Savings & Money Market Accounts

Savings Accounts


  • Competitive rates. Higher rates paid on higher balances. (A non-interest savings account option is also available.)*
  • Access by phone, online or in person.
  • Direct deposit, ACH and automatic transfers.
  • e-Statements or paper statements.


  • Savings accounts and all other deposit accounts at Think are FDIC insured.

Money Market Accounts

Money market accounts are best for people who prefer the guaranteed security of a savings account, but would like to earn more interest than regular savings accounts typically offer.


  • Higher interest rates than savings accounts.*
  • No minimum balance requirement - interest is earned on average monthly balances of $5,000 and higher.
  • Access funds online, by phone, by ATM or in person.
  • Direct deposit, ACH and automatic transfers.
  • e-Statements or paper statements (view an example).

* If the combined balance of a deposit relationship in savings or money market accounts exceeds $5,000,000.00, balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account.
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Member FDIC - NMLSR ID 440195

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Think Mutual Bank

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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.