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 31–45 results in St. Cloud, MN metro
- 0.40%APY$40 a year on $10,000
Requirements
Product: Interest compounded quarterly. No minimum balance and no monthly service charges.
0.40% interest rate · Compounded quarterly · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Falcon National BankConsumer Premier MMAConsumer Premier MMA · $10,000 min · 0.38%–3.21% by balance
Bank · 3 branches
0.38%APY$38 a year on $10,000Requirements
Product: $10,000 daily balance requirement to avoid $25 monthly service fee. Variable interest rate compounded monthly. No fees on the first 6 debit/withdrawal transactions, $2.50 per transaction after 6.
Offer: $10,000 daily balance requirement to avoid $25 monthly service fee.
0.38% interest rate · Compounded monthly · $25 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Consumer Premier MMA Balance APY Up to $100,000Your amount 0.38% $100,000 – $500,000 1.38% $500,000 – $1,000,000 1.89% $1,000,000 – $2,500,000 2.21% $2,500,000 – $5,000,000 2.71% $5,000,000 and up 3.21% Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: Monthly service charge of $10 if minimum balance falls below $500.
Offer: $10 monthly fee if balance falls below $500.
0.35% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $500 – $25,000Your amount 0.35% $25,000 – $100,000 0.35% $100,000 – $250,000 0.50% $250,000 – $500,000 1.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.50% 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 - 0.30%APY$30 a year on $10,000
0.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market4Me Balance APY Up to $25,000Your amount 0.30% $25,000 – $100,000 1.00% $100,000 – $250,000 1.92% $250,000 and up 2.27% 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 - 0.25%APY$25 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: Base rate earned on all balances when Kasasa Cash or Kasasa Cash Back monthly qualifications are not met.
Qualified rate · 0.25% interest rate · No monthly fee · Effective Oct 1, 2026
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 - 0.20%APY$20 a year on $10,000
Requirements
Product: $3 monthly service charge waived with a $200 minimum daily balance.
Offer: $3 monthly service charge waived with a $200 minimum daily balance; variable rate.
0.15% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $4,999 0.15% $5,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.25% $50,000 – $99,999 0.30% $100,000 – $249,999 0.35% $250,000 and up 0.45% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Higher balances earn higher rates. No monthly service charge. Direct check writing access. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $25,000. Rates current as of 10/1/26 and may change after account opening.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Max Savings Balance APY Up to $25,000Your amount 0.15% $25,000 – $100,000 0.30% $100,000 – $225,000 0.50% $225,000 – $500,000 1.00% Over $500,000 1.51% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: $50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $100 is maintained or for ages 17 and under.
0.15% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Primary Savings (S1) requires a $5 minimum balance to open an account, and $100 minimum balance to earn a dividend (p78 states minimum $10 balance required). Credit union membership qualification required. Dividends are credited and compounded monthly. Rate is variable.
Offer: $5 minimum balance to open an account ($10 balance stated on p78), $100 minimum balance to earn a dividend. Rate is variable.
0.15% interest rate · Compounded monthly
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum balance or penalties. Can be used for overdraft protection on your Magnifi Financial checking account.
0.15% interest rate · Effective Nov 1, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minnesota and Wisconsin residents only. 12-month savings commitment with fees for early withdrawal. Limited to one WINcentive account per person; business and trust memberships are not eligible.
Offer: 12-month savings commitment. First early withdrawal fee is $10; second withdrawal fee is $25; third withdrawal closes account without fee. One no-penalty withdrawal permitted during anniversary month. Each $25 month-over-month balance increase earns an entry into cash prize drawings (max 4 entries/month, 12/quarter, 48/12-month period).
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: TruStone Financial membership required. Minimum deposit to open and maintain membership is the purchase of a $5 share in TruStone Financial. No monthly maintenance fee.
Offer: TruStone Financial membership required. Dividends are compounded monthly and credited to account on every monthly statement or at the end of the calendar quarter.
0.10% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 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 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