Security National Bank of South Dakota Savings & Money Market Rates

How Security National Bank of South Dakota’s savings rates compare

Compared with banks and credit unions near Sioux Falls, SD-MN, where Security National Bank of South Dakota has the most branches. $10,000, best rate first.

This bank’s best
Security National Bank of South Dakota
0.15%APY
Minimum
$1
Earns on $10,000 a year
$15
Serious on Savings (SOS) Account
Top rate
ONE AMERICAN BANK
3.00%APY
Minimum
$100
Earns on $10,000 a year
$300
ONE AMERICAN BANK rates
2nd-highest rate
Citi
3.00%APY
Minimum
$0
Earns on $10,000 a year
$300
Citi rates

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Savings score

Higher than 22% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.15%
$100,000 balance$100,0002.00%
QualifiedQualified0.15%

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.

How the score works →

Where Security National Bank of South Dakota 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.

Sidekick Savings

3.50%APY$1,000 to open

Eligibility requirement: must be opening a new Security National Bank Certificate of Deposit (put up to half of funds into Sidekick Savings) or be the owner of an existing maturing Security National Bank CD (utilizing some or all proceeds). Additional deposits restricted to funds from matured SNB CD or made in conjunction with opening a new CD. Six transfers/withdrawals allowed per statement cycle ($1.00 fee per excess transaction).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate. Requires opening a new SNB CD or having a maturing SNB CD. $1.00 fee for each transfer/withdrawal over 6 per month.Any balance	3.50%	$350	Variable rate. Requires opening a new SNB CD or having a maturing SNB CD. $1.00 fee for each transfer/withdrawal over 6 per month.

Sources (2)

All captured Oct 4, 2026

Money Market Gold Plus

1.50%APY$25,000 to open

Minimum opening deposit of $25,000. Monthly maintenance fee of $25.00 applies if average daily balance falls below $25,000 during the month. $1.00 fee for each transaction exceeding 6 per month (non-SNB ATM transactions excluded). $1.50 non-SNB ATM fee waived if maintaining an average daily balance of $15,000 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Interest rate of 1.49% paid on the entire balance if average daily balance is $100,000 or less.	1.50%	$150	Interest rate of 1.49% paid on the entire balance if average daily balance is $100,000 or less.
$25,000 and up	1.50%	—
$100,000 and upInterest rate of 1.98% paid only for that portion of average daily balance that is greater than $100,000; APY ranges from 1.50% to 1.75% depending on balance.	2.00%	—	Interest rate of 1.98% paid only for that portion of average daily balance that is greater than $100,000; APY ranges from 1.50% to 1.75% depending on balance.

Sources (3)

All captured Sep 19, 2026

Money Market Gold Plus Savings

Up to 1.75%APY$25,000 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 – $100,000Monthly maintenance fee of $25.00 if average daily balance falls below $25,000. $1.00 fee for transactions exceeding 6 per month. Rate 1.49% paid on entire balance if avg daily balance is $100,000 or less.	1.50%	—	Monthly maintenance fee of $25.00 if average daily balance falls below $25,000. $1.00 fee for transactions exceeding 6 per month. Rate 1.49% paid on entire balance if avg daily balance is $100,000 or less.
$100,000 and upMonthly maintenance fee of $25.00 if average daily balance falls below $25,000. $1.00 fee for transactions exceeding 6 per month. Interest rate 1.98% paid on portion of balance >$100,000. APY ranges from 1.50% to 1.75% depending on balance.	1.75%	—	Monthly maintenance fee of $25.00 if average daily balance falls below $25,000. $1.00 fee for transactions exceeding 6 per month. Interest rate 1.98% paid on portion of balance >$100,000. APY ranges from 1.50% to 1.75% depending on balance.

Sources (3)

All captured Sep 19, 2026

Money Market Gold

0.15%APY$2,500 to open

Minimum opening deposit of $2,500. Monthly maintenance fee of $7.00 applies if average daily balance falls below $2,500 during the month. $1.00 fee for each transaction exceeding 6 per month (non-SNB ATM transactions excluded). $1.50 non-SNB ATM fee waived if maintaining an average daily balance of $15,000 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,499	0.10%	—
$2,500 – $39,999	0.15%	$15
$40,000 – $99,999	0.17%	—
$100,000 and up	0.20%	—

Sources (3)

All captured Sep 19, 2026

Serious on Savings (SOS) Account

0.15%APY$1 to open

Receive a direct deposit or monthly transfer from another SNB account of $25.00 or more into an SOS account to avoid the $3.99 monthly maintenance fee. One withdrawal per statement cycle allowed ($5.99 for each additional withdrawal; ATM withdrawals charged $5.99).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Tier applies to balances under $500. Monthly maintenance fee of $3.99 applies each month the minimum monthly transfer/direct deposit of $25 is not made.	0.10%	—	Tier applies to balances under $500. Monthly maintenance fee of $3.99 applies each month the minimum monthly transfer/direct deposit of $25 is not made.
$500 and upTier applies to balances $500 and over. Monthly maintenance fee of $3.99 applies each month the minimum monthly transfer/direct deposit of $25 is not made.	0.15%	$15	Tier applies to balances $500 and over. Monthly maintenance fee of $3.99 applies each month the minimum monthly transfer/direct deposit of $25 is not made.

Sources (3)

All captured Oct 4, 2026

Special-purpose accounts

Variable Rate IRA

2.50%APYIRA

Individual Retirement Account (IRA) variable rate plan. Subject to IRS rules and qualification. Rates may change after account is opened.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate IRA deposit. Rates may change after account is opened effective through calendar quarter.Any balance	2.50%	$250	Variable rate IRA deposit. Rates may change after account is opened effective through calendar quarter.

Sources (2)

All captured Oct 4, 2026

Health Savings Account

0.50%APYHSA

Must meet IRS qualifications to open under a high-deductible health plan (HDHP). $1.50 monthly maintenance fee. $25 service fee at account opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Tier applies to balances less than $2,500.	0.25%	—	Tier applies to balances less than $2,500.
$2,500 – $10,000Tier applies to balances $2,500-$9,999.	0.40%	—	Tier applies to balances $2,500-$9,999.
$10,000 and upTier applies to balances $10,000 and up.	0.50%	$50	Tier applies to balances $10,000 and up.

Sources (3)

All captured Oct 4, 2026

Regular Statement Savings Account

0.10%APYAge limits$50 to open

Up to two withdrawals allowed per month; three or more are $1.00 each (Non-SNB ATM transactions not counted in limit). $2.00 monthly maintenance fee charged if balance falls below $200 on any day of the month (minors exempt).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo monthly maintenance fee with a minimum daily balance of $200; otherwise $2.00/month (waived for minors).Any balance	0.10%	$10	No monthly maintenance fee with a minimum daily balance of $200; otherwise $2.00/month (waived for minors).

Sources (3)

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.

Visit institution website ↗Branches and institution details

← Security National Bank of South Dakota overview

How Security National Bank of South Dakota’s savings rates compare

Security National Bank of South Dakota savings score

Current savings rates

Sidekick Savings

Money Market Gold Plus

Money Market Gold Plus Savings

Money Market Gold

Serious on Savings (SOS) Account

Special-purpose accounts

Variable Rate IRA

Health Savings Account

Regular Statement Savings Account

Opening an account