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Security Bank Minnesota Rates & Review November 2026

Security Bank Minnesota's CD Specials - 19-Month rates are at 3.86%, CD Specials - 10-Month rates are at 3.76%, 60-Month CD rates are at 2.75%, 48-Month CD rates are at 2.65%, 36-Month CD rates are at 2.50%. Security Bank Minnesota's savings rates are at 2.27%. Security Bank Minnesota's checking rates are as high as 1.51%. Security Bank Minnesota's top CD rate of 3.86% APY on a 19 month CD is 32% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B+ health rating. MonitorBankRates evaluates the financial stability of Security Bank Minnesota with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 16.94%. Rates last updated and verified on 11/06/2026.

Security Bank Minnesota 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 Security Bank Minnesota? Share your experience about Security Bank Minnesota by leaving a review below, or read customer reviews before you decide to use Security Bank Minnesota.

Overall Health & Safety Grade ?
B+
Good Health Score: 90/100
MonitorBankRates Rating ?
4.8
Exceptional Out of 5.0 Stars
Texas Ratio ?
16.94%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Security Bank Minnesota
437 Bridge Ave
Albert Lea, MN 56007
https://www.securitybankmn.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.

Security Bank Minnesota CD Rates

Product Rate APY Term Min. Deposit View More
CD Specials - 19-Month 3.85% 3.86% 19 Month $1,000
Min Deposit $1,000
Details CD Specials; $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Oct 21, 2026: 3.86% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 19-Month CD Special 3.85% 3.86% 19 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Oct 3, 2026: 3.86% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
CD Specials - 10-Month 3.75% 3.76% 10 Month $1,000
Min Deposit $1,000
Details CD Specials; $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Oct 21, 2026: 3.76% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 10-Month CD Special 3.75% 3.76% 10 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Oct 3, 2026: 3.76% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
60-Month CD 2.75% 2.75% 60 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
60-Month CD 2.70% 2.70% 60 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 19, 2026: 2.70% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
48-Month CD 2.65% 2.65% 48 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 8 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
60-Month CD 2.65% 2.65% 60 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 8 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 60-Month CD 2.65% 2.65% 60 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.65% APY · checked 6 times
2.15%2.65%3.15%Oct 3, 2026: 2.65% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Traditional and Roth IRA 60-month 2.65% 2.65% 60 Months $1,000
Min Deposit $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Oct 21, 2026: 2.65% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
48-Month CD 2.60% 2.60% 48 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 19, 2026: 2.60% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
48-Month CD 2.55% 2.55% 48 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 19, 2026: 2.55% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 48-Month CD 2.55% 2.55% 48 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Oct 3, 2026: 2.55% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Traditional and Roth IRA 48-month 2.55% 2.55% 48 Months $1,000
Min Deposit $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Oct 21, 2026: 2.55% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
36-Month CD 2.50% 2.50% 36 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
24-Month CD 2.45% 2.45% 24 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 19, 2026: 2.45% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
36-Month CD 2.45% 2.45% 36 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 19, 2026: 2.45% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
18-Month CD 2.40% 2.40% 18 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 19, 2026: 2.40% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
24-Month CD 2.40% 2.40% 24 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 19, 2026: 2.40% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
36-Month CD 2.40% 2.40% 36 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 19, 2026: 2.40% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 36-Month CD 2.40% 2.40% 36 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Oct 3, 2026: 2.40% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Traditional and Roth IRA 36-month 2.40% 2.40% 36 Months $1,000
Min Deposit $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Oct 21, 2026: 2.40% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
18-Month CD 2.35% 2.35% 18 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.35% APY · checked 8 times
1.85%2.35%2.85%Sep 19, 2026: 2.35% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
24-Month CD 2.35% 2.35% 24 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.35% APY · checked 8 times
1.85%2.35%2.85%Sep 19, 2026: 2.35% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 24-Month CD 2.35% 2.35% 24 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Oct 3, 2026: 2.35% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Traditional and Roth IRA 24-month 2.35% 2.35% 24 Months $1,000
Min Deposit $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Oct 21, 2026: 2.35% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
18-Month CD 2.30% 2.30% 18 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.30% APY · checked 8 times
1.80%2.30%2.80%Sep 19, 2026: 2.30% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
12-Month CD 2.25% 2.25% 12 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
12-Month CD 2.20% 2.20% 12 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 8 times
1.70%2.20%2.70%Sep 19, 2026: 2.20% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
6-Month CD 2.15% 2.16% 6 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.16% APY · checked 8 times
1.66%2.16%2.66%Sep 19, 2026: 2.16% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
12-Month CD 2.15% 2.15% 12 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.15% APY · checked 8 times
1.65%2.15%2.65%Sep 19, 2026: 2.15% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
IRA 12-Month CD 2.15% 2.15% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.15% APY · checked 6 times
1.65%2.15%2.65%Oct 3, 2026: 2.15% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Traditional and Roth IRA 12-month 2.15% 2.15% 12 Months $1,000
Min Deposit $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Oct 21, 2026: 2.15% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
6-Month CD 2.10% 2.11% 6 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.11% APY · checked 8 times
1.61%2.11%2.61%Sep 19, 2026: 2.11% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
6-Month CD 2.05% 2.06% 6 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.06% APY · checked 8 times
1.56%2.06%2.56%Sep 19, 2026: 2.06% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
3-Month CD 2.00% 2.02% 3 Months -
Min Balance $25,000
Details Balance: $25,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
3-Month CD 1.95% 1.96% 3 Months -
Min Balance $10,000
Details Balance: $10,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 1.96% APY · checked 8 times
1.46%1.96%2.46%Sep 19, 2026: 1.96% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
3-Month CD 1.90% 1.91% 3 Months -
Min Balance $1,000
Details Balance: $1,000 minimum
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 1.91% APY · checked 8 times
1.41%1.91%2.41%Sep 19, 2026: 1.91% APYSep 19, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%

Security Bank Minnesota Savings Rates

Product Rate APY View More
Platinum Money Market Savings 2.25% 2.27%
Min Deposit $10,000
Min Balance $250,000
Details Balance: $250,000 and up; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Oct 3, 2026: 2.27% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.75% 1.76%
Min Deposit $10,000
Min Balance $150,000
Details Balance: $150,000 - $249,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Oct 7, 2026: 1.76% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 1.25% 1.26%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000 and up; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.25% 1.26%
Min Deposit $10,000
Min Balance $50,000
Details Balance: $50,000 - $149,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Variable Rate IRA Savings 1.25% 1.26%
Min Deposit $100
Details Individual Retirement Account (IRA); $100 min
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Oct 21, 2026: 1.26% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.00% 1.00%
Min Deposit $10,000
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 0.95% 0.95%
Min Deposit $1,000
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 0.75% 0.75%
Min Deposit $10,000
Min Balance $0
Details Balance: $.01 - $19,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 11, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Oct 11, 2026: 0.75% APYOct 11, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 0.65% 0.65%
Min Deposit $1,000
Min Balance $0
Details Balance: $.01 - $19,999.99; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 11, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Oct 11, 2026: 0.65% APYOct 11, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Economy Savings 0.25% 0.25%
Min Deposit $25
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Health Savings Account 0.25% 0.25%
Min Balance $5,000
Details Balance: $5,000.00 and up; Average daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Regular Savings 0.25% 0.25%
Min Deposit $100
Details Below $3 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Health Savings Account 0.15% 0.15%
Min Balance $100
Details Balance: $100.00-4,999.99; Average daily balance
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%

Security Bank Minnesota Money Market Rates

Product Rate APY View More
Platinum Money Market Savings 2.25% 2.27%
Min Deposit $10,000
Min Balance $250,000
Details Balance: $250,000 and up; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 3, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Oct 3, 2026: 2.27% APYOct 3, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.75% 1.76%
Min Deposit $10,000
Min Balance $150,000
Details Balance: $150,000 - $249,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Oct 7, 2026: 1.76% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 1.25% 1.26%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000 and up; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.25% 1.26%
Min Deposit $10,000
Min Balance $50,000
Details Balance: $50,000 - $149,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 1.00% 1.00%
Min Deposit $10,000
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 0.95% 0.95%
Min Deposit $1,000
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Platinum Money Market Savings 0.75% 0.75%
Min Deposit $10,000
Min Balance $0
Details Balance: $.01 - $19,999.99; Below $25 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 11, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Oct 11, 2026: 0.75% APYOct 11, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Money Market - Investment Savings 0.65% 0.65%
Min Deposit $1,000
Min Balance $0
Details Balance: $.01 - $19,999.99; Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 11, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Oct 11, 2026: 0.65% APYOct 11, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%

Security Bank Minnesota Checking Rates

Product Rate APY View More
Security Gold Checking 1.50% 1.51%
Min Deposit $10,000
Details Below $5 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Oct 21, 2026: 1.51% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Interest Checking 0.40% 0.40%
Min Deposit $500
Min Balance $2,500
Details Balance: $2,500 and up; Below $3 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Oct 7, 2026: 0.40% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Interest Checking 0.20% 0.20%
Min Deposit $500
Min Balance $500
Details Balance: $500 - $2,499.99; Below $3 service charge
Last Updated 11/06/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%

Security Bank Minnesota Other Rates

Product Rate Points APY/APR Term View More
Variable Rate H.S.A's 0.15% - 0.15%
Min Balance $100
Details Balance: $100 to $4,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 21, 2026: 0.15% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%
Variable Rate H.S.A's 0.25% - 0.25%
Min Balance $5,000
Details Balance: $5,000 & above
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Oct 21, 2026: 0.25% APYOct 21, 2026Nov 9, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 16.94%

Financial Health History

Security Bank Minnesota’s Texas Ratio rose from 0.00% in Q3 2023 to 16.94% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to B+. 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★ 8% 2.0★ 16% 3.0★ 24% 4.0★ 31% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.00% A+ Q3 2023 A+ Q4 2023 A Q1 2024 B- Q2 2024 B- Q3 2024 B Q4 2024 A- Q1 2025 A Q2 2025 A- Q3 2025 A Q4 2025 A Q1 2026 16.94% B+ 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$145M16.94%4.8B+
March 31, 2026$152M13.71%5.0A
December 31, 2025$148M13.35%5.0A
September 30, 2025$144M15.06%5.0A-
June 30, 2025$147M13.65%5.0A
March 31, 2025$149M15.30%5.0A-
December 31, 2024$145M19.77%4.6B
September 30, 2024$144M23.23%4.3B-
June 30, 2024$146M22.35%4.4B-
March 31, 2024$150M7.17%5.0A
December 31, 2023$148M4.05%5.0A+
September 30, 2023$143M0.00%5.0A+
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 Security Bank Minnesota 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 Security Bank Minnesota 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 Security Bank Minnesota's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Security Bank Minnesota
Address 437 Bridge Ave, Albert Lea, MN 56007  ·  Freeborn
Bank Holding Company LAKE BK SHARES EMPLOYEE STK OWNERSHIP PLAN
FDIC Certificate # 10984
Regulator FDIC
Established January 1, 1906
FDIC Insurance Date January 1, 1934
Domestic Offices 3
Total Branches 3
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (90/100)
Texas Ratio
16.94%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2136%
Return on Equity (ROE)
12.3200%
Non-Performing Loans Ratio (NPL)
1.71%
Total Assets
$145,059,000
Total Deposits
$125,049,000
Equity Capital
$14,649,000
Net Income
$901,000
Headquarters
Albert Lea
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026

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Frequently Asked Questions About Security Bank Minnesota

Does Security Bank Minnesota offer CDs?

Yes. Security Bank Minnesota current CD rates include its CD Specials - 19-Month at 3.86% APY, its CD Specials - 10-Month at 3.76% APY and its 60-Month CD at 2.75% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Security Bank Minnesota FDIC insured?

Yes. Security Bank Minnesota 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 Security Bank Minnesota?

The highest Security Bank Minnesota CD rate is its Certificates of Deposit Specials - 19-Month at 3.86% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Security Bank Minnesota offer?

Security Bank Minnesota CD rates are 3.76% APY for a 10 month CD, 2.15% APY for a 12 month CD, 2.30% APY for an 18 month CD, 3.86% APY for a 19 month CD, 2.35% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.65% APY for a 4 year CD and 2.75% 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 Security Bank Minnesota for its full lineup.

What is the highest savings rate at Security Bank Minnesota?

The highest Security Bank Minnesota savings rate is its Variable Rate IRA Savings at 1.26% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Security Bank Minnesota?

The highest Security Bank Minnesota money market rate is its Platinum Money Market Savings at 2.27% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Security Bank Minnesota?

The highest Security Bank Minnesota checking rate is its Security Gold Checking at 1.51% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Security Bank Minnesota operate?

Security Bank Minnesota currently maintains approximately 3 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, Security Bank Minnesota 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, Security Bank Minnesota provides members with tools to manage their accounts and build a solid financial history.

Does Security Bank Minnesota offer online and mobile banking?

Most modern institutions like Security Bank Minnesota 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.securitybankmn.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 Security Bank Minnesota rates compare?

Security Bank Minnesota's top CD rate of 3.86% APY on a 19 month CD is 32% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B+ health rating. Security Bank Minnesota's top rates are its Certificates of Deposit Specials - 19-Month at 3.86% APY, its Platinum Money Market Savings at 2.27% APY and its Security Gold Checking at 1.51% APY, verified by MonitorBankRates on November 6, 2026.

Current Security Bank Minnesota Rates

  • 12-Month CD2.15%
  • 18-Month CD2.30%
  • 24-Month CD2.35%
  • 36-Month CD2.40%
  • 48-Month CD2.55%
  • 60-Month CD2.65%
  • Savings2.27%
Retrieved from our database of financial products. Rates subject to change.