Bank · FDIC insured
Bell Bank Savings Rates
Top CarrotBell Bank’s best savings rate is 1.16% APY on $10,000, with its Premier Money Market Savings. Rates checked October 22, 2026.
How Bell Bank’s savings rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Bell Bank has the most branches. $10,000, best rate first.
This bank’s best
Bell Bank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
Premier 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
Bell Bank savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.06%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0003.01%
- QualifiedQualified1.16%
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 Bell Bank 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.
Elite Money Market Savings
3.01%APY
Minimum balance of $25,000 is required to earn interest and avoid service fees. No service fee if minimum balance of $25,000 is maintained; $10 service fee if minimum balance is not maintained. Not available for business accounts. 6 free withdrawals or debits per monthly statement period ($5 fee for each withdrawal over 6 in a monthly statement period). Variable interest compounded monthly. Option to use as overdraft protection on a Bell checking account (enrollment required). Interest rate is paid on the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $100,000$10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. | 3.01% | — | $10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. |
| $100,000 – $500,000$10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. | 3.01% | — | $10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. |
| $500,000 – $1,000,000$10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. | 3.01% | — | $10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. |
| $1,000,000 and up$10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. | 3.01% | — | $10 service fee if minimum balance of $25,000 is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. $5 fee for each withdrawal over 6 in a monthly statement period. Not available for business accounts. |
Sources (4)
All captured Sep 19, 2026
Premier Money Market Savings
1.16%APY
Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $100,000$10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. | 1.16% | $116 | $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. |
| $100,000 – $500,000$10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. | 1.26% | — | $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. |
| $500,000 – $1,000,000$10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. | 1.36% | — | $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. |
| $1,000,000 and up$10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. | 1.36% | — | $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly. |
Money Market Savings
1.06%APY
Minimum balance of $500 to earn interest and avoid service fees. No service charge if minimum balance of $500 is maintained. Interest earned each day balance is $500 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and up$10 service fee if minimum balance is not maintained. Variable rate. Paid monthly.$500 and up | 1.06% | $106 | $10 service fee if minimum balance is not maintained. Variable rate. Paid monthly. |
Regular Savings
0.20%APY
APY is variable and may change after account is opened. Interest compounded quarterly and earned each day the balance is $50 or more. $2 monthly service fee is waived if a minimum average monthly balance of $50 is maintained. Includes 6 free withdrawals or debits per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest compounded quarterly. $2 monthly service fee waived with $50 minimum average monthly balance.$50 and up | 0.20% | $20 | Interest compounded quarterly. $2 monthly service fee waived with $50 minimum average monthly balance. |
Special-purpose accounts
IRA Variable Rate Savings
3.56%APY
Variable rate individual retirement account. APY is variable and may change monthly. APY assumes interest remains on deposit until maturity; withdrawals reduce earnings. No annual fees, commissions, or hidden charges. Must open at a Bell Bank location.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest paid monthly. Variable rate may change monthly. No annual fees.$50 and up | 3.56% | $356 | Interest paid monthly. Variable rate may change monthly. No annual fees. |
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.