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Harvest Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Harvest Bank's 60-Month Fixed Rate CD rates are at 4.00%, 48-Month Fixed Rate CD rates are at 3.90%, Fixed Rate CD Minimum - 60-Month rates are at 3.85%, 36-Month Fixed Rate CD rates are at 3.80%, Fixed Rate CD Minimum - 48-Month rates are at 3.75%. Harvest Bank's savings rates are at 1.80%. Harvest Bank's money market rates are at 2.60%. Harvest Bank's checking rates are as high as 5.00%. Harvest Bank's top CD rate of 4.00% APY on a 5 year CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Harvest Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.49%. Rates last updated and verified on 11/06/2026.

Harvest Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Harvest Bank? Share your experience about Harvest Bank by leaving a review below, or read customer reviews before you decide to use Harvest Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A-
Very Good Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
14.49%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Harvest Bank
75 N Main St
Kimball, MN 55353
https://www.harvestbankmn.com
MemberFDIC
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Harvest Bank CD Rates

Product Rate APY Term Min. Deposit View More
60-Month Fixed Rate CD 3.93% 4.00% 60 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
48-Month Fixed Rate CD 3.83% 3.90% 48 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
60-Month Fixed Rate CD 3.78% 3.85% 60 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.85% ▲ 0.65 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Sep 14, 2026: 3.20% APYOct 3, 2026: 4.00% APYOct 21, 2026: 3.85% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.85%▼ from 4.00%
  • Oct 3, 20264.00%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 60-month 3.78% 3.85% 60 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.85% ▲ 0.65 pts · high 3.85% / low 3.20%
2.55%3.53%4.50%Sep 14, 2026: 3.20% APYOct 21, 2026: 3.85% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.85%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
36-Month Fixed Rate CD 3.74% 3.80% 36 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
48-Month Fixed Rate CD 3.69% 3.75% 48 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
3 changes since Sep 14, 2026 · 3.15% → 3.75% ▲ 0.60 pts · high 3.90% / low 3.15%
2.40%3.53%4.65%Sep 14, 2026: 3.15% APYSep 24, 2026: 3.25% APYOct 3, 2026: 3.90% APYOct 21, 2026: 3.75% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.75%▼ from 3.90%
  • Oct 3, 20263.90%▲ from 3.25%
  • Sep 24, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
60-Month Fixed Rate CD 3.69% 3.75% 60 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 48-month 3.69% 3.75% 48 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 21, 2026: 3.75% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
24-Month Fixed Rate CD 3.64% 3.70% 24 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
36-Month Fixed Rate CD 3.59% 3.65% 36 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
3 changes since Sep 14, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.80% / low 3.15%
2.50%3.47%4.45%Sep 14, 2026: 3.15% APYSep 24, 2026: 3.30% APYOct 3, 2026: 3.80% APYOct 21, 2026: 3.65% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.65%▼ from 3.80%
  • Oct 3, 20263.80%▲ from 3.30%
  • Sep 24, 20263.30%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
48-Month Fixed Rate CD 3.59% 3.65% 48 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 36-month 3.59% 3.65% 36 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 21, 2026: 3.65% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.65%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
12-Month Fixed Rate CD 3.54% 3.60% 12 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
24-Month Fixed Rate CD 3.49% 3.55% 24 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
3 changes since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Sep 14, 2026: 3.25% APYSep 24, 2026: 3.40% APYOct 3, 2026: 3.70% APYOct 21, 2026: 3.55% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.55%▼ from 3.70%
  • Oct 3, 20263.70%▲ from 3.40%
  • Sep 24, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
36-Month Fixed Rate CD 3.49% 3.55% 36 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
6-Month Fixed Rate CD 3.49% 3.55% 6 Months -
Min Balance $100,000
Details $100,000; Minimum $100,000; A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 24-month 3.49% 3.55% 24 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 21, 2026: 3.55% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
12-Month Fixed Rate CD 3.40% 3.45% 12 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
3 changes since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.60% / low 3.30%
2.80%3.45%4.10%Sep 14, 2026: 3.30% APYSep 24, 2026: 3.45% APYOct 3, 2026: 3.60% APYOct 21, 2026: 3.45% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.45%▼ from 3.60%
  • Oct 3, 20263.60%▲ from 3.45%
  • Sep 24, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
24-Month Fixed Rate CD 3.40% 3.45% 24 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 12-month 3.40% 3.45% 12 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
6-Month Fixed Rate CD 3.35% 3.40% 6 Months $25,000
Min Deposit $25,000
Last Updated 11/06/2026
Rate History
2 changes since Sep 14, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYSep 24, 2026: 3.55% APYOct 21, 2026: 3.40% APYSep 14, 2026Nov 9, 2026
  • Oct 21, 20263.40%▼ from 3.55%
  • Sep 24, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Fixed Rate CD Minimum - 6-month 3.35% 3.40% 6 Months -
Min Balance $25,000
Details $25,000; Fixed Rate Certificates of Deposit ($25,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
12-Month Fixed Rate CD 3.30% 3.35% 12 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
6-Month Fixed Rate CD 3.25% 3.30% 6 Months -
Min Balance $1,000
Details Fixed Rate Certificates of Deposit ($1,000 Minimum); A penalty may be imposed for early withdrawal.
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%

Harvest Bank Savings Rates

Product Rate APY View More
Health Savings Account (Variable Rate) 1.79% 1.80%
Min Balance $20,000
Details Balance: $20,000+
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 8 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Health Savings Account (Variable Rate) 1.39% 1.40%
Min Balance $5,000
Details Balance: $5,000 - $19,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Savings Accounts 1.24% 1.25%
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 10 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Health Savings Account (Variable Rate) 1.19% 1.20%
Min Balance $2,000
Details Balance: $2,000 - $4,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 8 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Health Savings Account (Variable Rate) 1.00% 1.00%
Min Balance $0
Details Balance: $0 - $1,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Savings Accounts 0.90% 0.90%
Min Balance $5,000
Details Balance: $5,000 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 10 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Savings Accounts 0.45% 0.45%
Min Balance $50
Details Balance: $50 - $4,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 10 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%

Harvest Bank Money Market Rates

Product Rate APY View More
Prime Time Money Market 2.57% 2.60%
Min Balance $250,000
Details Balance: $250,000 - $999,999.99
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 2.45% → 2.60% ▲ 0.15 pts · high 2.60% / low 2.45%
1.95%2.53%3.10%Sep 14, 2026: 2.45% APYOct 3, 2026: 2.60% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20262.60%▲ from 2.45%
  • Sep 14, 20262.45%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Prime Time Money Market 2.03% 2.05%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.90% → 2.05% ▲ 0.15 pts · high 2.05% / low 1.90%
1.40%1.97%2.55%Sep 14, 2026: 1.90% APYOct 3, 2026: 2.05% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20262.05%▲ from 1.90%
  • Sep 14, 20261.90%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Prime Time Money Market 1.64% 1.65%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.65% ▲ 0.15 pts · high 1.65% / low 1.50%
1.00%1.58%2.15%Sep 14, 2026: 1.50% APYOct 3, 2026: 1.65% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20261.65%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Prime Time Money Market 1.04% 1.05%
Min Balance $5,000
Details Balance: $5,000 - $49,999.99
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.90% → 1.05% ▲ 0.15 pts · high 1.05% / low 0.90%
0.40%0.98%1.55%Sep 14, 2026: 0.90% APYOct 3, 2026: 1.05% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20261.05%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%

Harvest Bank Checking Rates

Product Rate APY View More
Kasasa Cash Checking 4.89% 5.00%
Min Deposit $100
Min Balance $0
Details Qualifications Required; Balance: $0 - $15,000; Qualifying balance up to $15,000.00
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Checking Account 1.24% 1.25%
Min Balance $50,000
Details Balance: $50,000+
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 10 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Checking Account 0.75% 0.75%
Min Balance $10,000
Details Balance: $10,000 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 10 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Investors Checking Account 0.35% 0.35%
Min Balance $1,000
Details Balance: $1,000 - $9,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%

Harvest Bank Business Checking Rates

Product Rate APY View More
Business Interest Checking 1.49% 1.50%
Min Balance $250,000
Details Balance: $250,000 +
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Business Interest Checking 0.95% 0.95%
Min Balance $150,000
Details Balance: $150,000 - $249,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 10 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Business Interest Checking 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000 - $149,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Business Interest Checking 0.35% 0.35%
Min Balance $1,000
Details Balance: $1,000- $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%

Harvest Bank Other Rates

Product Rate Points APY/APR Term View More
Individual Retirement Accounts (Variable Rate) 2.72% - 2.75% 36 Months
Min Balance $250
Details Balance: $250 - $9,999.99; A penalty may be imposed for early withdrawal. These accounts have a variable rate feature and the rate may change after the account is opened.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Oct 21, 2026: 2.75% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Individual Retirement Accounts (Variable Rate) 3.20% - 3.25% 36 Months
Min Balance $10,000
Details Balance: $10,000+; A penalty may be imposed for early withdrawal. These accounts have a variable rate feature and the rate may change after the account is opened.
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Kasasa Saver Savings 2.47% - 2.50%
Min Balance $0
Details Qualifications Required; Balance: 0 - $100,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.49%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Harvest Bank’s Texas Ratio rose from 13.27% in Q3 2023 to 14.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.5 to 5.0 and its Health Grade from C+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 6% 2.0★ 13% 3.0★ 19% 4.0★ 25% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 13.27% C+ Q3 2023 B- Q4 2023 B Q1 2024 B Q2 2024 B+ Q3 2024 B+ Q4 2024 A Q1 2025 A Q2 2025 B+ Q3 2025 B+ Q4 2025 A- Q1 2026 14.49% A- Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$355M14.49%5.0A-
March 31, 2026$356M15.16%5.0A-
December 31, 2025$235M18.12%4.7B+
September 30, 2025$233M18.83%4.7B+
June 30, 2025$232M8.92%5.0A
March 31, 2025$233M9.39%4.8A
December 31, 2024$235M10.10%4.4B+
September 30, 2024$228M10.01%4.5B+
June 30, 2024$226M9.61%4.1B
March 31, 2024$226M10.08%4.0B
December 31, 2023$229M11.25%3.8B-
September 30, 2023$224M13.27%3.5C+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Harvest Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Harvest Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Harvest Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Harvest Bank
Website https://www.harvestbankmn.com
Address 75 N Main St, Kimball, MN 55353  ·  Stearns
Bank Holding Company CATTAIL BANCSHARES INC
FDIC Certificate # 11415
Regulator FDIC
Established August 8, 1901
FDIC Insurance Date January 1, 1934
Domestic Offices 6
Total Branches 6
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.49%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0349%
Return on Equity (ROE)
12.7800%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
$355,123,000
Total Deposits
$323,440,000
Equity Capital
$29,608,000
Net Income
$1,835,000
Headquarters
Kimball
Total Branches and Offices
6
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Harvest Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/harvest-bank-rates-review-11415">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Harvest Bank

Does Harvest Bank offer CDs?

Yes. Harvest Bank current CD rates include its 60-Month Fixed Rate CD at 4.00% APY, its 48-Month Fixed Rate CD at 3.90% APY and its Fixed Rate CD Minimum - 60-Month at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Harvest Bank FDIC insured?

Yes. Harvest Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Harvest Bank?

The highest Harvest Bank CD rate is its 60-Month Fixed Rate Certificates of Deposit at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Harvest Bank offer?

Harvest Bank CD rates are 3.35% APY for a 12 month CD, 3.45% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.90% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Harvest Bank for its full lineup.

What is the highest savings rate at Harvest Bank?

The highest Harvest Bank savings rate is its Health Savings Account (Variable Rate) at 1.80% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Harvest Bank?

The highest Harvest Bank money market rate is its Prime Time Money Market at 2.60% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Harvest Bank?

The highest Harvest Bank checking rate is its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Harvest Bank operate?

Harvest Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Harvest Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harvest Bank provides members with tools to manage their accounts and build a solid financial history.

Does Harvest Bank offer online and mobile banking?

Most modern institutions like Harvest Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.harvestbankmn.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Harvest Bank rates compare?

Harvest Bank's top CD rate of 4.00% APY on a 5 year CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A- health rating. Harvest Bank's top rates are its 60-Months 60-Month Fixed Rate Certificates of Deposit at 4.00% APY, its Health Savings Account (Variable Rate) at 1.80% APY, its Prime Time Money Market at 2.60% APY and its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates on November 6, 2026.

Current Harvest Bank Rates

  • 12-Month CD3.35%
  • 24-Month CD3.45%
  • 36-Month CD3.55%
  • 48-Month CD3.65%
  • 60-Month CD3.75%
  • Savings1.80%
  • MMA2.60%
Retrieved from our database of financial products. Rates subject to change.

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