Compare Bank & Credit Union Rates
Best savings rates in Bismarck, ND
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Bismarck, ND
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.50%APY$150 a year on $10,000
1.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - Kirkwood BankMoney Market CheckingMoney Market Checking · $2,500 min · 0.85%–1.21% by balance
Bank · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: 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.
Offer: Tier 5. A $5 monthly service charge applies if account balance falls below $2500.
0.85% interest rate · $5 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Over $0 0.85% $2,500 and upTier 4. 0.95% $10,000 and upYour amountTier 3. 1.00% $50,000 and upTier 2. 1.11% $100,000 and upTier 1. 1.21% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Membership requires living within 75-mile radius of Bismarck/Mandan area. Open one share ($5.00) for eligibility.
1.00% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.21% $50,000 – $99,999 1.41% $100,000 – $249,999 1.61% $250,000 – $499,999 1.81% $500,000 and up 2.02% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Account earns interest. Fees could reduce earnings. Rates may change any time after opening account.
Offer: Tier 2. Rates may change any time after opening account. Fees could reduce earnings.
0.65% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Over $0 0.65% $5,000 and upYour amountTier 1. 0.75% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $25 monthly service charge avoided by maintaining a minimum balance of $10,000. Earns CD bonus rate (additional 0.10% on 1st term for standard fixed-rate CDs).
Offer: $25 monthly service charge waived with $10,000 minimum balance.
0.75% interest rate · $25 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Capital Credit Union of North DakotaMoney Market AccountMoney Market Account · $2,500 min · 0.20%–1.77% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Must qualify for membership: live within 75 miles of Bismarck, Fargo, Hazen or Flasher; 50 miles of Beulah or New Salem; or have an immediate family member who lives within 50 miles of Bismarck. Regular monthly fee of $10 applies if account balance falls below $2,500 minimum. Must maintain $2,500 minimum account balance to earn dividends. Preauthorized or automatic transfers limited to six per month.
Offer: Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500.
0.20% interest rate · $10 monthly fee · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.20% $10,000 – $24,999Your amountStated APY range is 0.20%-0.38%. 0.50%* $25,000 – $49,999Stated APY range is 0.38%-0.44%. 0.50%* $50,000 – $99,999Stated APY range is 0.44%-0.50%. 0.55%* $100,000 – $249,999Stated APY range is 0.50%-1.11%. 1.51%* $250,000 – $499,999Stated APY range is 1.11%-1.44%. 1.77%* $500,000 – $999,999Stated APY range is 1.44%-1.23%. 1.01%* $1,000,000 – $1,500,000Stated APY range is 1.23%-1.15%. 1.01%* Rate checked
More details - Railway Credit UnionRegular SavingsSavings · $100 min · 0.25%–1.76% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Interest earned on daily balances over $100.00. No monthly service fees. Free E-services (CU Online, E-Statements, Mobile App), direct deposit, and debit card (certain restrictions apply).
0.25% interest rate · No monthly fee · Effective Oct 1, 2024
Rate by balance
Rate by balance for Regular Savings Balance APY $100 – $5,000 0.25% $5,000 – $25,000Your amount 0.45% $25,000 – $100,000 0.70% $100,000 – $250,000 1.21% $250,000 and up 1.76% Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 5 branches
0.35%APY$35 a year on $10,000Requirements
Product: Monthly service charge of $10 if minimum balance falls below $500.
Offer: $10 monthly fee if balance falls below $500.
0.35% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $500 – $25,000Your amount 0.35% $25,000 – $100,000 0.35% $100,000 – $250,000 0.50% $250,000 – $500,000 1.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $4 monthly service charge avoided by maintaining a minimum balance of $100. Tiered interest earned each day balance is above $100.
Offer: $4 monthly service charge waived with $100 minimum balance.
0.10% interest rate · $4 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.10% $1,000 and up 0.20% $10,000 and upYour amount 0.30% $25,000 and up 0.40% Rate checked
More details - First Community Credit UnionKasasa SaverSavings · $0 min · 0.17%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Requires a linked free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.
Offer: Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for this tier (at least 12 debit card purchases, enrolled in eStatements, enrolled in/log into online banking during monthly qualification cycle).
Qualified rate · 0.25% interest rate · No monthly fee · Effective Nov 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 0.25% $25,000 and up 0.17% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: $50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $100 is maintained or for ages 17 and under.
0.15% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $200 is maintained or for ages 17 and under.
0.10% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Bismarck, ND
26 accounts at 10 banks and credit unions · checked Oct 16–22
- Typical
- 0.13%
- Top 10% from
- 1.25%
- Banks, typical
- 0.13%
- Credit unions, typical
- 0.15%
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Bismarck, ND metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 2 branches
- Capital Credit Union of North DakotaCredit union · 8 branches