With any Impact Account, your money can do more than earn interest. It can support sustainable energy, affordable housing, and nonprofit lending opportunities across the country.

The same great rates and features as a traditional account.

Ready to bank with purpose?

Open an account today, or share a few details, and a Stearns Bank team member will follow up to share more information and help you open your new Impact Account.

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Identification Notice: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Rate Disclosures: Impact Accounts are available as Personal, Business, and Nonprofit accounts. The following rates and terms apply to all three.
Impact Checking: 0.40% APY* if balance is $0.01 or more. A balance of $0.01 is needed to earn the APY.
Impact Savings: 0.85% APY* if balance is less than or equal to $99,999.99. 1.97% APY* if balance is $100,000 to $499,999.99. 2.99% APY* if balance is $500,000 or more.
*APY is annual percentage yield. Rates are accurate as of 8/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.

12-Month Promotional 2.99% APY**
**Impact market savings promotion. 12-month APY of 2.99% and 12-month interest rate of 2.95% on new Impact market savings accounts opened between April 22, 2026, and December 31, 2026. A balance of $0.01 is needed to earn the APY. Twelve months after account opening, the APY and interest rate will return to the standard tier rates in effect at that time. Applicable market savings account types are: Impact market savings and Impact Business market savings. APY is annual percentage yield. Rates are accurate as of August 1, 2026, and subject to change at any time, including after account opening. Fees may reduce earnings.