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 16–30 results in North Dakota
- Kirkwood BankMoney Market CheckingMoney Market Checking · $2,500 min · 0.85%–1.21% by balance
Bank · 4 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 - Town and Country Credit UnionMoney Market AccountMoney Market Account · $1,000 min
Credit union · 10 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 - 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 - 0.90%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 - BankNorthMoney Market AccountsMoney Market Accounts · $2,500 min · 0.85%–1.71% by balance
Bank · 9 branches
0.85%APY$85 a year on $10,000Requirements
Product: The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).
Offer: Average daily balance up to $24,999.99. Rate may change after account opening. Fees may reduce earnings.
0.85% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $25,000Your amount 0.85% $25,000 – $100,000 1.36% $100,000 – $250,000 1.61% $250,000 – $500,000 1.66% $500,000 and up 1.71% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 4 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - University Federal Credit UnionSavings AccountsSavings · $25 min · 0.70%–0.80% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Initial $25.00 deposit makes you a member/owner entitled to quarterly savings dividend tiered based on the amount of money in the account. Declared Dividends for Third Quarter 2026.
Offer: Declared Dividends for Third Quarter 2026.
0.70% interest rate
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $2,500 0.70% $2,500 – $9,999 0.75% $10,000 and upYour amount 0.80% Rate checked
More details - Hometown Credit UnionSuper Share Savings (S2)Savings · $0 min · 0.50%–1.71% by balance
Credit union · 5 branches
0.80%APY$80 a year on $10,000Requirements
Product: No minimum balance required to open or maintain account. Once a tier range is met, the rate applies to the full balance. Limited to six (6) withdrawals or transfers per month by pre-authorized/automatic/online/phone/fax/check/debit order.
0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Share Savings (S2) Balance APY Up to $9,999 0.50%* $10,000 – $50,000Your amount 0.80%* $50,000 – $100,000 1.11%* $100,000 – $250,000 1.41%* $250,000 and up 1.71%* Rate checked
More details - 0.80%APY$80 a year on $10,000
0.80% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
Offer: The interest rate and annual percentage yield may change after account opening. Minimum balance to obtain APY: None.
0.40% interest rate · Effective May 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.40% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.01% $50,000 – $100,000 1.26% $100,000 and up 1.51% 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 - 0.75%APY$75 a year on $10,000
Requirements
Product: Minimum balance to avoid $10.00 monthly fee is $1,000. Limit of 6 preauthorized/automatic/telephone/check/debit transfers per statement period; unlimited in-person, messenger, mail, or ATM withdrawals. Interest compounded and credited monthly using the daily balance method. Free basic checks every order, no charge debit card, ATM fee refunds up to $12.00/month with receipt within 30 days. Must maintain a $0.01 balance to obtain APY.
Offer: $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY.
0.75% interest rate · $10 monthly fee · Effective Jul 8, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.75% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 – $250,000 1.26% $250,000 and up 1.26% Rate checked
More details - United Savings Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $2,500 min · 0.75%–2.00% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are accrued on a tiered scale based on the total balance in the account and paid quarterly.
No monthly fee · Effective Feb 4, 2026
Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $2,500 – $25,000Your amount 0.75% $25,001 – $100,000 1.50% $100,000 and up 2.00% Rate checked
More details - Fargo VA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.50%–1.25% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Minimum balance to earn stated APY is $2,500.00.
Offer: Minimum balance to earn stated APY is $2,500.00.
Effective Apr 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 and up 1.25% 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