Stearns Bank National Association

TODAY'S FEATURED RATES

Member FDIC

4.54%

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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 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

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.30%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.39%

Our Rating

3.6 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

See Offer

Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

See Offer

Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 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 6^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 December of 2024, it had grown to 487 employees at 7 locations. Stearns Bank National Association's money market rates are 7X the national average, and it has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10988
Year Established	1912
Employees	487
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.56%
Return on Equity - YTD	9.23%
Annual Interest Income	$273.5MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$3.14B$3.09B
Loans	Q4 2024vs Q4 2023	$2.64B$2.48B
Deposits	Q4 2024vs Q4 2023	$2.53B$2.21B
Equity Capital	Q4 2024vs Q4 2023	$536.5MM$556.3MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$79.7MM$78.9MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$47MM$22.8MM
Real Estate Owned	Q4 2024vs Q4 2023	$23.9MM$14.5MM

TODAY'S FEATURED RATES

Member FDIC

4.54%

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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.30%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.39%

Our Rating

3.6 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

See Offer

Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

See Offer

Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 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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