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 Willmar, MN metro
- 3.40%APY$340 a year on $10,000with conditions
Requirements
Product: Must open a CD with a term of 6 months or longer and an opening deposit/balance greater than or equal to the Companion Savings opening deposit. Savings withdrawals in-person only.
Offer: Rate is variable and can change at anytime. Must open a CD with a term of 6 months or longer with initial balance greater than or equal to the opening balance of the Companion Savings. Withdrawals in-person only.
Qualified rate · Effective Sep 30, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Prize-linked savings account offering prize drawing entries for each $25 increase in savings balance (up to 4 entries per month).
2.72% interest rate · Effective Oct 1, 2026
Rate checked
More details - Co-op Credit UnionMembers Money Savings AccountSavings · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: Tiered interest rates. Minimum deposit of $1,000.00. Must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage rate. Interest is calculated and paid monthly on the average daily balance, and is compounded. Limit of 6 transactions (deposits or withdrawals) per month, of which only 3 can be withdrawals.
Offer: Must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage rate. Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals).
2.72% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Members Money Savings Account Balance APY $100 – $25,000Your amount 2.75% $25,000 – $50,000 3.00% $50,000 and up 3.75% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Required account to establish membership. Dividends compounded and paid quarterly using the average daily balance method when average daily balance is $10.00 or greater.
Offer: Dividends compounded and paid quarterly using average daily balance method; quarterly dividends paid when average daily balance is $10.00 or greater.
2.72% 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 - 2.00%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 - 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 - 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 - Magnifi FinancialMoney MarketMoney Market · $2,500 min · 0.50%–1.15% by balance
Credit union · 1 branch
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 - 0.51%APY$51 a year on $10,000
Requirements
Offer: Interest compounds monthly. ICS feature may be used to sweep balances to other banks.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Jumbo Deposit Account Balance APY Up to $100,000Your amount 0.51% $100,000 – $230,000 1.53% $230,000 and up 2.77% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash® or Kasasa Cash Back® checking account. Limit of one account per Social Security Number.
Offer: Earn 0.50% APY on balances up to $50,000 when monthly qualifications in linked Kasasa checking account are met (at least 1 direct deposit/ACH credit/ACH payment, at least 12 debit card purchases, enrolled in eStatements).
Qualified rate · Balance cap $50,000 · No monthly fee
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 - 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 - 0.14%APY$14 a year on $10,000with conditions
Requirements
Product: All-electronic personal account for Digital Banking customers. Compounded monthly based on daily available balance. Requires linked US checking account. $1,000 minimum balance required to earn APY. $17 monthly fee if daily collected/ledger balance falls below $1,000. 6 free withdrawals per month, then $3 each. eStatements required (fee of $4/month if enrolled in paper statements).
Offer: Must maintain daily collected/available balance of $1,000. $17 monthly fee if daily balance falls below $1,000. $4 monthly fee if paper statements sent.
Qualified rate · Compounded monthly · $17 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 Willmar, MN metro
26 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.30%
- Top 10% from
- 2.75%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.55%
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Willmar, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Co-op Credit UnionCredit union · 1 branch
- Magnifi FinancialCredit union · 1 branch