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 76–90 results in North Dakota
- 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: Minimum opening deposit of $100. $5.00 monthly fee if balance falls below $100; fee and minimum balance requirement waived for minors under 18 years old. Limited to 6 preauthorized, automatic, telephone, or electronic transfers/withdrawals per statement period.
Offer: Must maintain a $0.01 balance to obtain APY. $5.00 monthly fee applies if balance falls below $100; waived for minors under age 18.
0.20% interest rate · $5 monthly fee · Effective Jul 8, 2026
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
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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
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More details - 0.15%APY$15 a year on $10,000
0.15% interest rate · Effective Dec 15, 2025
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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
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More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Required for credit union membership.
Effective Oct 15, 2026
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More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership required. Rates are subject to change.
Effective Oct 1, 2026
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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
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More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $10.00 Member Fee
Offer: $10.00 Member Fee; Early withdrawal subject to penalty
Effective May 1, 2023
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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
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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
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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
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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 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%
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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