Bank · FDIC insured
Bank Forward Savings Rates
Bank Forward’s best savings rate is 1.10% APY on $10,000, with its Forward Money Market Savings. Rates checked October 22, 2026.
How Bank Forward’s savings rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Bank Forward has the most branches. $10,000, best rate first.
This bank’s best
Bank Forward
1.10%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $110
Forward Money Market Savings
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Bank Forward savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank Forward ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Forward Money Market Savings
1.10%APY
Tiered interest rates, interest paid monthly. No monthly service fee with $5000.00 minimum daily balance; $25.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $100,000 | 1.10% | $110 |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 1.60% | — |
| $500,000 – $2,000,000 | 1.60% | — |
| $2,000,000 and up | 2.00% | — |
Sources (2)
- bankforward.com/bank/personal/…ngs/money-market-account
- bankforward.com/learning-cente…e-current-interest-rates
All captured Oct 22, 2026
Money Market Savings
0.50%APY
Tiered interest rates, interest paid monthly. No monthly service fee with $1000.00 minimum daily balance; $10.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 and up | 1.10% | — |
Sources (2)
- bankforward.com/bank/personal/…ngs/money-market-account
- bankforward.com/learning-cente…e-current-interest-rates
All captured Oct 22, 2026
Regular Savings
0.20%APY
Digital Banking access with free E-Statements and notices. Three free withdrawals per month ($2 per transaction for additional withdrawals). Monthly service fees and excess withdrawal fees are waived until reaching age 21, or if primary account holder is age 65 or older. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upNo monthly service fee with $200 minimum daily balance ($4 monthly service fee if minimum balance is not met daily). Monthly service fees and excess withdrawal fees waived until age 21 or if primary account holder is age 65 or older. Rates are variable and may change after account is opened.$200 and up | 0.20% | $20 | No monthly service fee with $200 minimum daily balance ($4 monthly service fee if minimum balance is not met daily). Monthly service fees and excess withdrawal fees waived until age 21 or if primary account holder is age 65 or older. Rates are variable and may change after account is opened. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Savings Account
1.60%APY
Individual Retirement Account options include Traditional, Roth, SEP, and Non-Deductible IRAs. No minimum contribution per year requirement. Insured by the FDIC up to $250,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rates are variable and may change after account is opened.Over $0 | 1.60% | $160 | Rates are variable and may change after account is opened. |
Sources (2)
- bankforward.com/bank/personal/…ras-traditional-roth-sep
- bankforward.com/learning-cente…e-current-interest-rates
All captured Oct 22, 2026
Health Savings Account
0.25%APY
Established to pay for qualified medical expenses not covered by high deductible health plans. Contributions are tax-deductible; withdrawals for qualified expenses are tax-free. At age 65, funds can be used for eligible medical expenses or withdrawn at normal tax rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rates are variable and may change after account is opened. Monthly service fee of $3. No minimum deposit to open.Over $0 | 0.25% | $25 | Rates are variable and may change after account is opened. Monthly service fee of $3. No minimum deposit to open. |
Sources (2)
- bankforward.com/bank/personal/…s/health-savings-account
- bankforward.com/learning-cente…e-current-interest-rates
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.