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 St. Cloud, MN metro
- 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 - St. Cloud Financial Credit UnionMoney Market Insured Investment AccountMoney Market Insured Investment Account · $2,000 min · 1.15%–2.00% by balance
Credit union · 3 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 - Harvest BankPrime Time Money MarketPrime Time Money Market · $5,000 min · 1.05%–2.60% by balance
Bank · 2 branches
1.05%APY$105 a year on $10,000Requirements
Product: Variable rate account; rate may change after opening. Fees may reduce earnings. Tiered rates based on balance.
1.04% interest rate · No monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Prime Time Money Market Balance APY $5,000 – $50,000Your amount 1.05% $50,000 – $100,000 1.65% $100,000 – $250,000 2.05% $250,000 – $1,000,000 2.60% 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 - 1.01%APY$101 a year on $10,000
Requirements
Product: Standard savings account. $200 minimum deposit to open ($50 to open for clients under age 19). Monthly service charge of $3 waived by maintaining a $200 average daily balance or for clients under age 19. Limit of 6 pre-authorized/automatic/third-party transactions per month.
Offer: Compounded and paid monthly. Minimum balance to obtain APY is $200. $3 monthly service charge waived with $200 average daily balance or if under age 19 ($50 minimum opening deposit for under 19).
1.00% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - TruStone FinancialMoney MarketMoney Market · $2,500 min · 0.10%–3.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: TruStone Financial membership required.
Offer: $10 monthly maintenance fee if balance is less than $2,500.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.80% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 – $250,000 3.00% $250,000 and up 3.00% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Rate is variable and subject to change after account opening. $10 monthly service charge waived with a $2,000 minimum daily balance. Six free transactions per monthly statement cycle ($10 per additional transaction).
Offer: $10 monthly service charge waived with a $2,000 minimum daily balance.
0.50% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.50% $10,000 – $99,999Your amount 1.00% $100,000 – $499,999 1.46% $500,000 – $999,999 1.76% $1,000,000 – $9,999,999 2.53% $10,000,000 and up 2.53% Rate checked
More details - Perennial BankMoney Market Savings AccountMoney Market Savings Account · $0 min · 0.90%–2.02% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Interest compounded monthly. $2,500 minimum daily balance to avoid service charges. $10 per month service charge if balance falls below minimum.
Offer: Balance tier: Less than $25,000. $2,500 minimum daily balance required to avoid $10 monthly fee.
0.90% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $25,000Your amount 0.90% $25,000 – $50,000 1.26% $50,000 and up 2.02% Rate checked
More details - 0.90%APY$90 a year on $10,000
Requirements
Product: Avoid the $4 monthly maintenance fee by maintaining a $50 average daily balance ($1 monthly fee by maintaining a $25 average daily balance for minors). 3 free withdrawals per month (5 for minors), then $1 fee per excess withdrawal.
Offer: $100 minimum deposit to open ($25 for minors). Monthly maintenance fee waived with $50 average daily balance ($25 for minors).
0.45% interest rate · $4 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Investors Savings Account Balance APY Up to $5,000 0.45% $5,000 – $50,000Your amount 0.90% $50,000 and up 1.25% Rate checked
More details - 0.85%APY$85 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: Rate applies if balance is less than or equal to $99,999.99.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Impact Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - Stearns BankAbove the Norm Personal Market SavingsSavings · $50 min · 0.85%–2.99% by balance
Bank · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: Open a savings account with as little as $50. Rates are accurate as of 10/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.
Offer: A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Above the Norm Personal Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% 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 - Bonanza Valley State BankMoney MarketMoney Market · $1,000 min · 0.80%–2.10% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000Requirements
Product: These rates may change after account opening. Fees may reduce earnings. $1,000.00 Minimum Balance.
0.80% interest rate · Effective Dec 24, 2025
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $25,000Your amount 0.80% $25,000 – $50,000 0.90% $50,000 – $100,000 0.95% $100,000 – $250,000 1.00% $250,000 and up 2.10% Rate checked
More details - Magnifi FinancialMoney MarketMoney Market · $2,500 min · 0.50%–1.15% by balance
Credit union · 12 branches
0.55%APY$55 a year on $10,000Requirements
Product: Opening deposit of $2,500.00 is required to open an account; that balance does not need to be maintained. No monthly fees or penalties. Can be used for overdraft protection on Magnifi Financial checking account.
Offer: Dividends compound monthly. Rates subject to change without notice.
0.50% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.50% $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.65% $50,000 – $99,999 0.85% $100,000 – $149,999 0.95% $150,000 and up 1.15% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Debit card purchases are automatically rounded up to the next whole dollar amount and transferred from checking. Must enroll in Digital Services and eStatements to earn a higher dividend rate. No monthly fees or penalties. Withdraw funds at anytime without losing dividends. Can be used for overdraft protection.
Offer: Must enroll in Digital Services and eStatements to earn a higher dividend rate.
0.45% interest rate · No monthly fee · Effective Nov 1, 2025
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