership: must have an active Diamond Checking account AND a new or existing loan or SCFCU Credit Card. To maintain Diamond Checking, must have at least 15 SCFCU debit card transactions, or 15 SCFCU credit card transactions, or a combination of 15 transactions per qualification period, and elect electronic statements. Qualifications must be met monthly. Dividends credited and compounded monthly. All savings rates are variable.
Qualified rate · 2.13% interest rate · Compounded monthly
Rate by balance
Rate by balance for Diamond Money Market Balance APY $2,000 – $9,999 2.15% $10,000 – $24,999Your amount 2.15% $25,000 – $49,999 2.30% $50,000 – $99,999 2.50% $100,000 – $249,999 2.60% $250,000 and up 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
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 - BankVistaMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.04% by balance
Bank · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Avoid the $10 monthly service charge by maintaining a $1,000 average daily balance. Limit of 6 pre-authorized, automatic, telephone, check, draft, or debit transactions per month payable to third parties.
Offer: Avoid the $10 monthly service charge by maintaining a $1,000 average daily balance. Interest is compounded and paid monthly.
0.25% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.25% $1,000 – $10,000 0.45% $10,000 – $50,000Your amount 1.51% $50,000 – $100,000 2.27% $100,000 and up 3.04% 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
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 St. Cloud, MN metro
82 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.33%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.15%
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St. Cloud, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Magnifi FinancialCredit union · 12 branches
- Blaze Credit UnionCredit union · 1 branch
- TruStone FinancialCredit union · 1 branch