Compare Bank & Credit Union Rates
Best savings rates in Minot, 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 Minot, ND
- Tel-U-Watt Federal Credit UnionShare Deposit AccountsShare Deposit Accounts · $5 min
Credit union · 1 branch
3.25%APY$325 a year on $10,000intro rateRequirements
Offer: Rates subject to change quarterly. Deposit limit of $5,000 per family per month. Dividends are paid quarterly.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: Serving the employees of SRT Communications and Xcel Energy since 1934. Deposit limit of $5,000 per family per month. Dividends are paid quarterly. Rates subject to change quarterly.
Offer: Rates are subject to change quarterly. Dividends are paid quarterly. Deposit limit of $5,000 per family per month.
Effective Jul 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 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 - 1.15%APY$115 a year on $10,000
Requirements
Product: Rates are subject to change. AFFCU membership required.
Offer: Upper bound of stated APY range (0.90% \u2013 1.15% APY).
Effective Oct 1, 2026
Rate checked
More details - Town and Country Credit UnionMoney Market AccountMoney Market Account · $1,000 min
Credit union · 4 branches
1.00%APY$100 a year on $10,000Requirements
Offer: Dividends accrue daily and are paid monthly based on the average daily balance.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.90%APY$90 a year on $10,000
Requirements
Product: Rates are subject to change. AFFCU membership required.
Offer: Lower bound of stated APY range (0.90% \u2013 1.15% APY).
Effective Oct 1, 2026
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 - 0.55%APY$55 a year on $10,000
Requirements
Offer: Terms and conditions apply. Please visit or call 701.857.4430 for more information and the most up-to-date rates.
0.55% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tier-rated for interest rate. Higher interest rate for savings. Minimum balance of $500.
Effective Oct 15, 2026
Rate by balance
Rate by balance for Bonus Shares Balance APY $500 – $25,000Your amount 0.50% $25,000 – $150,000 0.60% $150,000 and up 0.80% Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 2 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 - 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Minot, ND
30 accounts at 11 banks and credit unions · checked Oct 16–22
- Typical
- 0.13%
- Top 10% from
- 2.00%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.53%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Minot, ND metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Aspire Credit UnionCredit union · 1 branch
- Affinity First Federal Credit UnionCredit union · 1 branch
- Town and Country Credit UnionCredit union · 5 branches