Stearns Bank National Association CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (2024)

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Stearns Bank National Association Deposit Rates

Today's 12-month CD rates can be found at 0.25%, 6-month CD rates at 4.50% and 3-month CD rates at 1.26%. Current savings rates are at 0.50% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 7.30%. Credit Card rates are at 12.24%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Stearns Bank National Association CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Stearns Bank National Association, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Stearns Bank National Association CD rates. You can also compare Stearns Bank National Association savings rates, MMA rates and mortgage rates using our other rate lists.

Stearns Bank National Association money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Stearns Bank National Association? Share your experience about Stearns Bank National Association by leaving a review below, or read customer reviews before you decide to use Stearns Bank National Association.

Stearns Bank National Association Texas Ratio

Stearns Bank National Association's Texas Ratio is at 9.13%, which is considered excellent. The Texas Ratio for Stearns Bank National Association is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Stearns Bank National Association is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.78%

18-Month CD

N/A

2.43%

24-Month CD

N/A

2.37%

36-Month CD

N/A

2.22%

48-Month CD

N/A

2.11%

60-Month CD

N/A

2.24%

Savings

N/A

0.86%

MMA

N/A

1.54%

30-Year Fixed

N/A

6.93%

Credit Card

N/A

14.06%

Personal Loan

N/A

11.27%

Stearns Bank National Association

4191 2nd St S
Saint Cloud, MN 56301

https://www.stearnsbank.com

MonitorBankRates' Rating

5/5

★★★★★

Review Stearns Bank National Association

Compare Stearns Bank National Association Rates with Other Competitive Bank and Credit Union Rates

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60-Month CD

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48-Month CD

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18-Month CD

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Mortgage Rates July 1, 2024

1st Northern California Credit Union

7-Year Fixed

4.990%

5.287%

0.500

Savings Bank of Danbury

5/1 ARM

4.750%

5.507%

0.000

Savings Bank of Danbury

7/1 ARM

5.000%

5.531%

0.000

Freedom Credit Union

5/1 ARM

5.500%

5.540%

0.000

Freedom Credit Union

15 Year Fixed

5.500%

5.568%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

1st Northern California Credit Union

10-Year Fixed

5.500%

5.716%

0.500

1st Northern California Credit Union

15-Year Fixed

5.625%

5.777%

0.500

Meridian Trust Federal Credit Union

15 Year Fixed

5.625%

5.786%

0.000

Chase Bank

15-Year Fixed

5.625%

5.799%

0.000

Navy Federal Credit Union

15-Year Fixed

5.625%

5.820%

0.250

McCoy Federal Credit Union

10 Year Fixed

5.500%

5.820%

0.000

Mutual Security Credit Union

7/1 ARM

5.750%

5.834%

0.000

Institution for Savings

15-Year Fixed

5.500%

5.868%

2.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.750%

5.883%

0.500

NESC Federal Credit Union

5/5 ARM

5.750%

5.886%

0.000

Investment Savings Bank

3/1 ARM

6.000%

5.892%

0.000

State Employees Credit Union

10-Year Fixed

5.675%

5.894%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.675%

5.894%

0.000

Hawaii State Federal Credit Union

15 Year Fixed

5.500%

5.908%

2.000

Wells Fargo

15 Year Fixed

5.625%

5.941%

1.000

One Nevada Credit Union

15 Year Fixed

5.750%

5.954%

1.000

Piedmont Advantage Credit Union

20-Year Fixed

5.750%

5.957%

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Wrentham Co-operative Bank

15-Year Fixed

5.875%

5.970%

0.000

Wrentham Co-operative Bank

15-Year Fixed (Jumbo)

5.875%

5.970%

0.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Stearns Bank National Association rate data right now, check back for updates, we are adding rates all the time.

Stearns Bank National Association Information

Stearns Bank National Association

4191 2nd St S
Saint Cloud, MN 56301
Stearns
Established Date: 05/28/1912
FDIC Certificate #: 10988
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: STEARNS FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN

How Many Domestic U.S. Offices? 7

How Many Branches are There? 7

Website: https://www.stearnsbank.com

Is Stearns Bank National Association FDIC Insured? Yes

What is Stearns Bank National Association's Cert number? 10988

What is the maximum amount for insured deposits? $250,000 per holder, per account

Stearns Bank National Association Financials

Total Assets:

$2,721,777,000

Total Deposits:

$2,101,375,000

Equity Capital:

$557,039,000

Domestic Deposits:

$2,101,375,000

Net Income:

$11,868,000

Return on Assets:

2.6664%

Quarterly Return on Assets:

1.9200%

Pretax Return on Assets:

2.5741%

Pretax Quarterly Return on Assets:

2.5700%

Return on Equity:

11.0900%

Quarterly Return on Equity:

8.5700%

Common Equity Tier 1 Capital Ratio:

25.9499%

Tier 1 Risk-Based Capital Ratio:

25.9499%

Leverage Tier 1 (Core Capital) Ratio:

26.4205%

Total Risk-Based Capital Ratio (YTD):

27.2169%

Total Interest Income (YTD):

7.0873%

Headquarters:

Saint Cloud

FDIC Field Office:

Minneapolis

Regulator:

OCC

County:

Stearns

# of Offices:

Metropolitan Statistical Area (MSA):

St. Cloud, MN

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Kansas City

Source: FDIC

Explore Other Rate Deals

Refinance Rates: Current Refinance Rates at 4.04%

Refinance Rates are highertoday following bond yields higher.Current refinance rates on 30 year home loans are averaging 4.04%, up from yesterday's average refinance rate of 4.02%. Today's refinance rates on 15 yearhome loans are averaging3.33%, up from yesterday's average 15 year refinancerate of 3.27%.

E-Loan CD Rates

E-Loan, a subsidiary of Banco Popular North America, is advertising certificates of deposit with terms ranging between 1 month and 6 years. E-Loan's minimum opening deposit and minimum balance requirement to earn the CD rate and yield is $10,000.E-Loan’s bank CD rates are tiered but currently allhave the same CDrates and yields regardless of the account balance.

Freddie Says Mortgage Rates Remain Low

Freddie Mac (FMCC.OB), one of the government sponsored enterprises created by the U.S. Congress, releases a weekly mortgage survey. In this week's Primary Mortgage Market Survey both 30 year and 15 year fixed conforming mortgage interest rates were lower.

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