Why Not Choose More?

The already-above-average interest rates at Stearns Bank have increased. Now, you can earn even more with your money on CDs and checking & savings accounts. 

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Stearns Bank Versus the National Average

You work hard for your money and, when it comes to earning even more, you have a choice. See how the savings can stack up.



Predictable Growth

With a variety of competitive term options to fit your goals, be confident in the guaranteed rate of return that CDs from Stearns Bank offer. Rates are as high as 5.06% APY* on a 6-month CD.

*APY is annual percentage yield. Rate effective as of 03/04/2024 and subject to change at any time. The minimum deposit required to obtain APY is $2,500. A penalty may be imposed for early withdrawal. Interest paid at maturity. 

See all rates & terms

BusinessSmart Checking

Stay in control with one, simple checking account that’s built for business. All the best features, plus higher interest rates than the national average, make this account a must-have.


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BusinessSmart Market Savings

Whether you’re growing your reserves or planning for your next big move, your business savings account is an investment that feeds your short- and long-term success.

Do more with all the features you want and the strong interest rates you deserve.


Female medical business owner on the phone with Stearns Bank

Business Loans

The prospect of a new challenge or opportunity catches your eye every time. Whether you’re buying, building, expanding, or developing, you deserve expert insight from a lending team you can call your own.


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Equipment Finance

Keep things moving, always. That’s how you operate. Keep your equipment financing moving with a fast, expert-guided process.


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No Compromise Needed.

You don’t have to give up great service for strong interest rates. We're committed to always serving you with care because your success is our passion.

It’s Personal: Why Customer Service In Banking Matters

Customer service is different from personal service.

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Ag Family Finds Personal Customer Service At Stearns Bank

Farmers like consistency.
Like any industry, farmers need to be able to plan for the future.
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Waters Excavation

When Waters Excavation needs a piece of equipment to get a job done, owner Matt Waters knows where to turn.

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