Savings Account Rates

SavingsRates Effective: 3/31/2025

Rate Type
Dividend Rate APY*
Share⁺ & Secondary: $0 to $1,999.99 0.050 0.05
Share⁺ & Secondary: $2,000 and Greater 0.100 0.10

Other SavingsRates Effective: 3/31/2025

Rate Type
Dividend Rate APY*
Puppy Pal Savings 0.300 0.30
Pathfinder Savings 0.300 0.30
Health Savings Account 0.300 0.30

*Annual Percentage Yield.

+$10 minimum balance to open a Share Savings account and maintain membership.

At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Money Market Account Rates

Money MarketRates Effective: 4/21/2025

Rate Type
Dividend Rate APY*
$0 to $9,999.99 0.995 1.00
$10,000.00-$19,999.99 0.995 1.00
$20,000 to $49,999.99 0.995 1.00
$50,000.00-$99,999.99 0.995 1.00
$100,000 to $249,999.99 1.588 1.60
$250,000 to $499,999.99 1.785 1.80
$500,000 to $999,999.99 2.276 2.30
$1,000,000 + 2.765 2.80

IRA Money MarketRates Effective: 4/21/2025

Rate Type
Dividend Rate APY*
$0 to $9,999.99 0.995 1.00
$10,000.00 to $19,999.99 0.995 1.00
$20,000 to $49,999.99 0.995 1.00
$50,000.00-$99,999.99 0.995 1.00
$100,000 to $249,999.99 1.588 1.60
$250,000 to $499,999.99 1.785 1.80
$500,000 to $999,999.99 2.276 2.30
$1,000,000 + 2.765 2.80

*Annual Percentage Yield.
A $2,500 minimum opening deposit is required.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Certificate Account Rates

Regular: $500 Minimum Opening BalanceRates Effective: 7/3/2025

Rate Type
Dividend Rate APY*
3 Months 3.500 3.50
6 Months 4.100 4.10
12 Months 4.038 4.10
18 Months 3.844 3.90
24 Months 3.747 3.80
36 Months 3.747 3.80
48 Months 3.747 3.80
60 Months 3.747 3.80

Premium: $10,000 Minimum Opening BalanceRates Effective: 7/3/2025

Rate Type
Dividend Rate APY*
3 Months 3.600 3.60
6 Months 4.200 4.20
12 Months 4.135 4.20
18 Months 3.941 4.00
24 Months 3.844 3.90
36 Months 3.844 3.90
48 Months 3.844 3.90
60 Months 3.844 3.90

Jumbo: $100,000 Minimum Opening BalanceRates Effective: 7/3/2025

Rate Type
Dividend Rate APY*
12 Months 4.329 4.40
24 Months 4.038 4.10
36 Months 4.038 4.10
48 Months 4.038 4.10
60 Months 4.038 4.10

*Annual Percentage Yield. Dividend Rates may be rounded for display purposes. APY is exact.

For more infirmation, read our Truth in Savings Disclosure.

Checking Account Rates

CheckingRates Effective: 3/31/2025

Rate Type
Dividend Rate APY* Minimum Balance to Earn Stated APY
Blaze Free Checking 0.000 0.00
Minnesota Wild Checking 0.000 0.00
St. Paul Saints 0.000 0.00
Pathfinder Debit 0.000 0.00
Dividend Checking 0.050 0.05
St. Cloud Rox 0.000 0.00
UMN Alumni Association Checking 0.000 0.00
HSA 0.300 0.30

*Annual Percentage Yield (APY)
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).
$100 minimum deposit required to open a Blaze Free Checking, Pathfinder, Rox, Saints, UMN Alumni Association, or Wild Checking account.
$2,000 minimum deposit required to open a Blaze Dividend Checking account.

Fees

See current Service Fee Schedule for additional information. Fees may reduce earnings.