Think Bank

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.thinkbank.com

507-288-3425

5200 Members Parkway, Nw
Rochester, MN 55901

Think Bank is headquartered in ROCHESTER and is the 10^th largest bank in the state of Minnesota. It is also the 561^st largest bank in the nation. It was established in 2007 and as of March of 2025, it had grown to 255 employees at 9 locations. Think Bank's money market rates are 5X the national average, and it boasts an A+ health rating.

Reviews (2)

Write a Review

Almost Criminal

Posted by: Sadtosee | Jul 28, 2023

I deposited a cashiers check from a larger bank into this pathetic "bank". They are using my money for almost two weeks before I get to use it. This is a business account that I have used everyday for years. They treat a cashiers check from a larger bank like a personal check from a Nigerian prince. I have had to get a new debit card about every three months because of fraud. A friend of mine warned me about this problem of fraud but I did not believe him. My mistake for not listening to his warning. This bank may be run by a bunch of monkeys. Run away!

Comment

Very Poor Bank Won't Work With Customers Anymore.

Posted by: Garygreens | Mar 23, 2021

After 50 plus years doing business with this bank and always paying on time and paying my loans off and having near perfect credit, when I tried to get a $25k loan for a short term it was not even considered. Whatever information you got from the credit bureau to be fair you can also see that ALL my bills and responsibilities are paid ALWAYS ON TIME and I am perfectly (as always) capable of paying what's due. No credit given for net worth like the old days or not accepting collateral (of which I have a lot) makes it almost impossible to use your financial institution any longer. I need a bank that works with me.

Comment

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	58536
Year Established	2007
Employees	255
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	3.48%
Annual Interest Income	$18.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$2.14B$2.07B
Loans	Q1 2025vs Q1 2024	$1.22B$1.25B
Deposits	Q1 2025vs Q1 2024	$1.81B$1.76B
Equity Capital	Q1 2025vs Q1 2024	$318.7MM$291.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.3MM$6.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$1.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

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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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Think Bank; 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.

Think Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$100k^*	-	Health Savings Account
OTHER TIERS: 0.01% → $0 - $5k \| 1.45% → $5k - $20k \| 1.60% → $20k - $50k \| 1.80% → $50k - $100k
0.45%^*	$10k^*	-	Savings Account
OTHER TIERS: 0.40% → $0 - $10k

Think Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$100k^*	-	Money Market Account
OTHER TIERS: 1.45% → $5k - $20k \| 1.60% → $20k - $50k \| 1.80% → $50k - $100k

Think Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$1.5k^*	-	Preferred Interest Checking
OTHER TIERS: 0.05% → $0 - $1.5k
0.05%	$0	-	Direct Interest Checking
0.05%	$0	-	50+ Interest Checking

Think Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$50k	-	6 Month Jumbo Fixed CD
4.00%	$250	-	6 Month Fixed CD
3.85%	$50k	-	12 Month Jumbo Fixed CD
3.85%	$50k	-	1 Year Fixed Jumbo CD
3.75%	$250	-	1 Year Fixed CD
3.75%	$250	-	12 Month Fixed CD
3.65%	$50k	-	6 Month Jumbo Variable CD
3.55%	$250	-	6 Month Variable CD
3.10%	$50k	-	18 Month Fixed Jumbo CD
3.10%	$50k	-	1 Year Jumbo Variable CD
3.00%	$250	-	18 Month Fixed CD
3.00%	$250	-	1 Year Variable CD
2.95%	$50k	-	2 Year Fixed Jumbo CD
2.85%	$250	-	2 Year Fixed CD
2.85%	$50k	-	30 Month Fixed Jumbo CD
2.85%	$50k	-	3 Year Fixed Jumbo CD
2.85%	$50k	-	4 Year Fixed Jumbo CD
2.85%	$50k	-	5 Year Fixed Jumbo CD
2.75%	$250	-	30 Month Fixed CD
2.75%	$250	-	3 Year Fixed CD
2.75%	$250	-	4 Year Fixed CD
2.75%	$250	-	5 Year Fixed CD
2.35%	$50k	-	3 Month Jumbo Fixed CD
2.25%	$250	-	3 Month Fixed CD

Think Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$50k	-	6 Month Jumbo Fixed IRA
4.00%	$250	-	6 Month Fixed IRA
3.85%	$50k	-	1 Year Fixed Jumbo IRA
3.75%	$250	-	1 Year Fixed IRA
3.65%	$50k	-	6 Month Jumbo Variable IRA
3.55%	$250	-	6 Month Variable IRA
3.10%	$50k	-	18 Month Fixed Jumbo IRA
3.10%	$50k	-	1 Year Jumbo Variable IRA
3.00%	$250	-	18 Month Fixed IRA
3.00%	$250	-	1 Year Variable IRA
2.95%	$50k	-	2 Year Fixed Jumbo IRA
2.85%	$250	-	2 Year Fixed IRA
2.85%	$50k	-	30 Month Fixed Jumbo IRA
2.85%	$50k	-	3 Year Fixed Jumbo IRA
2.85%	$50k	-	4 Year Fixed Jumbo IRA
2.85%	$50k	-	5 Year Fixed Jumbo IRA
2.75%	$250	-	30 Month Fixed IRA
2.75%	$250	-	3 Year Fixed IRA
2.75%	$250	-	4 Year Fixed IRA
2.75%	$250	-	5 Year Fixed IRA
2.35%	$50k	-	3 Month Jumbo Fixed IRA
2.25%	$250	-	3 Month Fixed IRA
1.75%	$50k	-	30 Day Jumbo IRA
1.65%	$250	-	30 Day IRA

Locations

Think Bank Locations
Apple Valley Branch	15751 Emperor Ave	Apple Valley, MN 55124
Green Meadows Branch	1698 Greenview Drive Sw	Rochester, MN 55901
Rochester Downtown Branch	221 1st Ave Sw Suite 101	Rochester, MN 55902
West River Pkwy Branch	253 Penny Lane Ne	Rochester, MN 55906
Eagan Branch	4245 Johnny Cake Ridge Rd	Eagan, MN 55122
Shoppes On Maine Branch	4638 Maine Avenue Se	Rochester, MN 55904
Think Mutual Bank	5200 Members Pkwy Nw	Rochester, MN 55901
Rochester Branch	5201 Members Pkwy NW	Rochester, MN 55901
Edina Branch	3655 Hazelton Road	Edina, MN 55435

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.