What are the current interest rates at Harvest Bank?

Current rates for Harvest Bank include: 12-Month CD: 3.05%, 24-Month CD: 2.65%, 36-Month CD: 2.70%, 48-Month CD: 2.65%, 60-Month CD: 2.65%, Savings: 0.45%, MMA: 0.90%

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Harvest Bank Rates & Review March 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 27, 2026

Harvest Bank's 6-Months 6-Month Fixed Rate Certificates of Deposit Minimum) rates are at 3.45%, 6-Months 6-Month Fixed Rate Certificates of Deposit Minimum) rates are at 3.30%, 12-Months 12-Month Fixed Rate Certificates of Deposit Minimum) rates are at 3.25%, 6-Months 6-Month Fixed Rate Certificates of Deposit Minimum) rates are at 3.20%, 12-Months Fixed Rate Certificates of Deposit Minimum) 12-Month rates are at 3.20%. Harvest Bank's savings rates are at 0.45%. Harvest Bank's money market rates are at 0.90%. MonitorBankRates evaluates the financial stability of Harvest Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.27%. Rates were last updated on 03/27/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.27%

Excellent Higher than avg

Harvest Bank

75 N Main St
Kimball, MN 55353

https://www.harvestbankmn.com

Harvest Bank CD Rates

Product	Rate	APY	Term
6 month Fixed Rate Certificates of Deposit Minimum)	3.40%	3.45%	6 Months
Min Balance $100,000 Details $100,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
6 month Fixed Rate Certificates of Deposit Minimum)	3.25%	3.30%	6 Months
Min Deposit $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
12 month Fixed Rate Certificates of Deposit Minimum)	3.20%	3.25%	12 Months
Min Balance $100,000 Details $100,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
6 month Fixed Rate Certificates of Deposit Minimum)	3.15%	3.20%	6 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 12 month	3.15%	3.20%	12 Months
Min Balance $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
12 month Fixed Rate Certificates of Deposit Minimum)	3.01%	3.05%	12 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 24 month	3.01%	3.05%	24 Months
Min Balance $100,000 Details $100,000; See Details Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
36 month Fixed Rate Certificates of Deposit Minimum)	2.96%	3.00%	36 Months
Min Balance $100,000 Details $100,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 48 month	2.96%	3.00%	48 Months
Min Balance $100,000 Details $100,000; See Details Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 60 month	2.96%	3.00%	60 Months
Min Balance $100,000 Details $100,000; See Details Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
24 month Fixed Rate Certificates of Deposit Minimum)	2.86%	2.90%	24 Months
Min Deposit $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
36 month Fixed Rate Certificates of Deposit Minimum)	2.81%	2.85%	36 Months
Min Deposit $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 48 month	2.81%	2.85%	48 Months
Min Balance $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 60 month	2.81%	2.85%	60 Months
Min Balance $25,000 Details $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
36 month Fixed Rate Certificates of Deposit Minimum)	2.67%	2.70%	36 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
24 month Fixed Rate Certificates of Deposit Minimum)	2.62%	2.65%	24 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
48 month Fixed Rate Certificates of Deposit Minimum)	2.62%	2.65%	48 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
60 month Fixed Rate Certificates of Deposit Minimum)	2.62%	2.65%	60 Months
Min Balance $1,000 Details $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

Harvest Bank Savings Rates

Product	Rate	APY
Health Savings Account (Variable Rate)	1.79%	1.80%
Min Balance $20,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Health Savings Account (Variable Rate)	1.39%	1.40%
Min Balance $5,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Account	1.24%	1.25%
Min Balance $50,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Accounts	1.24%	1.25%
Min Balance $50,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Health Savings Account (Variable Rate)	1.19%	1.20%
Min Balance $2,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Health Savings Account (Variable Rate)	1.00%	1.00%
No additional details. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Account	0.90%	0.90%
Min Balance $5,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Accounts	0.90%	0.90%
Min Balance $5,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Account	0.45%	0.45%
Min Balance $50 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Savings Accounts	0.45%	0.45%
Min Balance $50 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

Harvest Bank Money Market Rates

Product	Rate	APY
Prime Time Money Market	2.42%	2.45%
Min Balance $250,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Prime Time Money Market	1.88%	1.90%
Min Balance $100,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Prime Time Money Market	1.49%	1.50%
Min Balance $50,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Prime Time Money Market	0.90%	0.90%
Min Balance $5,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

Harvest Bank Checking Rates

Product	Rate	APY
Business Interest Checking	1.49%	1.50%
Min Balance $250,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Checking Account	1.24%	1.25%
Min Balance $50,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Interest Checking	0.95%	0.95%
Min Balance $150,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Checking Account	0.75%	0.75%
Min Balance $10,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Interest Checking	0.60%	0.60%
Min Balance $50,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Interest Checking	0.35%	0.35%
Min Balance $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Investors Checking Account	0.35%	0.35%
Min Balance $1,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Institution Name Harvest Bank

Bank Holding Company CATTAIL BANCSHARES INC

Address 75 N Main St, Kimball, MN 55353 · Stearns

Website https://www.harvestbankmn.com

FDIC Certificate # 11415

Established 08/08/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8256%

Return on Equity (ROE) 15.4400%

Non-Performing Loans (NPL) 0.70%

Total Assets $234,948,000

Total Deposits $215,233,000

Equity Capital $18,037,000

Net Income $2,599,000

Headquarters Kimball

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Harvest Bank

Is Harvest Bank a safe place to deposit money?

Yes, Harvest Bank is considered a safe financial institution. With a Texas Ratio of 13.269682013108%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.