Compare Bank & Credit Union Rates
Best savings rates in North Dakota
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in North Dakota
- 0.75%APY$75 a year on $10,000
Requirements
Product: Savings rates shown are illustrative. Bring a driver's license or photo ID and Social Security card to open.
Offer: Average daily balances must be $100 or greater to earn interest on savings accounts. Rates shown are illustrative.
0.75% interest rate
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: No service charges if account does not drop below $2,500. Limited to six withdrawals or transfers each statement cycle.
Offer: No service charges if account does not drop below $2,500. Limited to six withdrawals or transfers each statement cycle.
0.75% interest rate · Effective Nov 4, 2025
Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - Community Credit UnionMarket ShareMarket Share · $1,000 min · 0.65%–1.00% by balance
Credit union · 3 branches
0.65%APY$65 a year on $10,000Effective May 1, 2023
Rate by balance
Rate by balance for Market Share Balance APY $1,000 – $99,999Your amount 0.65% $100,000 – $249,999 0.75% $250,000 and up 1.00% Rate checked
More details - Fargo Public Schools Federal Credit UnionMoney Market SavingsMoney Market Savings · $500 min · 0.50%–1.00% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $500 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 0.80% $50,000 and up 1.00% Rate checked
More details - Dakota Plains Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.50%–0.80% by balance
Credit union · 3 branches
0.60%APY$60 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 0.70% $50,000 and up 0.80% 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 - Service Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.55%–2.50% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. If at any time during the month the money market daily balance drops below $2,500.00, a fee of $5 will be assessed. Fees could reduce the earnings on the account. Variable rates subject to change without notice.
Offer: Tier 1. Minimum balance to earn dividends is $2,500.00. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00.
0.55% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.55% $25,000 – $100,000Tier 2. 0.70% $100,000 and upTier 3. 2.50% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 3 branches
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 3.00% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Minimum balance of $1,000.00 required. Dividends are compounded and paid monthly. Maximum of 3 checks per month. Excessive withdrawals fee of $10.00 per withdrawal in excess of 3 per month; minimum balance fee of $10.00 per month. All deposited funds earn the rate for the tier. Variable rate subject to change at any time.
Offer: All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. Minimum balance fee of $10.00 per month applies if minimum balance not maintained.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $5,001 0.50% $5,001 – $10,001Your amount 0.55% $10,001 – $25,001 0.85% $25,001 and up 0.60% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Limited to six withdrawals or transfers each statement cycle.
Offer: Limited to six withdrawals or transfers each statement cycle.
0.55% interest rate · No monthly fee · Effective Nov 4, 2025
Rate checked
More details - Magnifi FinancialMoney MarketMoney Market · $2,500 min · 0.50%–1.15% by balance
Credit union · 2 branches
0.55%APY$55 a year on $10,000Requirements
Product: Opening deposit of $2,500.00 is required to open an account; that balance does not need to be maintained. No monthly fees or penalties. Can be used for overdraft protection on Magnifi Financial checking account.
Offer: Dividends compound monthly. Rates subject to change without notice.
0.50% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.50% $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.65% $50,000 – $99,999 0.85% $100,000 – $149,999 0.95% $150,000 and up 1.15% 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 · 12 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 - Bank ForwardMoney Market SavingsMoney Market Savings · $1,000 min · 0.50%–1.10% by balance
Bank · 10 branches
0.50%APY$50 a year on $10,000Requirements
Product: Tiered interest rates, interest paid monthly. No monthly service fee with $1000.00 minimum daily balance; $10.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
0.50% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 1.10% 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
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 North Dakota
122 accounts at 49 banks and credit unions · checked Oct 16–22
- Typical
- 0.30%
- Top 10% from
- 1.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
North Dakota
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
- Service Credit UnionCredit union · 1 branch