Best Money Market Rates in Saint Cloud, Minnesota (MN) - May 2026
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Brian McKay
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Brian McKay
Brian McKay
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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 Saint Cloud, Minnesota and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank200 25th Ave S, Saint Cloud, MN 56301A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, Security State Bank of MarineSecurity State Bank of MarineA+5.0 ★Texas Ratio: 0.11% Money Market Platinum at 3.56% APY, North Shore Bank of CommerceNorth Shore Bank of CommerceA+5.0 ★Texas Ratio: 2.16% Preferred Investment Max | Money Market at 3.50% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% Money Market Special Intro rate at 3.50% APY, and TruStone Financial Credit UnionTruStone Financial Credit Union3240 W Division St, Saint Cloud, MN 56301 3821A+5.0 ★Texas Ratio: 5.44% Business High-Yield Money Market at 3.50% APY. Money market rates as of May 5, 2026 according to verified data from MonitorBankRates.
Saint Cloud has 3 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 200 25th Ave S, Saint Cloud, MN 56301. Use the table below to compare all available offers, including options from institutions serving the broader Minnesota area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Saint Cloud, Minnesota and surrounding area. Last Updated and Verified: May 5, 2026
Compare the Best Money Market Rates Today in Saint Cloud, Minnesota & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
200 25th Ave S, Saint Cloud, MN 56301
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
200 25th Ave S, Saint Cloud, MN 56301
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
3.50%
$5
▼
Rate3.45%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$5,000,000 And Greater
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
3.25%
$5
▼
Rate3.20%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$3,000,000 - $4,999,999.99
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
200 25th Ave S, Saint Cloud, MN 56301
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
200 25th Ave S, Saint Cloud, MN 56301
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
3.00%
$5
▼
Rate2.96%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$1,000,000 - $2,999,999.99
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Money Market
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
2.75%
$5
▼
Rate2.72%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$750,000 - $999,999.99
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$500,000 - $749,999.99
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Money Market4Me
2.27%
$50
▼
Rate2.25%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Money Market4Business
2.27%
$50
▼
Rate2.25%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Money Market
2.00%
$2,500
▼
Rate1.98%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
2.00%
$5
▼
Rate1.98%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$250,000 - $499,999.99
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Money Market4Me
1.92%
$50
▼
Rate1.90%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Money Market4Business
1.92%
$50
▼
Rate1.90%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Moneywise Money Market (Youth)
1.75%
$500
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
Business High-Yield Money Market
1.75%
$5
▼
Rate1.74%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 - $249,999.99
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Platinum
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$15,000+
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Preferred Investment Max | Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
ELITE WEALTH Money Market Savings
3.40%
$2,500
▼
Rate3.36%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
ELITE Money Market Savings
3.30%
$2,500
▼
Rate3.26%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Money Market Savings
3.30%
$2,500
▼
Rate3.26%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
6-month money market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
New deposits only
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Preferred Investment Max | Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Money Market Accounts
3.14%
$1,000
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details
limited time offer
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Platinum
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
MONEY MARKET SAVINGS
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings*
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings
3.01%
$50
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
MONEY MARKET
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Premium Money Market Business
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $3,000,000.00
American Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Money Market Special
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Special Promotions
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Premium Money Market Personal
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
b,c,e
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Preferred Investment Max | Money Market
2.95%
$0
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
($25,000 minimum balance requirement to obtain APR/APY)
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Money Market
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
ExecuStar Money Market Savings
2.78%
$50,000
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details
Daily Balances of $150,000.00-10,000,000.00
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Up to; Learn More
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Business High Yield Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Preferred Investment Max | Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Investors Plus Money Market
2.53%
$2,000
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 4, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Security State Bank of Marine
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Platinum
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
ExecuStar Money Market Savings
2.53%
$50,000
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details
Daily Balances of $100,000.00-149,999.99
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details
limited time offer
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
Platinum Money Market Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
MONEY MARKET
2.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Business High Yield Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Trustar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Money Market Checking
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
College Rewards Money Market
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
OSB Odin State Bank
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
Money Market Account
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Minimum balance required for Premium Money Market Savings to earn stated rate is $20,000. APY is accurate as of specified date.
Security Bank Minnesota
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Platinum Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
Rewards Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
MONEY MARKET SAVINGS
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
ExecuStar Money Market Savings
2.27%
$50,000
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details
Daily Balances of $50,000.00-99,999.99
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
North Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
ExecuStar Money Market Savings
2.22%
$50,000
▼
Rate2.20%
Min Deposit$50,000
Min Balance—
UpdatedMay 3, 2026
Details
Daily Balances up to $49,999.99
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
College Rewards Money Market
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Leading Edge Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Edge Money Market
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Money Market Savings
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details
limited time offer
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Investors Plus Money Market
2.02%
$2,000
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$50,000 and Above
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
Rewards Money Market
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Forward Money Market Savings
2.00%
$5,000
▼
Rate1.98%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
$5,000 minimum opening deposit
Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Business Forward Money Market Savings
2.00%
$5,000
▼
Rate1.98%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
$5,000 minimum opening deposit
Trustar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Money Market Checking
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Money Market
2.00%
$0
▼
Rate1.97%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Business High Yield Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
Money Market Share Accounts
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
College Rewards Money Market
1.97%
$0
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
Rewards Money Market
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Money Market Savings
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
College Rewards Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
Trustar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Money Market Checking
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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 Saint Cloud, 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.
Saint Cloud, MN Money Market Rate Trends
Compare local Saint Cloud, MN money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — MN Avg
3.362%
▲ 0.062 vs 7 days ago
Minnesota high-yield MMA rates rose 0.062 points over the past 7 days to 3.362% APY.
Standard MMA — MN Avg
1.065%
▼ 0.001 vs 7 days ago
Minnesota standard MMA rates fell 0.001 points over the past 7 days to 1.065% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, Minnesota
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Saint Cloud, 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 Saint Cloud, 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.
How much do I need to deposit to open a money market account in Saint Cloud, Minnesota?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Saint Cloud, Minnesota require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Saint Cloud, Minnesota
Here are some of the highest money market account APYs currently available in Saint Cloud, Minnesota and the surrounding area:
- The Huntington National Bank
High-Yield Money Market — 3.82% 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 - Baxter Credit Union
Money Market Special Intro rate — 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 Saint Cloud, Minnesota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 5, 2026
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