Compare Bank & Credit Union Rates
Best savings rates in Fargo, ND
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Fargo, ND
- First Community Credit UnionKasasa SaverSavings · $0 min · 0.17%–0.25% by balance
Credit union · 3 branches
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: $2,500 minimum daily balance required to avoid $10 service fee in each monthly statement cycle. Free basic wallet or duplicate checks (customer pays shipping).
Offer: $2,500 minimum daily balance required to avoid $10 monthly service fee.
$10 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Number of monthly withdrawals allowed may be limited.
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Digital Banking access with free E-Statements and notices. Three free withdrawals per month ($2 per transaction for additional withdrawals). Monthly service fees and excess withdrawal fees are waived until reaching age 21, or if primary account holder is age 65 or older. Interest paid quarterly.
Offer: No monthly service fee with $200 minimum daily balance ($4 monthly service fee if minimum balance is not met daily). Monthly service fees and excess withdrawal fees waived until age 21 or if primary account holder is age 65 or older. Rates are variable and may change after account is opened.
0.20% interest rate · $4 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: APY is variable and may change after account is opened. Interest compounded quarterly and earned each day the balance is $50 or more. $2 monthly service fee is waived if a minimum average monthly balance of $50 is maintained. Includes 6 free withdrawals or debits per calendar month.
Offer: Interest compounded quarterly. $2 monthly service fee waived with $50 minimum average monthly balance.
0.20% interest rate · Compounded quarterly · $2 monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $50 minimum daily balance required to avoid $2 service fee in each monthly statement cycle. Minimum daily balance waived on personal accounts for ages 18 and under. Free basic wallet or duplicate checks (customer pays shipping).
Offer: $50 minimum daily balance required to avoid $2 monthly service fee; fee waived for ages 18 and under.
$2 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum $5 deposit required to open and keep membership share open.
0.15% interest rate · No monthly fee
Rate checked
More details - Empeople Credit UnionSecondary Share (Sub-Share Savings Account)Savings · $0 min
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: No minimum deposit or daily balance required; open up to 7 sub-shares in digital banking.
0.15% interest rate · No monthly fee
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 - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum balance or penalties. Can be used for overdraft protection on your Magnifi Financial checking account.
0.15% interest rate · Effective Nov 1, 2025
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 - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: All amounts earn 0.05% APY / dividend rate.
0.05% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Applies to all amounts.
0.05% interest rate · Effective Aug 1, 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 Fargo, ND
67 accounts at 22 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.10%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.25%
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Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches