Savings and Money Market Accounts

Select the Stearns Bank savings or money market account that best fits your personal finance needs

  • Personal Savings is a simple savings plan with easy access to your funds.
  • Holiday Savings is an easy way to save for the holidays, offering deposits up to $2,500, with no withdrawals until Nov. 1.
  • Stearns Select Money Market is a tiered account that offers up to $750,000 FDIC insured funds with our affiliate Member FDIC banks. One free outgoing domestic wire transfer per month.
  • Certificates of Deposit give you the option to lock in a guaranteed fixed rate for the length of time you decide upon. View current CD options.
  • "Above the Norm" Money Market Account is our high-balance, high-interest money market account, paying interest on daily balances of $100,000 or more.  See details below

Inquire online or find a Stearns Bank branch location.

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.

  Personal Savings Holiday Savings Stearns Select MMA
Opening Deposit $50 $50 $50
Minimum Average Daily Balance $50 $0 $1,000
Monthly Fee $3* $0 $8*
Interest Bearing X X X
Free Online/Mobile X X X

*If Average Daily Balance falls below the minimum

"Above the Norm" Money Market Account

  • High-balance, high-interest money market account
  • Interest is paid on entire available balance on days when the minimum daily available balance of $100,000 is maintained
  • Allows for preauthorized or automatic transfers out of the account – six per calendar month
  • A $50 deposit is required to open the account
  • ATM card available on request
  • eStatements via StearnsConnect, online and mobile banking

See rates and options