Overview / Commentary
4191 Second Street South
Saint Cloud, MN 56303

Stearns Bank National Association is headquartered in Saint Cloud and is the 3rd largest bank in the state of Minnesota. It is also the 428th largest bank in the nation. It was established in 1912 and as of September of 2018, it had grown to 372 employees at 8 locations. Stearns Bank National Association's money market rates are 5X the national average, and it has an A health rating.

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Health Grade Components

FDIC Certificate #10988
Year Established1912
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.95%
Return on Equity - YTD14.55%
Annual Interest Income$109.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.93B$1.96B
LoansQ3 2018vs Q3 2017$1.85B$1.77B
DepositsQ3 2018vs Q3 2017$1.47B$1.54B
Equity CapitalQ3 2018vs Q3 2017$405.7MM$368.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$60.7MM$57.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$21.3MM$12.8MM
Real Estate OwnedQ3 2018vs Q3 2017$750.00K$6.9MM
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Always verify rates and promotions with the bank or credit union. We are not Stearns Bank National Association; we are a rate comparison website and cannot provide official rates or promotions.

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

Stearns Bank National Association Savings Account Rates

1.01%--IRA Savings
0.50%--Personal Savings

Stearns Bank National Association Money Market Rates

2.02%$100k-Above the Norm Money Market
1.01%*$90k*-Stearns Select Money Market
OTHER TIERS: 0.50% Up to $25k | 0.75% $25k - $90k

Stearns Bank National Association Checking Account Rates

1.01%$20k$250kBusiness Best Interest Checking
0.50%--NOW Checking
0.50%--Stearns 55+ NOW Checking

Stearns Bank National Association CD Rates

3.00%$2.5k-4 Year CD
3.00%$2.5k-5 Year CD
3.00%$90k-3 Year Jumbo CD
3.00%$90k-4 Year Jumbo CD
3.00%$90k-5 Year Jumbo CD
3.00%$90k-Business 3 Year Jumbo CD
3.00%$2.5k-Business 4 Year CD
3.00%$90k-Business 4 Year Jumbo CD
3.00%$2.5k-Business 5 Year CD
3.00%$90k-Business 5 Year Jumbo CD
3.00%$2.5k-3 Year CD Special
3.00%$2.5k-Business 3 Year CD Special
2.60%$2.5k-24 Month CD
2.60%$2.5k-Business 24 Month CD
2.41%$2.5k-18 Month Trade-a-Rate CD
2.41%$2.5k-Business 18 Month Trade-a-Rate CD
2.25%$2.5k-12 Month CD
2.25%$2.5k-Business 12 Month CD
1.75%$2.5k-9 Month CD
1.75%$2.5k-Business 9 Month CD
1.51%$2.5k-6 Month CD
1.51%$2.5k-Business 6 Month CD
1.26%$2.5k-3 Month CD
1.26%$2.5k-Business 3 Month CD


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