Personal Deposit Rates

Interest Rates and Annual Percentage Yields are accurate as of March 28, 2023. Rates may change without notice. Fees may reduce earnings and interest rate may change after account is opened.

Bremer Select BankingSM

Minimum to open: $100

Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
n/a n/a n/a
Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier n/a Minimum Balance to Obtain APY1 n/a Interest Rate n/a Annual Percentage Yield (APY) n/a

Bremer Benefit Banking

Minimum to open: $100

Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$0.01 0.10% 0.10%
Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier n/a Minimum Balance to Obtain APY1 $0.01 Interest Rate 0.10% Annual Percentage Yield (APY) 0.10%

Bremer Choice BankingSM

Minimum to open: $100

Balance Tier2 Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$20,000+ $20,000 0.25%* 0.25%*
$0.01-$19,999.99 $0.01 0.25%* 0.25%*
Balance Tier2 Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier2 $20,000+ Minimum Balance to Obtain APY1 $20,000 Interest Rate 0.25%* Annual Percentage Yield (APY) 0.25%*
Balance Tier2 $0.01-$19,999.99 Minimum Balance to Obtain APY1 $0.01 Interest Rate 0.25%* Annual Percentage Yield (APY) 0.25%*

*Interest rates are determined by meeting certain qualifying criteria. If criteria are not met, the interest rate is 0.10% and the APY is 0.10%.

Private Banking

Minimum to open: $100

Balance Tier Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
$20,000+ $20,000 1.00% 1.00%
$0.01-$19,999.99 $0.01 0.50% 0.50%
Balance Tier Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
Balance Tier $20,000+ Minimum Balance to Obtain APY $20,000 Interest Rate 1.00% Annual Percentage Yield (APY) 1.00%
Balance Tier $0.01-$19,999.99 Minimum Balance to Obtain APY $0.01 Interest Rate 0.50% Annual Percentage Yield (APY) 0.50%

Regular Savings

Minimum to open: $50 (under age 21, no minimum)

Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
n/a $0.01 0.30% 0.30%
Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier n/a Minimum Balance to Obtain APY1 $0.01 Interest Rate 0.30% Annual Percentage Yield (APY) 0.30%

Money Market

Minimum to open: $1,000

Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$5,000+ $5,000 1.00% 1.00%
$1,000-$4,999.99 $1,000 0.75% 0.75%
$0.01-$999.99 $0.01 0.50% 0.50%
Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier $5,000+ Minimum Balance to Obtain APY1 $5,000 Interest Rate 1.00% Annual Percentage Yield (APY) 1.00%
Balance Tier $1,000-$4,999.99 Minimum Balance to Obtain APY1 $1,000 Interest Rate 0.75% Annual Percentage Yield (APY) 0.75%
Balance Tier $0.01-$999.99 Minimum Balance to Obtain APY1 $0.01 Interest Rate 0.50% Annual Percentage Yield (APY) 0.50%

Money Market PremierSM

Minimum to open: $10,000

Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$7,500,000+ $7,500,000 2.25% 2.27%
$5,000,000-$7,499,999.99 $5,000,000 2.15% 2.17%
$2,500,000-$4,999,999.99 $2,500,000 2.10% 2.12%
$1,000,000-$2,499,999.99 $1,000,000 2.00% 2.02%
$750,000-$999,999.99 $750,000 2.00% 2.02%
$500,000-$749,999.99 $500,000 1.50% 1.51%
$250,000-$499,999.99 $250,000 1.25% 1.26%
$100,000-$249,999.99 $100,000 1.15% 1.16%
$10,000-$99,999.99 $10,000 1.00% 1.00%
$0.01-$9,999.99 $0.01 1.00% 1.00%
Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier $7,500,000+ Minimum Balance to Obtain APY1 $7,500,000 Interest Rate 2.25% Annual Percentage Yield (APY) 2.27%
Balance Tier $5,000,000-$7,499,999.99 Minimum Balance to Obtain APY1 $5,000,000 Interest Rate 2.15% Annual Percentage Yield (APY) 2.17%
Balance Tier $2,500,000-$4,999,999.99 Minimum Balance to Obtain APY1 $2,500,000 Interest Rate 2.10% Annual Percentage Yield (APY) 2.12%
Balance Tier $1,000,000-$2,499,999.99 Minimum Balance to Obtain APY1 $1,000,000 Interest Rate 2.00% Annual Percentage Yield (APY) 2.02%
Balance Tier $750,000-$999,999.99 Minimum Balance to Obtain APY1 $750,000 Interest Rate 2.00% Annual Percentage Yield (APY) 2.02%
Balance Tier $500,000-$749,999.99 Minimum Balance to Obtain APY1 $500,000 Interest Rate 1.50% Annual Percentage Yield (APY) 1.51%
Balance Tier $250,000-$499,999.99 Minimum Balance to Obtain APY1 $250,000 Interest Rate 1.25% Annual Percentage Yield (APY) 1.26%
Balance Tier $100,000-$249,999.99 Minimum Balance to Obtain APY1 $100,000 Interest Rate 1.15% Annual Percentage Yield (APY) 1.16%
Balance Tier $10,000-$99,999.99 Minimum Balance to Obtain APY1 $10,000 Interest Rate 1.00% Annual Percentage Yield (APY) 1.00%
Balance Tier $0.01-$9,999.99 Minimum Balance to Obtain APY1 $0.01 Interest Rate 1.00% Annual Percentage Yield (APY) 1.00%

Money Market Reserve

Minimum to open: $100,000

Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$250,000+ $250,000 1.25% 1.26%
$100,000-$249,999.99 $100,000 1.15% 1.16%
$0.01-$99,999.99 $0.01 1.00% 1.00%
Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier $250,000+ Minimum Balance to Obtain APY1 $250,000 Interest Rate 1.25% Annual Percentage Yield (APY) 1.26%
Balance Tier $100,000-$249,999.99 Minimum Balance to Obtain APY1 $100,000 Interest Rate 1.15% Annual Percentage Yield (APY) 1.16%
Balance Tier $0.01-$99,999.99 Minimum Balance to Obtain APY1 $0.01 Interest Rate 1.00% Annual Percentage Yield (APY) 1.00%

Health Savings

Minimum to open: $100

Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
$10,000+ $10,000 0.30% 0.30%
$5,000-$9,999.99 $5,000 0.20% 0.20%
$1,000-$4,999.99 $1,000 0.20% 0.20%
$0.01-$999.99 $0.01 0.20% 0.20%
Balance Tier Minimum Balance to Obtain APY1 Interest Rate Annual Percentage Yield (APY)
Balance Tier $10,000+ Minimum Balance to Obtain APY1 $10,000 Interest Rate 0.30% Annual Percentage Yield (APY) 0.30%
Balance Tier $5,000-$9,999.99 Minimum Balance to Obtain APY1 $5,000 Interest Rate 0.20% Annual Percentage Yield (APY) 0.20%
Balance Tier $1,000-$4,999.99 Minimum Balance to Obtain APY1 $1,000 Interest Rate 0.20% Annual Percentage Yield (APY) 0.20%
Balance Tier $0.01-$999.99 Minimum Balance to Obtain APY1 $0.01 Interest Rate 0.20% Annual Percentage Yield (APY) 0.20%

Certificate of Deposit & IRA Certificate of Deposit

Minimum to open: $500

Fixed Rate Term Minimum Balance to Obtain APY3 Interest Rate4 Annual Percentage Yield (APY)4
60+ months $25,000 3.00% 3.00%
60+ months $10,000 2.75% 2.75%
60+ months $0.01 2.50% 2.50%
48-59 months $25,000 2.75% 2.75%
48-59 months $10,000 2.60% 2.60%
48-59 months $0.01 2.50% 2.50%
36-47 months $25,000 2.60% 2.60%
36-47 months $10,000 2.50% 2.50%
36-47 months $0.01 2.25% 2.25%
24-35 months $25,000 1.75% 1.75%
24-35 months $10,000 1.60% 1.60%
24-35 months $0.01 1.50% 1.50%
12-23 months $25,000 1.40% 1.40%
12-23 months $10,000 1.35% 1.35%
12-23 months $0.01 1.30% 1.30%
6-11 months $25,000 1.00% 1.00%
6-11 months $10,000 0.90% 0.90%
6-11 months $0.01 0.85% 0.85%
3-5 months $25,000 0.90% 0.90%
3-5 months $10,000 0.80% 0.80%
3-5 months $0.01 0.70% 0.70%
0-90 days $25,000 0.75% 0.75%
0-90 days $10,000 0.50% 0.50%
0-90 days $0.01 0.40% 0.40%
Fixed Rate Term Minimum Balance to Obtain APY3 Interest Rate4 Annual Percentage Yield (APY)4
Fixed Rate Term 60+ months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 3.00% Annual Percentage Yield (APY)4 3.00%
Fixed Rate Term 60+ months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 2.75% Annual Percentage Yield (APY)4 2.75%
Fixed Rate Term 60+ months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 2.50% Annual Percentage Yield (APY)4 2.50%
Fixed Rate Term 48-59 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 2.75% Annual Percentage Yield (APY)4 2.75%
Fixed Rate Term 48-59 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 2.60% Annual Percentage Yield (APY)4 2.60%
Fixed Rate Term 48-59 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 2.50% Annual Percentage Yield (APY)4 2.50%
Fixed Rate Term 36-47 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 2.60% Annual Percentage Yield (APY)4 2.60%
Fixed Rate Term 36-47 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 2.50% Annual Percentage Yield (APY)4 2.50%
Fixed Rate Term 36-47 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 2.25% Annual Percentage Yield (APY)4 2.25%
Fixed Rate Term 24-35 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 1.75% Annual Percentage Yield (APY)4 1.75%
Fixed Rate Term 24-35 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 1.60% Annual Percentage Yield (APY)4 1.60%
Fixed Rate Term 24-35 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 1.50% Annual Percentage Yield (APY)4 1.50%
Fixed Rate Term 12-23 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 1.40% Annual Percentage Yield (APY)4 1.40%
Fixed Rate Term 12-23 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 1.35% Annual Percentage Yield (APY)4 1.35%
Fixed Rate Term 12-23 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 1.30% Annual Percentage Yield (APY)4 1.30%
Fixed Rate Term 6-11 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 1.00% Annual Percentage Yield (APY)4 1.00%
Fixed Rate Term 6-11 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 0.90% Annual Percentage Yield (APY)4 0.90%
Fixed Rate Term 6-11 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 0.85% Annual Percentage Yield (APY)4 0.85%
Fixed Rate Term 3-5 months Minimum Balance to Obtain APY3 $25,000 Interest Rate4 0.90% Annual Percentage Yield (APY)4 0.90%
Fixed Rate Term 3-5 months Minimum Balance to Obtain APY3 $10,000 Interest Rate4 0.80% Annual Percentage Yield (APY)4 0.80%
Fixed Rate Term 3-5 months Minimum Balance to Obtain APY3 $0.01 Interest Rate4 0.70% Annual Percentage Yield (APY)4 0.70%
Fixed Rate Term 0-90 days Minimum Balance to Obtain APY3 $25,000 Interest Rate4 0.75% Annual Percentage Yield (APY)4 0.75%
Fixed Rate Term 0-90 days Minimum Balance to Obtain APY3 $10,000 Interest Rate4 0.50% Annual Percentage Yield (APY)4 0.50%
Fixed Rate Term 0-90 days Minimum Balance to Obtain APY3 $0.01 Interest Rate4 0.40% Annual Percentage Yield (APY)4 0.40%

  1. Based on daily collected balance. Daily collected balance does not include deposited funds that are uncollected. Fees may reduce earnings and interest rate may change after account is opened.

  2. Refer to Truth in Savings disclosure for qualification details.

  3. Based on daily balance.

  4. You will be paid the interest rate until the maturity date of the CD. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

See Account Agreements for additional details.

© 2022 Bremer Financial Corporation.

Deposit products offered by Bremer Bank. Member FDIC.