CD & Account Rates

Available at Minnesota, Arizona and Florida locations

CD Calculator

Use our CD calculator to find out how much interest you can earn on a certificate of deposit (CD). Just enter a few pieces of information and we will calculate your annual percentage yield (APY) and ending balance.

Certificates of Deposit¹ Minimum Opening
Deposit
Minimum Balance
to Obtain APY³
Interest Rate APY
3 month $2,500 $2,500 1.25% 1.26%
6 month $2,500 $2,500 1.50% 1.51%
9 month $2,500 $2,500 1.75% 1.75%
12 month $2,500 $2,500 2.25% 2.25%
18 month Trade-a-Rate $2,500 $2,500 2.40% 2.41%
24 month $2,500 $2,500 2.60% 2.60%
3 year $2,500 $2,500 3.00% 3.00%
4 year $2,500 $2,500 3.00% 3.00%
5 year $2,500 $2,500 3.00% 3.00%

Jumbo Certificates
of Deposit¹
Minimum
Opening Deposit
Minimum Balance
to Obtain APY³
Interest Rate APY
3 year $90,000 $90,000 3.00% 3.00%
4 year $90,000 $90,000 3.00% 3.00%
5 year $90,000 $90,000 3.00% 3.00%

Jumbo CDs are not automatically renewable.

Checking and Savings² Minimum
Opening
Deposit
Minimum Avg
Daily Balance
to Avoid
Monthly Fee⁴
Minimum Balance
to Obtain APY³
Interest Rate APY
NOW Checking $50 $500 $.01 0.50% 0.50%
Stearns 55+ NOW Checking $50 $500 $.01 0.50% 0.50%
Personal Savings $50 $50 $.01 0.50% 0.50%
Holiday Savings¹ $50 $0 $.01 1.00% 1.01%
IRA Savings $50 $0 $.01 1.00% 1.01%
Stearns Select Money Market $50 $1,000 Daily balance of:    
      $.01 - $24,999.99 0.50% 0.50%
      $25,000-$89,999.99 0.75% 0.75%
      $90,000 and up 1.00% 1.01%
Above the Norm Money Market $50 $0.00 Daily balance of:    
      $.00 to $99,999.99 0.00% 0.00%
      $100,000.00 or more 2.00% 2.02%

Business Checking Minimum
Opening
Deposit
Minimum Avg
Daily Balance
to Avoid
Monthly Fee
Minimum Balance
to Obtain APY
Interest Rate APY
Business' Best Interest Checking² $50 $0.00 Daily balance of:    
      $.00 to $19,999.99 0.00% 0.00%
      $20,000.00 to $250,000.00⁵ 1.00% 1.01%
      $250,000.01 and up 0.00% 0.00%
  1. A penalty will be imposed for early withdrawal.
  2. The interest rate and annual percentage yield may change after account opening.
  3. Daily balance: The amount of the principal in the account each day.
  4. Average daily balance: Calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  5. Interest paid on entire available balance up to $250,000 on days when minimum available daily balance of $20,000 is maintained.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of September 5, 2018.
Rates are subject to change at any time.

Member FDIC