Best Banks & Checking Accounts in Duluth, Minnesota - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Duluth, Minnesota include Baxter Credit UnionBaxter Credit Union4316 Rice Lake Rd, Duluth, MN 55811A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, North Shore Bank of CommerceNorth Shore Bank of Commerce131 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.16% Hero Checking at 4.50% APY, Bell BankBell Bank201 E Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.41% America's Best Premier Interest Checking* at 0.10% APY, Minnesota Power Employees Credit UnionMinnesota Power Employees Credit Union30 W Superior St Ste 126, Duluth, MN 55802 2191A+5.0 ★Texas Ratio: 2.03% Share Draft Checking at 0.05% APY, and North Star Credit UnionNorth Star Credit Union4918 Grand Ave, Duluth, MN 55807A+5.0 ★Texas Ratio: 2.18% Personal Checking Account at 0.05% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.
Duluth has 7 local institutions in our database, with checking rates as high as 8.00% APY from Baxter Credit Union at 4316 Rice Lake Rd, Duluth, MN, 55811. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Duluth, Minnesota. Checking Account Rates Last Updated and Verified: May 5, 2026
Compare Checking Account Rates Today in Duluth, Minnesota & the Surrounding Area
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55811
No additional details provided.
Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802
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Duluth, MN 55802 2191
No additional details provided.
Duluth, MN 55807
Must retain balance over $200 to bear interest.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802 2191
No additional details provided.
Qualifications Required; Qualifying balance up to $7,500.00
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Qualifications Required; Qualifying balance up to $7,500.00
Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Promotional rate for new accounts.
Qualifying balance up to $20,000
No additional details provided.
Qualifying balance up to $15,000.00
Qualifying balance up to $20,000.00
Qualifications Required; Qualifying balance up to $15,000.00
No additional details provided.
Qualifying balance up to $100,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $3,000,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 4 Criteria Met; On average daily Loyalty Choice Rewards balance; 4 Criteria Met
No additional details provided.
Qualifications Required: 3 Criteria Met; On average daily Loyalty Choice Rewards balance; 3 Criteria Met
Qualifications Required: 2 Criteria Met; On average daily Loyalty Choice Rewards balance; 2 Criteria Met
If 1-4 qualifying criteria are met.
Qualifications Required
No additional details provided.
dividend with average daily balance of $500 or more
Minimum balance to open $20. No minimum balance to maintain. The average balance to earn dividends for the month is $1000.
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Qualifying balance up to $5,000
No additional details provided.
Duluth, MN 55811
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802 2191
No additional details provided.
Qualifying balance up to $499.99
No additional details provided.
No additional details provided.
No additional details provided.
Qualifying balance up to $149,999.99
No additional details provided.
Qualifying balance up to $24,999.99
No additional details provided.
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
No additional details provided.
Qualifying balance up to $49,999.00
No additional details provided.
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
No additional details provided.
No additional details provided.
Duluth, MN Checking Rate Trends
Compare local Duluth, MN checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Minnesota high-yield checking rates fell 0.512 points over the past 7 days to 1.077% APY.
Minnesota free checking rates rose 0.070 points over the past 7 days to 1.037% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Duluth, Minnesota directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Duluth, Minnesota. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MN.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Duluth, Minnesota earn interest?
Are banks in Duluth, Minnesota FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Duluth, Minnesota
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - North Shore Bank of Commerce
Hero Checking — 4.50% APY - Bell Bank
America's Best Premier Interest Checking* — 0.10% APY - Minnesota Power Employees Credit Union
Share Draft Checking — 0.05% APY - North Star Credit Union
Personal Checking Account — 0.05% APY
