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Minnesota Savings Rate Trends

Champlin, Minnesota (MN) Savings Rates - March 2026

The best savings rates for Champlin, Minnesota and the surrounding area include TopLine Financial Credit UnionTopLine Financial Credit Union11681 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 6.64% TopLine Savings at 3.00% APY, Wells FargoWells Fargo11966 Business Park Blvd N, Champlin, MN 55316A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, Genisys Credit UnionGenisys Credit Union3300 Central Park Village Dr, Eagan, MN 55121 7707A+5.0 ★Texas Ratio: 5.03% High Yield Youth Savings at 5.12% APY, Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)205 Main St, Frost, MN 56033A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY, and PSB of PlainviewPSB of Plainview100 4th Ave Se, Plainview, MN 55964A+5.0 ★Texas Ratio: 4.73% Peoples Preferred Savings at 5.00% APY.

To see how these savings rates in Champlin, Minnesota, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Champlin, Minnesota (MN) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Champlin, Minnesota and the surrounding area. Last Updated and Verified: March 21, 2026

Champlin, MN Savings Rate Trends

Compare local Champlin, MN savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Minnesota Savings Trends →
High-Yield Savings — MN Avg
1.266%

Minnesota high-yield savings rates currently average 1.266% APY based on data from institutions in our monitoring network.

Standard Savings — MN Avg
0.407%

Minnesota standard savings rates currently average 0.407% APY based on data from institutions in our monitoring network.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Champlin, Minnesota & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
2.80%
$0
Rate2.76%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
2.60%
$0
Rate2.57%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
2.30%
$0
Rate2.28%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
2.05%
$0
Rate2.03%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
TopLine Savings
1.80%
$0
Rate1.78%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Regular, Roth & Coverdell IRA Money Market Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
WINcentiveĀ® Savings
0.21%
$0
Rate0.21%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Business Savings Plus
0.16%
$0
Rate0.16%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Business Share Savings
0.16%
$0
Rate0.16%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Savings Plus
0.16%
$0
Rate0.16%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Savings Plus
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Basic Share Savings
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Business Savings Plus
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Business Share Savings
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Business Share Savings
0.06%
$0
Rate0.06%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11681 Theatre Dr N, Champlin, MN 55316
Basic Share Savings
0.06%
$0
Rate0.06%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11966 Business Park Blvd N, Champlin, MN 55316
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11966 Business Park Blvd N, Champlin, MN 55316
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

How to avoid the $5 monthly service fee

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11966 Business Park Blvd N, Champlin, MN 55316
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11966 Business Park Blvd N, Champlin, MN 55316
Way2Save Savings
0.01%
$25
Rate0.01%
Min Deposit$25
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
High Yield Youth Savings
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Balances above $500.00 are paid the standard share savings rate.

Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
205 Main St, Frost, MN 56033
Snap $tack Savings
5.12%
$1,000
Rate5.00%
Min Deposit$1,000
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $5,000.00

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Peoples Preferred Savings
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $25,000.00

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
1001 Highway 7, Hopkins, MN 55305
Holiday Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

max $300 deposit per month

Grand Rapids SB
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
523 Nw 1st Ave, Grand Rapids, MN 55744
Education Savings
4.33%
$0
Rate4.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
SMART Savings
4.32%
$0
Rate4.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
EzMoney Savings+
4.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $5,000.00

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
EzMoney Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $5,000.00

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
Little Drake Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $1,000.00

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
Investor Savings
3.92%
$0
Rate3.85%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
Platinum Plus Savings
3.82%
$5,000
Rate3.75%
Min Deposit$5,000
Min Balance
UpdatedMar 18, 2026
Details

$10,000,000

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
Elite Business Savings
3.82%
$0
Rate3.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
Elite Savings
3.82%
$0
Rate3.75%
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
Business High Yield Savings Account
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
UBM Direct Savings
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
Business High Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
Business High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Contact your local banker for more details!

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Contact your local banker for more details!

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
High Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
IRA Variable Rate Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Peoples Preferred Savings
3.51%
$1,000
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
Luminate Radiant Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

(Personal & Business)

Fairmont School Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
110 Eltinge Pl, Fairmont, MN 56031 3423
Share Savings Account
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

At the December board meeting, it was voted by the board to raise our dividend rate to 3.50%.

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
Platinum Savings
3.45%
$0
Rate3.40%
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
3.40%
$0
Rate3.36%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
13283 Isle Dr, Baxter, MN 56425 8554
High Yield Savings
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
Business High Yield Savings
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
High Yield Savings
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
Investor Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
Platinum Plus Savings
3.30%
$5,000
Rate3.25%
Min Deposit$5,000
Min Balance
UpdatedMar 18, 2026
Details

$500,000-$2,499,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2350 Fairview Ave N, Roseville, MN 55113
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Peoples Preferred Savings
3.20%
$1,000
Rate3.15%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
Platinum Savings
3.14%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1650 Lake St S, Forest Lake, MN 55025
Business High Yield Savings
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

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.

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 Savings Rate Data: We aggregate savings account rates for Champlin, 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 savings 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 Champlin, Minnesota. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MN.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Champlin, Minnesota

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Minnesota, help your money grow faster through a higher APY.

Are savings accounts in Champlin, 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 savings rates change in Champlin, Minnesota?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Champlin, Minnesota may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Champlin, Minnesota?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Champlin, Minnesota offer in-person customer service, which some customers prefer.

How do I open a savings account in Champlin, Minnesota?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Champlin, Minnesota

Here are recent savings rates observed in Champlin, Minnesota and the surrounding area:
  • TopLine Financial Credit Union
    TopLine Savings — 3.00% APY
  • Wells Fargo
    Retirement High Yield Savings — 0.05% APY
  • Genisys Credit Union
    High Yield Youth Savings — 5.12% APY
  • Fidelity Bank & Trust (IA)
    Snap $tack Savings — 5.12% APY
  • PSB of Plainview
    Peoples Preferred Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Champlin, Minnesota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026