Best Money Market Rates in Cold Spring, Minnesota (MN) - March 2026
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Cold Spring, Minnesota and the surrounding area money market rates include UMB BankUMB Bank9800 Bren Rd E, Minnetonka, MN 55343A+5.0 ★Texas Ratio: 0.71% UMB Retail Money Market at 3.71% APY, The Huntington National BankThe Huntington National Bank325 S Broad St, Mankato, MN 56001A+5.0 ★Texas Ratio: 4.60% Relationship Money Market Account at 3.66% APY, Security State Bank of MarineSecurity State Bank of Marine120 Judd St, Marine On St Croix, MN 55047A+5.0 ★Texas Ratio: 0.11% Money Market Platinum at 3.56% APY, North Shore Bank of CommerceNorth Shore Bank of Commerce131 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.16% Preferred Investment Max | Money Market at 3.50% APY, and TruStone Financial Credit UnionTruStone Financial Credit Union14601 27th Ave N, Plymouth, MN 55447A+5.0 ★Texas Ratio: 5.44% Business High-Yield Money Market at 3.50% APY.
To see how these money market rates in Cold Spring, Minnesota and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Cold Spring, Minnesota (MN) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Cold Spring, Minnesota and surrounding area. Last Updated and Verified: March 20, 2026
Cold Spring, MN Money Market Rate Trends
Compare local Cold Spring, MN MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — MN Avg
1.777%
▲ 1.094 from last week
Minnesota high-yield MMA rates rose 1.094 points this week to 1.777% APY, up from 0.683% last week.
Standard MMA — MN Avg
1.508%
▲ 0.739 from last week
Minnesota standard MMA rates rose 0.739 points this week to 1.508% APY, up from 0.768% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in Cold Spring, Minnesota & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UMB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
9800 Bren Rd E, Minnetonka, MN 55343
UMB Retail Money Market
3.71%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
325 S Broad St, Mankato, MN 56001
Relationship Money Market Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Private Client Account****
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
120 Judd St, Marine On St Croix, MN 55047
Money Market Platinum
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
325 S Broad St, Mankato, MN 56001
Relationship Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Platinum Perks Checking***
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
325 S Broad St, Mankato, MN 56001
Relationship Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Perks Checking**
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$15,000+
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Business High-Yield Money Market
3.50%
$5
▼
Rate3.45%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
$5,000,000 And Greater
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
131 W Superior St, Duluth, MN 55802
Preferred Investment Max | Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
325 S Broad St, Mankato, MN 56001
Relationship Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Non-Relationship Rate
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
Superior Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $25,000.00
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Business High-Yield Money Market
3.25%
$5
▼
Rate3.20%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
$3,000,000 - $4,999,999.99
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
663 University Ave W, Saint Paul, MN 55104
Personal Money Market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details
New deposits only
American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
663 University Ave W, Saint Paul, MN 55104
6-month money market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details
New deposits only
Bremer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
202 S Rum River Dr, Princeton, MN 55371
Money Market
3.25%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMar 18, 2026
Details
Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money.
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
131 W Superior St, Duluth, MN 55802
Preferred Investment Max | Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
325 S Broad St, Mankato, MN 56001
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
700 Seville Dr, Jordan, MN 55352
Money Market Accounts
3.14%
$1,000
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Indexed Money Market Account
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Citizens Community Federal (CCFBank)
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
53 First Streeet SW, Wells, MN 56097
MORE Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
120 Judd St, Marine On St Croix, MN 55047
Money Market Platinum
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN 55369
MONEY MARKET SAVINGS
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
BankVista
Institution Rating:
A5.0 ★ Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
Money Market Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
Premier Money Market
3.04%
$50
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details
Limited time offer
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN 55430
Money Market Accounts
3.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
Elite Money Market Savings*
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
Nova Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
Premium Money Market Personal
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $3,000,000.00
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
Premium Money Market Business
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $3,000,000.00
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Business Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Money Market
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Business High-Yield Money Market
3.00%
$5
▼
Rate2.96%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
$1,000,000 - $2,999,999.99
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN 55420
MONEY MARKET
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
Superior Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
131 W Superior St, Duluth, MN 55802
Preferred Investment Max | Money Market
2.95%
$0
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN 55106
Money Market Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
Business Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Balances of $25,000+
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN 55106
Money Market Account
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN 55106
Money Market Account
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1929 S Cedar Ave, Owatonna, MN 55060 4301
Money Market
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
1820 Lexington Ave N, Roseville, MN 55113
ExecuStar Money Market Savings
2.78%
$50,000
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Daily Balances of $150,000.00-10,000,000.00
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
8499 Tamarack Rd, Woodbury, MN 55125 9201
Business High Yield Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Business High-Yield Money Market
2.75%
$5
▼
Rate2.72%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
$750,000 - $999,999.99
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN 55106
Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN 55102
Money Market / IRA Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN 55106
Money Market Account
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Business Money Market Account
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
131 W Superior St, Duluth, MN 55802
Preferred Investment Max | Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo Money Market
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
MVP Money Market Account (MVP MMA)
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Citizens Community Federal (CCFBank)
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
53 First Streeet SW, Wells, MN 56097
MORE Money Market
2.54%
$0
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1929 S Cedar Ave, Owatonna, MN 55060 4301
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
Premier Money Market
2.53%
$50
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details
Limited time offer
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
950 Highway 95 N, Bayport, MN 55003
Investors Plus Money Market
2.53%
$2,000
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedMar 20, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
1820 Lexington Ave N, Roseville, MN 55113
ExecuStar Money Market Savings
2.53%
$50,000
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Daily Balances of $100,000.00-149,999.99
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
120 Judd St, Marine On St Croix, MN 55047
Money Market Platinum
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Red Wing Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
3303 N Service Dr, Red Wing, MN 55066
Money Market Accounts
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Citizens Community Federal (CCFBank)
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
53 First Streeet SW, Wells, MN 56097
Senior Money Market Savings
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Trustar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
601 4th St, International Falls, MN 56649 2436
Money Market Checking
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN 55447
Business High-Yield Money Market
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
$500,000 - $749,999.99
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
8499 Tamarack Rd, Woodbury, MN 55125 9201
Business High Yield Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN 55102
Money Market / IRA Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
A+ Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
Platinum Money Market Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN 55420
MONEY MARKET
2.50%
$2,500
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Harvest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.27%
222 Atlantic Ave, Atwater, MN 56209
Prime Time Money Market
2.45%
$0
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Business Money Market Account
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Money Market
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
College Rewards Money Market
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
MVP Money Market Account (MVP MMA)
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
Capitol Money Market
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
OSB Odin State Bank
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
101 E Main St, Odin, MN 56160
Money Market Account
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Security Bank Minnesota
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
195 N Broadway, Alden, MN 56009
Platinum Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
BankVista
Institution Rating:
A5.0 ★ Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
1820 Lexington Ave N, Roseville, MN 55113
ExecuStar Money Market Savings
2.27%
$50,000
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Daily Balances of $50,000.00-99,999.99
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Money Market4Business
2.27%
$50
▼
Rate2.25%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Money Market4Me
2.27%
$50
▼
Rate2.25%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
Rewards Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
1820 Lexington Ave N, Roseville, MN 55113
ExecuStar Money Market Savings
2.22%
$50,000
▼
Rate2.20%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Daily Balances up to $49,999.99
Bankwest
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
High-Yield Money Market Savings
2.12%
$10,000
▼
Rate2.10%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
Bonanza Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
147 Central Ave S, Brooten, MN 56316
Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
MVP Money Market Account (MVP MMA)
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
MVP Money Market Account (MVP MMA)
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Citizens Community Federal (CCFBank)
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
53 First Streeet SW, Wells, MN 56097
MORE Money Market
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
950 Highway 95 N, Bayport, MN 55003
Investors Plus Money Market
2.02%
$2,000
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 20, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
Rewards Money Market
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
Money Market Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Currie State Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
117 S Minnesota Ave, Okabena, MN 56161
Money Market Tier 5
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Cold Spring, Minnesota and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Cold Spring, Minnesota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Cold Spring, Minnesota. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Cold Spring, Minnesota
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Minnesota.
Are Money Market accounts in Cold Spring, Minnesota safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Minnesota up to $250,000 per depositor, per institution.
How often do MMA rates change in Cold Spring, Minnesota?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Minnesota rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in Cold Spring, Minnesota
Here are some of the highest money market account APYs currently available in Cold Spring, Minnesota and the surrounding area:
- UMB Bank
UMB Retail Money Market — 3.71% APY - The Huntington National Bank
Relationship Money Market Account — 3.66% APY - Security State Bank of Marine
Money Market Platinum — 3.56% APY - North Shore Bank of Commerce
Preferred Investment Max | Money Market — 3.50% APY - TruStone Financial Credit Union
Business High-Yield Money Market — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cold Spring, Minnesota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
