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 Winona, MN metro
- 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: Not available to open online; must be opened in person and funded with new money (funds not already on deposit at Altra). One account per member; personal accounts only (not available to Guardianship, Rep Payee, or UTMA accounts). No minimum deposit or minimum balance required. Additional deposits in-person only, up to $250,000 maximum. Earns posted APY on balances up to $250,000; amounts over $250,000 deposited to regular savings. Dividends paid monthly. Limited time offer.
Promotional rate · 3.69% interest rate · Balance cap $250,000 · Effective Jul 1, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: One Superior Money Market per membership. Membership required. Direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and enrollment in digital statements required to earn higher dividend rate; otherwise receives 0.100% APY. No minimum balance and no minimum balance fee.
Offer: Requirements met (monthly direct deposit of $500+ and digital statements). Compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required. $10,000 minimum balance to earn dividends. Subject to a $20 minimum balance fee if the balance falls below $10,000.
Offer: Compounded monthly. $20 fee applies if balance falls below $10,000.
2.47% interest rate · Compounded monthly · $20 monthly fee · Effective Sep 3, 2025
Rate checked
More details - Affinity PlusCapitol Money Market AccountCapitol Money Market Account · $2,000 min · 2.25%–2.35% by balance
Credit union · 2 branches
2.35%APY$235 a year on $10,000Requirements
Product: Membership required. $2,000 minimum balance to earn dividends. Not subject to a monthly minimum balance fee.
Offer: Compounded monthly.
2.23% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate by balance
Rate by balance for Capitol Money Market Account Balance APY $2,000 – $4,999 2.25% $5,000 and upYour amount 2.35% Rate checked
More details - Minnesota FirstPremium High Yield Savings AccountSavings · $5,000 min · 2.10%–2.75% by balance
Bank · 1 branch
2.10%APY$210 a year on $10,000Requirements
Product: Must deposit and maintain minimum daily balance of $5,000.
No monthly fee · Effective Oct 1, 2023
Rate by balance
Rate by balance for Premium High Yield Savings Account Balance APY $5,000 – $35,000Your amount 2.10% $35,000 – $70,000 2.40% $70,000 – $100,000 2.50% $100,000 and up 2.75% Rate checked
More details - Altra Federal Credit UnionBest Life Advantage Tiered SavingsSavings · $0 min · 1.90%–2.40% by balance
Credit union · 1 branch
1.90%APY$190 a year on $10,000intro rateRequirements
Product: Annual Percentage Yield (APY) based on average daily balance. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Limited time offer.
Promotional rate · 1.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Best Life Advantage Tiered Savings Balance APY Up to $14,999Your amount 1.90% $15,000 – $49,999 2.00% $50,000 – $74,999 2.10% $75,000 – $99,999 2.20% $100,000 – $149,999 2.30% $150,000 and up 2.40% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must link to a free Kasasa Cash or Kasasa Cash Back checking account to open and receive automatic transfer of checking cash rewards/earnings. Limit 1 account per SSN.
Offer: Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualification cycle requirements (e.g. eStatements, online banking logons, direct deposit/ACH or required debit card transactions).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 24, 2026
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 1.00% Over $50,000 0.50%* Rate checked
More details - Peoples State BankPeoples Preferred SavingsSavings · $1,000 min · 0.00%–3.51% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Tiered interest rates. Interest calculated daily and paid monthly. 6 free withdrawals per month.
0.00% interest rate · No monthly fee · Effective Sep 24, 2026
Rate by balance
Rate by balance for Peoples Preferred Savings Balance APY Up to $1,000 0.00% $1,000 – $7,500 0.50% $7,500 – $50,000Your amount 0.90% $50,000 – $100,000 1.21% $100,000 – $200,000 1.51% $200,000 – $500,000 1.76% $500,000 – $1,000,000 2.32% $1,000,000 – $5,000,000 3.20% $5,000,000 and up 3.51% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $10 monthly fee if average balance falls below $2,500. $200 minimum deposit to open. Overdraft protection and remote deposit available for qualified applicants.
Offer: $10 monthly fee if average balance falls below $2,500. If daily balance is less than $10,000.00, the minimum balance to obtain the APY is $0.01.
0.50% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 and up 1.51% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: Interest calculated daily and credited each statement cycle. 6 free withdrawals per month or 18 free withdrawals per quarter; $1 fee per withdrawal in excess thereafter (unlimited via ATM or online banking transfers).
Offer: Ways to avoid $5 monthly fee: Maintain a $100 average daily balance, or consolidate checking and savings accounts to one monthly statement.
0.65% interest rate · $5 monthly fee · Effective Sep 24, 2026
Rate checked
More details - Merchants BankDiamond Money MarketDiamond Money Market · $5,000 min · 0.25%–3.20% by balance
Bank · 4 branches
0.55%APY$55 a year on $10,000Requirements
Product: $5,000 minimum daily balance required to avoid $10 monthly fee. 6 withdrawals allowed per month ($10 fee per withdrawal over 6).
$10 monthly fee · Effective Apr 16, 2026
Rate by balance
Rate by balance for Diamond Money Market Balance APY Up to $5,000 0.25% $5,000 – $25,000Your amount 0.55% $25,000 – $50,000 1.00% $50,000 – $100,000 1.30% $100,000 – $200,000 2.00% $200,000 – $1,000,000 2.25% Over $1,000,000 3.20% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available to MN, WI, IL, & TX residents only. Personal and UTMA accounts only; joint account holder age 18 or over required on minor accounts. One account per primary account holder per participating credit union. $25 minimum opening deposit and $25 minimum balance required. Earn prize-drawing entries for every $25 increase (up to 6 entries per month) for 12-month savings period.
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Must deposit and maintain minimum daily balance of $200. Minimum withdrawal is $25.00.
No monthly fee · Effective Jun 1, 2022
Rate by balance
Rate by balance for Regular Savings Balance APY $200 – $1,000 0.15% $1,000 – $2,500 0.20% $2,500 – $25,000Your amount 0.35% $25,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly fee of $8 applies if minimum daily balance of $1,000 is not maintained. 12 withdrawals allowed per quarter ($2 per withdrawal over 12).
Offer: Minimum opening deposit of $1,000. $8 quarterly fee if $1,000 daily balance is not maintained.
Effective Apr 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: $5 monthly fee if average balance falls below $50; minimum balance to obtain APY is $0.01
0.20% interest rate · $5 monthly fee · Effective Oct 14, 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 Winona, MN metro
32 accounts at 9 banks and credit unions · checked Oct 5–22
- Typical
- 0.17%
- Top 10% from
- 2.33%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.10%
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Winona, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch