Bank · FDIC insured
Kirkwood Bank Savings Rates
Kirkwood Bank’s best savings rate is 1.00% APY on $10,000, with its Money Market Checking. Rates checked October 22, 2026.
How Kirkwood Bank’s savings rates compare
Compared with banks and credit unions near Bismarck, ND, where Kirkwood Bank has the most branches. $10,000, best rate first.
This bank’s best
Kirkwood Bank
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Checking
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Dacotah Bank
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Kirkwood Bank savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.21%
- QualifiedQualified1.00%
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 Kirkwood 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.
Money Market Checking
Up to 1.00%APY
A $5 per month service charge is assessed if account falls below $2500. Rates may change any time after opening account. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Tier 5. A $5 monthly service charge applies if account balance falls below $2500. | 0.85% | $85 | Tier 5. A $5 monthly service charge applies if account balance falls below $2500. |
| $2,500 and upTier 4. A $5 monthly service charge applies if account balance falls below $2500. | 0.95% | $95 | Tier 4. A $5 monthly service charge applies if account balance falls below $2500. |
| $10,000 and upTier 3. A $5 monthly service charge applies if account balance falls below $2500. | 1.00% | $100 | Tier 3. A $5 monthly service charge applies if account balance falls below $2500. |
| $50,000 and upTier 2. A $5 monthly service charge applies if account balance falls below $2500. | 1.11% | — | Tier 2. A $5 monthly service charge applies if account balance falls below $2500. |
| $100,000 and upTier 1. A $5 monthly service charge applies if account balance falls below $2500. | 1.21% | — | Tier 1. A $5 monthly service charge applies if account balance falls below $2500. |
Sources (2)
All captured Oct 15, 2026
Statement Savings
Up to 0.75%APY
Account earns interest. Fees could reduce earnings. Rates may change any time after opening account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Tier 2. Rates may change any time after opening account. Fees could reduce earnings. | 0.65% | $65 | Tier 2. Rates may change any time after opening account. Fees could reduce earnings. |
| $5,000 and upTier 1. Rates may change any time after opening account. Fees could reduce earnings. | 0.75% | $75 | Tier 1. Rates may change any time after opening account. Fees could reduce earnings. |
Sources (2)
All captured Oct 15, 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.