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. Paul, MN
- 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 - 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 - 0.76%APY$76 a year on $10,000
Requirements
Product: Prize-linked savings account. For every $25 increase in account balance, earn an entry into monthly, quarterly, and annual prize drawings (max 4 entries per month). Kids can participate with parent/guardian permission.
Offer: For every $25 increase in balance, earn an entry into monthly, quarterly, and annual prize drawings (maximum 4 entries per month). Stated as 0.75% base rate (0.76% APY / 0.75% APR in promotional text).
0.75% interest rate
Rate checked
More details - Farm Credit Employees Federal Credit UnionSavingsSavings · $5 min · 0.10%–1.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Offer: Effective Date: 10/11/2026
0.10% interest rate · Effective Oct 11, 2026
Rate by balance
Rate by balance for Savings Balance APY Up to $5,000 0.10% $5,001 – $100,000Your amount 0.75% $100,001 and up 1.00% 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 - 0.65%APY$65 a year on $10,000
Requirements
Product: Requires a $100 opening balance. $10 monthly fee if the $1,000 minimum daily balance is not met. 5 free withdrawals per month, then $1.00 per withdrawal.
Offer: Minimum balance to obtain APY is $1,000.00. $10 monthly fee waived if $1,000 minimum daily balance is met.
0.50% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Preferred Savings Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.65% $25,000 and up 0.75% 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 - TopLine Financial Credit UnionTopLine Money MarketTopLine Money Market · $0 min · 0.35%–1.10% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Maintain minimum balance of $1,000 to earn dividends; balances below the minimum required will not earn dividends and may incur a monthly fee. Free checks available upon request (up to 3 checks written per month).
Offer: Minimum balance of $0.01 is required to earn disclosed APY. Balances below minimum required will not earn dividends and may incur a monthly fee.
0.35% interest rate
Rate by balance
Rate by balance for TopLine Money Market Balance APY Up to $9,999 0.35% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.65% $50,000 – $99,999 0.75% $100,000 and up 1.10% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Platinum Choice enhanced rate tier. Requires meeting and maintaining Platinum Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 0.50% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Restricted prize-linked savings account promoting a minimum 12-month savings period. Each $25 increase in month-over-month balance earns prize drawing entries (up to 4 entries/month). Maximum of 2 withdrawals permitted per 12-month period ($10 penalty for 1st withdrawal, $25 penalty for 2nd withdrawal; 3rd withdrawal results in account closure). Automatically renews at end of 12 months with a 30-day penalty-free rollover window. Minimum $1.00 daily balance required to receive dividend.
0.50% interest rate · Effective May 19, 2026
Rate checked
More details - City & County Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.10%–0.65% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum balance of $2,500 required; a fee is charged if balance drops below $2,500.
Offer: A fee is charged if you drop below the $2,500 minimum balance.
0.10% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.10% $2,500 – $24,999Your amount 0.40% $25,000 – $49,999 0.45% $50,000 – $99,999 0.55% $100,000 and up 0.65% Rate checked
More details - 0.36%APY$36 a year on $10,000
0.35% interest rate
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 - 0.25%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
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. Paul, MN
77 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.16%
- Top 10% from
- 2.12%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.21%
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches