Best Banks & Checking Accounts in Saint Paul, Minnesota - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best checking rates for Saint Paul, Minnesota include Baxter Credit UnionBaxter Credit Union4201 Lexington Ave N, Saint Paul, MN 55126 6164A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Associated Healthcare Credit UnionAssociated Healthcare Credit Union360 Sherman St, Saint Paul, MN 55102A+5.0 ★Texas Ratio: 2.30% Dividend Checking at 5.00% APY, Highland BankHighland Bank2100 Ford Pkwy, Saint Paul, MN 55116A+5.0 ★Texas Ratio: 1.01% Kasasa Cash Checking at 5.00% APY, TruStone Financial Credit UnionTruStone Financial Credit Union757 Cleveland Ave S, Saint Paul, MN 55116A+5.0 ★Texas Ratio: 5.44% Booster Club Checking at 1.00% APY, and Drake BankDrake Bank60 Plato Blvd E, Saint Paul, MN 55107A+5.0 ★Texas Ratio: 2.27% Civic Checking at 0.50% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.
Saint Paul has 10 local institutions in our database, with checking rates as high as 8.00% APY from Baxter Credit Union at 4201 Lexington Ave N, Saint Paul, MN, 55126 6164. 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 Saint Paul, Minnesota. Checking Account Rates Last Updated and Verified: May 12, 2026
Compare Checking Account Rates Today in Saint Paul, Minnesota & the Surrounding Area
Saint Paul, MN 55126 6164
Qualifying balance up to $15000
Saint Paul, MN 55102
Qualifying balance up to $5,000.00
Saint Paul, MN 55116
Qualifying balance up to $10,000.00
Saint Paul, MN 55126 6164
Qualifying balance up to $15000
Saint Paul, MN 55116
No additional details provided.
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55116
$250,000 +
Saint Paul, MN 55126 6164
No additional details provided.
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55116
$100,000-$249,999
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55116
$50,000-$99,999.99
Saint Paul, MN 55116
No additional details provided.
Saint Paul, MN 55116
under $50,000
Saint Paul, MN 55116
No additional details provided.
Saint Paul, MN 55101 4958
No additional details provided.
Saint Paul, MN 55126 6164
Qualifying balance up to $15000
Saint Paul, MN 55102
Qualifying balance up to $5,000.00
Saint Paul, MN 55116
Qualifying balance up to $10,000.00
Saint Paul, MN 55126 6164
Qualifying balance up to $15000
Saint Paul, MN 55116
No additional details provided.
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55107
No additional details provided.
Saint Paul, MN 55116
No additional details provided.
Saint Paul, MN 55106 5845
No additional details provided.
Qualifications Required; Qualifying balance up to $7,500.00
No additional details provided.
Qualifying balance up to $20,000.00
Qualifying balance up to $25,000.00
No additional details provided.
No additional details provided.
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 $19,999.99
Qualifying balance up to $100,000.00
Saint Paul, MN 55116
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
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $10,000.00
No additional details provided.
Saint Paul, MN 55106 5845
No additional details provided.
dividend with average daily balance of $500 or more
No additional details provided.
1
No additional details provided.
Qualifying balance up to $2,499.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Qualifying balance up to $5,000
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55126 6164
No additional details provided.
Saint Paul, MN 55116
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Saint Paul, MN 55103
No additional details provided.
Saint Paul, MN 55116
First 20 paper checks transacted are free, $0.25 each thereafter
Saint Paul, MN 55116
$5 if average daily balance is less than $500; First 100 paper/digital transactions are free, $0.20 each thereafter
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.
No additional details provided.
Qualifying balance up to $49,999.00
No additional details provided.
No additional details provided.
No additional details provided.
Saint Paul, MN Checking Rate Trends
Compare local Saint Paul, 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 rose 1.312 points over the past 7 days to 2.389% APY.
Minnesota free checking rates fell 0.193 points over the past 7 days to 0.867% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Saint Paul, 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 Saint Paul, 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 Saint Paul, Minnesota earn interest?
Are banks in Saint Paul, Minnesota FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Saint Paul, Minnesota
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Associated Healthcare Credit Union
Dividend Checking — 5.00% APY - Highland Bank
Kasasa Cash Checking — 5.00% APY - TruStone Financial Credit Union
Booster Club Checking — 1.00% APY - Drake Bank
Civic Checking — 0.50% APY
