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 46–60 results in North Dakota
- Heartland State BankHeartland Tiered MMDAHeartland Tiered MMDA · $2,500 min · 0.20%–1.51% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: There is a $6.00 fee any month that the account falls below the minimum balance of $2,500. Interest rate and APY may change after account opening. Fees could reduce earnings. Compounding is monthly.
Offer: Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500.
0.20% interest rate · $6 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Heartland Tiered MMDA Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 – $200,000 1.26% $200,000 and up 1.51% Rate checked
More details - Dakota West Credit UnionBadlands Gold SavingsSavings · $5,000 min · 0.50%–0.75% by balance
Credit union · 8 branches
0.50%APY$50 a year on $10,000Requirements
Product: $10 Monthly Maintenance Fee if accounts fall below minimum balance.
Offer: Tier 1
0.50% interest rate · $10 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Badlands Gold Savings Balance APY $5,000 – $24,999Your amount 0.50% $25,000 – $74,999Tier 2 0.60% $75,000 and upTier 3 0.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Must maintain membership and a $5.00 minimum balance to keep account open.
Offer: Dividends are compounded and credited quarterly using the daily dividend - threshold rate method. Closing account before dividends are paid forfeits accrued dividends.
Rate checked
More details - Western Cooperative Credit UnionFirst Freedom SavingsSavings · $2,500 min · 0.25%–2.25% by balance
Credit union · 8 branches
0.50%APY$50 a year on $10,000Requirements
Product: Opening balance required: $2,500.00.
0.25% interest rate · Effective Apr 21, 2026
Rate by balance
Rate by balance for First Freedom Savings Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 1.00% $50,000 – $100,000 1.25% $100,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.25% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $10,000 minimum daily balance required to avoid $20 service fee in each monthly statement cycle. Free basic wallet or duplicate checks and free Cashier's Checks. Tiered interest rates.
Offer: $10,000 minimum daily balance required to avoid $20 monthly service fee.
$20 monthly fee
Rate by balance
Rate by balance for Premier Investment Savings Balance APY Up to $49,999Your amount 0.50% $50,000 – $99,999 0.65% $100,000 – $249,999 1.30% $250,000 and up 1.80% Rate checked
More details - Railway Credit UnionRegular SavingsSavings · $100 min · 0.25%–1.76% by balance
Credit union · 3 branches
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 - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.45% interest rate · No monthly fee
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: The rate may change after the account is opened. Fees could reduce earnings on the account.
Offer: Tier 1. Minimum balance of $100 to avoid maintenance charge.
0.35% interest rate · Effective Jan 1, 2023
Rate by balance
Rate by balance for Personal Savings Balance APY Any balance 0.35% $10,000 and upYour amountTier 2. 0.45% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Offer: Tier 1. Minimum balance to avoid maintenance charge: $100.
0.35% interest rate
Rate by balance
Rate by balance for Passbook Savings Balance APY Any balance 0.35% $10,000 and upYour amountTier 2. 0.45% Rate checked
More details - Postal Family FCUMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 0.45%–0.55% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $1,000 – $49,999Your amount 0.45% $50,000 – $99,999 0.50% $100,000 and up 0.55% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Debit card purchases are automatically rounded up to the next whole dollar amount and transferred from checking. Must enroll in Digital Services and eStatements to earn a higher dividend rate. No monthly fees or penalties. Withdraw funds at anytime without losing dividends. Can be used for overdraft protection.
Offer: Must enroll in Digital Services and eStatements to earn a higher dividend rate.
0.45% interest rate · No monthly fee · Effective Nov 1, 2025
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Minimum required to open and maintain account is $5.00 par value share. Limited to six (6) withdrawals or transfers per month by pre-authorized/automatic/online/phone/fax/check/debit order.
Offer: Disclosed rate applies to balances >$5.00.
0.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 35 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 - American State Bank & Trust (Williston)Personal SavingsSavings · $100 min · 0.30%–1.66% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: $10 Quarterly Service Fee if balance falls below $100 minimum balance. Interest accrued daily, compounded and credited quarterly. Calculated using the daily balance method.
Offer: $100 Minimum Balance to avoid Service Fee and earn interest.
0.30% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Personal Savings Balance APY $100 – $99,999Your amount 0.30% $100,000 – $499,999 0.75% $500,000 – $999,999 1.26% $1,000,000 and up 1.66% Rate checked
More details - American State Bank & Trust (Williston)Money MarketMoney Market · $1,000 min · 0.30%–1.71% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account. Interest rate and APY may change after the account is opened. Interest is calculated using the daily balance method.
Offer: Must maintain the minimum balance noted for each tier in order to earn the disclosed APY.
0.30% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $99,999Your amount 0.30% $100,000 – $499,999 0.60% $500,000 – $999,999 1.21% $1,000,000 and up 1.71% 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