Rochester, Minnesota (MN) Savings Rates - March 2026
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The savings 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.
The best savings rates for Rochester, Minnesota and the surrounding area include Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union130 23rd Ave SW, Rochester, MN 55902A+5.0 ★Texas Ratio: 0.10% Premium Money Market Savings at 3.40% APY, Minnesota FirstMinnesota First1932 Viking Dr Nw, Rochester, MN 55901A+5.0 ★Texas Ratio: 2.01% Premium High Yield Savings Account at 2.75% APY, Foresight BankForesight Bank1921 Highway 52 North, Rochester, MN 55901A+5.0 ★Texas Ratio: 4.40% Youth Savings at 2.42% APY, Altra Federal Credit UnionAltra Federal Credit Union123 16th AVE SW STE 500, ROCHESTER, MN 55902 1935A+5.0 ★Texas Ratio: 4.67% Health Savings Account (HSA) at 0.75% APY, and First Alliance Credit UnionFirst Alliance Credit Union501 16th St SE, Rochester, MN 55904A5.0 ★Texas Ratio: 9.69% IRA Savings, Roth & Coverdell at 0.60% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Rochester, Minnesota, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Rochester, Minnesota (MN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Rochester, Minnesota and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Rochester, Minnesota & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Premium High Yield Savings Account
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Premium High Yield Savings Account
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Youth Savings
2.42%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Premium High Yield Savings Account
2.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Youth Savings
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Money Market Savings
2.30%
$0
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.30%
$0
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Youth Savings
2.22%
$0
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Youth Savings
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Premium High Yield Savings Account
2.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Money Market Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Premium Money Market Savings
1.85%
$0
▼
Rate1.84%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Money Market Savings
1.85%
$0
▼
Rate1.84%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Money Market Savings
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings Account
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings Account
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Health Savings
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Money Market Savings
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Youth Savings
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
High-Interest Savings
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Foresight Savings
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
High-Interest Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Foresight Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
High-Interest Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1921 Highway 52 North, Rochester, MN 55901
Foresight Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
123 16th AVE SW STE 500, ROCHESTER, MN 55902 1935
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
IRA Savings, Roth & Coverdell
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Health Savings
0.50%
$5
▼
Rate0.50%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
*Rate may change after account is opened. **APY = Annual Percentage Yield.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
IRA & ESA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Variable rate may change after account is open.
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
123 16th AVE SW STE 500, ROCHESTER, MN 55902 1935
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Regular Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Health Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Regular Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Pet Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Sub-Share Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
WINcentive Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Regular Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Main Share Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
Regular Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3482 55th St NW, Rochester, MN 55901 0123
Business Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3482 55th St NW, Rochester, MN 55901 0123
Wincentive® Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
All balances
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3482 55th St NW, Rochester, MN 55901 0123
Shares II Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
All balances
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3482 55th St NW, Rochester, MN 55901 0123
Membership Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
All balances
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
3482 55th St NW, Rochester, MN 55901 0123
Business Shares II
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rate may change after account is opened.
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
331 16th Ave Nw, Rochester, MN 55901
Thrift Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
21 1st St Sw, Rochester, MN 55902
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
21 1st St Sw, Rochester, MN 55902
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
21 1st St Sw, Rochester, MN 55902
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
21 1st St Sw, Rochester, MN 55902
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Rochester, MN Savings Rate Trends
Compare local Rochester, MN savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MN Avg
1.186%
▲ 0.348 from last week
Minnesota high-yield savings rates rose 0.348 points this week to 1.186% APY, up from 0.838% last week.
Standard Savings — MN Avg
0.409%
▼ 0.064 from last week
Minnesota standard savings rates fell 0.064 points this week to 0.409% APY, down from 0.473% last week.
As of Mar 27, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Rochester, Minnesota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Rochester, Minnesota. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Rochester, Minnesota
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Minnesota, help your money grow faster through a higher APY.
Are savings accounts in Rochester, Minnesota safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Minnesota up to $250,000 per depositor, per institution.
How often do savings rates change in Rochester, Minnesota?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Minnesota rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Rochester, Minnesota may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Rochester, Minnesota?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Rochester, Minnesota offer in-person customer service, which some customers prefer.
How do I open a savings account in Rochester, Minnesota?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Rochester, Minnesota
Here are recent savings rates observed in Rochester, Minnesota and the surrounding area:
- Mayo Employees Federal Credit Union
Premium Money Market Savings — 3.40% APY - Minnesota First
Premium High Yield Savings Account — 2.75% APY - Foresight Bank
Youth Savings — 2.42% APY - Altra Federal Credit Union
Health Savings Account (HSA) — 0.75% APY - First Alliance Credit Union
IRA Savings, Roth & Coverdell — 0.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Rochester, Minnesota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
