Stearns Bank National Association

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.stearns-bank.com

320-253-6607

4191 Second Street South
Saint Cloud, MN 56301

Stearns Bank National Association is headquartered in SAINT CLOUD and is the 5^th largest bank in the state of Minnesota. It is also the 393^rd largest bank in the nation. It was established in 1912 and as of March of 2025, it had grown to 499 employees at 7 locations. Stearns Bank National Association's money market rates are 7X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10988
Year Established	1912
Employees	499
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.41%
Return on Equity - YTD	-2.44%
Annual Interest Income	$68.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$3.16B$3.16B
Loans	Q1 2025vs Q1 2024	$2.79B$2.55B
Deposits	Q1 2025vs Q1 2024	$2.5B$2.33B
Equity Capital	Q1 2025vs Q1 2024	$515.5MM$563.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$83.6MM$78MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$60.2MM$13.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$23.4MM$19.2MM

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Stearns Bank National Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.20%^*	$500k^*	-	Above the Norm Market Savings
OTHER TIERS: 1.00% → $0 - $100k \| 2.02% → $100k - $500k
3.20%^*	$500k^*	-	BusinessSmart Market Savings
OTHER TIERS: 1.00% → $0 - $100k \| 2.02% → $100k - $500k

Stearns Bank National Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$25k^*	-	BusinessSmart Checking
OTHER TIERS: 0.25% → $0 - $25k
0.40%^*	$15k^*	-	Above the Norm Checking
OTHER TIERS: 0.20% → $0 - $15k

Stearns Bank National Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.23%	$500	-	9 Month CD
4.23%	$500	-	Business 9 Month CD
4.16%	$500	-	12 Month CD
4.16%	$500	-	Business 12 Month CD
4.16%	$500	-	12 month Smart CD Special
3.71%	$500	-	24 Month CD
3.71%	$500	-	Business 24 Month CD

Locations

Cities: Albany, Holdingford, Jasper, Pine City, Saint Cloud, Saint Petersburg, Sarasota, Scottsdale, Upsala, Venice

Albany Branches
Albany Branch	140 5th Street	Albany, MN 56307

Holdingford Branches
Stearns Bank Holdingford National Association	580 Main St	Holdingford, MN 56340

Jasper Branches
Jasper Banking Company Branch	100 Mark Whitfield Street	Jasper, GA 30143

Pine City Branches
Pine City Branch	600 Hillside Avenue Sw	Pine City, MN 55063

Saint Cloud Branches
Stearns Bank National Association	4191 2nd St S	Saint Cloud, MN 56301

Saint Petersburg Branches
St Petersburg (Gateway) Branch	7555 Dr. Martin Luther King, Jr. Street North	Saint Petersburg, FL 33702

Sarasota Branches
Sarasota (Links) Branch	22 South Links Avenue	Sarasota, FL 34236

Scottsdale Branches
Stearns Bank Arizona National Association Branch	9225 East Shea Boulevard	Scottsdale, AZ 85260

Upsala Branches
Stearns Bank Upsala National Association	105 S Main St	Upsala, MN 56384

Venice Branches
Venice Branch	201 Center Road	Venice, FL 34285

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