Fountain, Minnesota (MN) Savings Rates - April 2026
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The savings 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.
The best savings rates for Fountain, Minnesota and the surrounding area include First State Bank of FountainFirst State Bank of Fountain101 Main St, Fountain, MN 55935A+5.0 ★Texas Ratio: 0.00% Heritage Money Market Savings at 0.75% APY, Genisys Credit UnionGenisys Credit UnionA+5.0 ★Texas Ratio: 5.03% High Yield Youth Savings at 5.12% APY, Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY, West Metro Schools Credit UnionWest Metro Schools Credit UnionA5.0 ★Texas Ratio: 7.84% Holiday Savings at 5.00% APY, and Grand Rapids SBGrand Rapids SBA5.0 ★Texas Ratio: 9.12% Education Savings at 4.33% APY.
Fountain has 8 local institutions in our database, with savings rates as high as 0.75% APY from First State Bank of Fountain at 101 Main St, Fountain, MN 55935. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Fountain, Minnesota and the surrounding area. Last Updated and Verified: April 6, 2026
Compare the Best Savings Rates in Fountain, Minnesota & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Heritage Money Market Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Heritage Money Market Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Heritage Money Market Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Holiday Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Heritage Money Market Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Heritage Money Market Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Next Generation Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Main St, Fountain, MN 55935
Traditional Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
High Yield Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Snap $tack Savings
5.12%
$1,000
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $5,000.00
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
Holiday Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
max $300 deposit per month
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
EzMoney Savings+
4.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
EzMoney Savings
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $5,000.00
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifying balance up to $1,000.00
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
Elite Business Savings
3.82%
$25,000
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Estate Savings
3.81%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
UBM Direct Savings
3.75%
$1,000,000
▼
Rate3.69%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 3, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Business High Yield Savings Account
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Contact your local banker for more details!
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Peoples Preferred Savings
3.51%
$1,000
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
(Personal & Business)
Fairmont School Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Savings Account
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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%
Platinum Savings
3.43%
$0
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
ELITE WEALTH Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
High Yield Savings Account
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
High Yield Savings
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Border Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Limited Edition Savings Account
3.30%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $25,000.00
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
ELITE Money Market Savings
3.30%
$0
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Money Market Savings
3.30%
$0
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
High Yield Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $199,999.00
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
ELITE WEALTH Money Market Savings
3.20%
$0
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Peoples Preferred Savings
3.20%
$1,000
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
Platinum Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
ELITE Money Market Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
MONEY MARKET SAVINGS
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
Savings
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
View Rates
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
TopLine Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
High Yield Savings Plus
3.00%
$100,000
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 bonus
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Business High Yield Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifying balance up to $2,000.00
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
eSavings^ - Introductory Rate
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: monthly direct deposit; Balances above $10,000 will earn the going rate on the Secondary Savings, currently 0.10% APY.
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: 50 minimum direct deposit per month; enroll in online banking; Intro rate expires: 24; Qualifying balance up to $10,000.00
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA SAVINGS (Traditional, Roth, or Educational)
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Youth Education Savings (YES) Account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $500.00
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
YES (Youth Education Savings)
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $500.00
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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.
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.
Fountain, MN Savings Rate Trends
Compare local Fountain, MN savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MN Avg
1.911%
▲ 0.186 vs 7 days ago
Minnesota high-yield savings rates rose 0.186 points over the past 7 days to 1.911% APY, up from 1.725%.
Standard Savings — MN Avg
0.906%
▲ 0.494 vs 7 days ago
Minnesota standard savings rates rose 0.494 points over the past 7 days to 0.906% APY, up from 0.412%.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Fountain, 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 Fountain, 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 Fountain, 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 Fountain, 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 Fountain, 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 Fountain, 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 Fountain, Minnesota?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Fountain, Minnesota offer in-person customer service, which some customers prefer.
How do I open a savings account in Fountain, 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 Fountain, Minnesota
Here are recent savings rates observed in Fountain, Minnesota and the surrounding area:
- First State Bank of Fountain
Heritage Money Market Savings — 0.75% APY - Genisys Credit Union
High Yield Youth Savings — 5.12% APY - Fidelity Bank & Trust (IA)
Snap $tack Savings — 5.12% APY - West Metro Schools Credit Union
Holiday Savings — 5.00% APY - Grand Rapids SB
Education Savings — 4.33% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Fountain, Minnesota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 6, 2026
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