Bank · FDIC insured
Richland State Bank Savings Rates
Richland State Bank’s best savings rate is 0.70% APY on $10,000, with its Passbook Savings. Rates checked October 22, 2026.
How Richland State Bank’s savings rates compare
Compared with banks and credit unions near Brookings, SD, where Richland State Bank has the most branches. $10,000, best rate first.
This bank’s best
Richland State Bank
0.70%APY
- Minimum
- $10
- Earns on $10,000 a year
- $70
Passbook Savings
Top rate
Dacotah Bank
1.50%APY
- Minimum
- $100
- Earns on $10,000 a year
- $150
3rd-highest rate
Dakotaland Federal Credit Union
0.50%APY
- Minimum
- $0
- Earns on $10,000 a year
- $50
Richland State Bank savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.70%
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 Richland State 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.
Passbook Savings
0.70%APY
Variable rate; may change after opening. Accounts must be opened in person.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 0.70% | $70 |
| $50,000 – $100,000 | 0.80% | — |
| $100,000 – $250,000 | 0.90% | — |
| Over $250,000 | 1.01% | — |
Sources (1)
- richlandstate.org/online/produ…s/rates-on-deposits.html · captured Sep 19, 2026
Money Market Account
0.65%APY
All new customer accounts must be opened in person. Variable rate account; interest rate and annual percentage yield may change at bank discretion at any time after account opening. $1,000 minimum balance stated for account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 0.65% | $65 |
| $50,000 – $100,000 | 0.75% | — |
| $100,000 – $250,000 | 0.85% | — |
| Over $250,000 | 0.95% | — |
Sources (1)
- richlandstate.org/online/produ…s/rates-on-deposits.html · captured Sep 19, 2026
Super Now Account
0.60%APY
Variable rate; may change after opening. Accounts must be opened in person.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.60% | $60 |
Sources (1)
- richlandstate.org/online/produ…s/rates-on-deposits.html · captured Sep 19, 2026
Regular Now Account
0.40%APY
Variable rate; may change after opening. Accounts must be opened in person.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.40% | $40 |
Sources (1)
- richlandstate.org/online/produ…s/rates-on-deposits.html · captured Sep 19, 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.