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 76–90 results in Minnesota
- 1.50%APY$150 a year on $10,000
Requirements
Product: No minimum balance requirements, no withdrawal penalty, and no deposit minimums.
Offer: Dividends compound daily and are paid monthly. No monthly maintenance fees.
1.50% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.50%APY$150 a year on $10,000
1.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - United Valley BankValley Preferred SavingsSavings · $1,000 min · 1.50%–2.00% by balance
Bank · 6 branches
1.50%APY$150 a year on $10,000Requirements
Product: Limit of 6 preauthorized withdrawals per month. Interest compounded and credited monthly. Rates may vary. Fees could reduce earnings. Minimum initial deposit of $1,000.
Offer: Service charge of $10 per month if daily balance falls below $1,000 minimum.
1.49% interest rate · $10 monthly fee · Effective Jun 3, 2026
Rate by balance
Rate by balance for Valley Preferred Savings Balance APY Up to $25,000Your amount 1.50% $25,000 – $100,000 1.65% $100,000 – $500,000 1.80% $500,000 and up 2.00% Rate checked
More details - Harbor Pointe Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.50%–2.25% by balance
Credit union · 3 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500.00 required. Limited to six electronic debits/withdrawals to third parties per month. Withdrawals allowed in amounts of $250.00 or more as long as account does not drop below $2,500.00 minimum balance. Deposits allowed anytime in increments of $100.00 or more. No fees to open or maintain account. Funds insured up to $250,000 by NCUA.
Offer: Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates.
Qualified rate · No monthly fee · Effective Jul 25, 2025
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $100,000Your amount 1.50% $100,000 – $250,000 1.75% $250,000 and up 2.25% Rate checked
More details - Toro FCUMoney Market AccountMoney Market Account · $2,500 min · 1.25%–3.00% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: No monthly service fee on accounts over $2,500. Dividends are compounded and credited monthly.
Offer: Minimum balance for dividends is $2,500.
1.24% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 1.25% $10,000 and upYour amount 1.50% $25,000 and up 1.75% $50,000 and up 2.50% $100,000 and up 3.00% Rate checked
More details - Mayo Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.15%–2.30% by balance
Credit union · 6 branches
1.45%APY$145 a year on $10,000Requirements
Product: Minimum deposit to open is $2,500. Minimum balance required to earn stated rate is $2,500, otherwise the regular savings rate applies. Allows four withdrawals each month with a minimum withdrawal of $500. Dividends are compounded and paid quarterly. Rate may change after account is opened.
Offer: Rate may change after account is opened.
1.14% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.15% $10,000 – $20,000Your amount 1.45% $20,000 – $50,000 1.85% $50,000 – $100,000 2.00% $100,000 and up 2.30% Rate checked
More details - First National Bank BemidjiFirst Insured Money MarketFirst Insured Money Market · $100 min · 1.30%–1.61% by balance
Bank · 2 branches
1.38%APY$138 a year on $10,000Requirements
Product: Minimum deposit to open: $100; Minimum balance to avoid service charge: $1,000. Rate may change after account is opened.
1.30% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for First Insured Money Market Balance APY Up to $1,000 1.30% $1,000 – $10,000 1.36% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 1.56% $250,000 and up 1.61% Rate checked
More details - Lake Elmo BankMoney Market SavingsMoney Market Savings · $20 min · 0.26%–3.15% by balance
Bank · 3 branches
1.36%APY$136 a year on $10,000Requirements
Product: Minimum opening deposit: $20. Daily minimum balance: $1,000. Interest compounded monthly. Fees could reduce earnings. Rates may change after account is opened without notice. APY=Annual Percentage Yield; the actual rate of return you will earn on your account over one year.
Offer: Minimum opening deposit: $20. Daily minimum balance: $1,000. Interest compounded monthly. Fees could reduce earnings. Rates may change after account is opened without notice.
0.26% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.26% $1,000 – $50,000Your amount 1.36% $50,000 – $500,000 2.12% $500,000 – $1,000,000 2.63% $1,000,000 and up 3.15% Rate checked
More details - Ideal Credit UnionGoal Savings AccountSavings · $0 min · 0.05%–1.35% by balance
Credit union · 6 branches
1.35%APY$135 a year on $10,000Requirements
Product: No minimum balance required to start earning interest. No monthly fees.
Offer: Interest rates adjusted and paid monthly. If balance falls below $1,000, the account will earn 0.05% APY.
0.05% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Goal Savings Account Balance APY Up to $1,000 0.05% $1,000 and upYour amount 1.35% Rate checked
More details - Royal Credit UnionMoney MarketMoney Market · $0 min · 0.80%–3.00% by balance
Credit union · 8 branches
1.35%APY$135 a year on $10,000Requirements
Product: No minimum balance. No monthly maintenance fee. Membership required and account opening upon qualification.
Offer: Minimum balance of $.01 to earn APY. Rates may change after account is opened.
0.80% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 1.35% $25,000 – $50,000 1.65% $50,000 – $100,000 1.80% $100,000 – $250,000 2.00% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - 1.31%APY$131 a year on $10,000
Requirements
Product: Interest compounded daily and credited monthly. Service charge of $2.00 imposed if balance falls below the average daily balance for the month of $100.00.
Offer: Requires a minimum daily balance of $0.01 to obtain the disclosed APY. Daily balances up to $49,999.99. Service charge of $2.00 imposed if balance falls below the average daily balance of $100.00 for the month.
1.30% interest rate · Compounded daily · $2 monthly fee · Effective Jun 5, 2026
Rate by balance
Rate by balance for Preferred Savings Balance APY Up to $50,000Your amount 1.31% $50,000 and up 3.30% Rate checked
More details - North Star BankFive Star Money Market SavingsFive Star Money Market Savings · $5,000 min · 1.21%–1.41% by balance
Bank · 2 branches
1.31%APY$131 a year on $10,000Requirements
Product: Fees may reduce earnings.
Offer: Daily Balances up to $4,999.99; Fees may reduce earnings.
1.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Five Star Money Market Savings Balance APY Up to $5,000 1.21% $5,000 – $25,000Your amount 1.31% $25,000 – $10,000,000 1.41% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 14 branches
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% Rate checked
More details - First State Bank of BigforkSuper Money Market AccountSuper Money Market Account · $0 min · 0.75%–3.30% by balance
Bank · 2 branches
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 - Expedition Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.75%–2.02% by balance
Credit union · 3 branches
1.26%APY$126 a year on $10,000Requirements
Product: Rates are variable and may change monthly or at any time as determined by the Board of Directors. For tiered accounts, once a particular range is met, the interest rate and annual percentage yield for that balance range will apply to the full balance of your account. Membership required (par value of one share is $5.00).
Offer: Once a particular range is met, the rate applies to the full balance. Minimum opening deposit of $2,500.00. Minimum daily balance of $2,500.00 required to earn the APY and avoid a service fee. Compounded monthly, credited monthly.
Compounded monthly
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.51% $50,000 – $100,000 1.76% $100,000 and up 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 Minnesota
511 accounts at 189 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch