Bank · FDIC insured
ONE AMERICAN BANK Savings Rates
ONE AMERICAN BANK’s best savings rate is 3.00% APY on $10,000, with its Premium+. Rates checked October 22, 2026.
How ONE AMERICAN BANK’s savings rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where ONE AMERICAN BANK has the most branches. $10,000, best rate first.
This bank’s best
ONE AMERICAN BANK
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
Premium+
2nd-highest rate
Citi
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
3rd-highest rate
Explorers Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
ONE AMERICAN BANK savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.30%
- QualifiedQualified3.00%
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 ONE AMERICAN 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.
Savings+
2.40%APY
$2 monthly maintenance fee avoided by maintaining a $10,000 relationship balance (sum of average daily balances for primary, household demand deposit accounts plus current balance of time deposit accounts). Rate and APY may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.00% | — |
| $10,000 – $25,000 | 2.40% | $240 |
| $25,000 – $50,000 | 2.80% | — |
| $50,000 and up | 3.30% | — |
Sources (4)
- oneamericanbank.com
- oneamericanbank.com/personal/savings
- oneamericanbank.com/rate/savings
- oneamericanbank.com/rates
All captured Oct 4, 2026
Premium+
3.00%APY
$100 minimum opening balance. The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.00% | — |
| $2,500 – $10,000 | 2.00% | — |
| $10,000 and up | 3.00% | $300 |
Sources (1)
- oneamericanbank.com/rates · captured Oct 15, 2026
Simply Savings
1.00%APY
$1 monthly maintenance fee avoided by maintaining at least a $300 average daily balance or adding a direct deposit (table lists fee as $3 avoided with average daily balance > $300 or monthly direct deposit). Rate and APY may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $300 | 0.25% | — |
| $300 – $1,000 | 0.75% | — |
| $1,000 and up | 1.00% | $100 |
Sources (2)
All captured Oct 4, 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.