Compare Bank & Credit Union Rates
Best savings rates in Sioux Falls, SD
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Sioux Falls, SD
- 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable rate product that could adjust monthly. $10,000.00 minimum daily balance to waive $10/month maintenance fee. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $10,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening.
0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $10,000Your amount 0.10% $10,000 – $50,000 0.50% $50,000 – $100,000 1.51% $100,000 – $250,000 1.87% $250,000 – $500,000 2.07% Over $500,000 2.78% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $2 is eliminated when you carry a daily balance of $100 or more. Paper statements optional for $3 per month.
Offer: Monthly fee of $2 eliminated with daily balance of $100 or more.
0.10% interest rate · $2 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Great Rate Savings Balance APY Up to $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $100,000 0.10% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - Security National Bank of South DakotaRegular Statement Savings AccountSavings · $50 min
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Up to two withdrawals allowed per month; three or more are $1.00 each (Non-SNB ATM transactions not counted in limit). $2.00 monthly maintenance fee charged if balance falls below $200 on any day of the month (minors exempt).
Offer: No monthly maintenance fee with a minimum daily balance of $200; otherwise $2.00/month (waived for minors).
0.10% interest rate · $2 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $200 minimum daily balance is maintained in the month, or for clients under 24 years of age. $10 fee for excess withdrawals over 6 per month.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.25% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $2.00 per month fee applies to accounts with paper statements, but can be waived with enrollment in eStatements. Rates are variable and may change after account opening.
Offer: $2.00 per month fee for paper statements, waived with eStatements. Interest rate and APY may change after account opening.
0.10% interest rate · $2 monthly fee · Effective Jan 14, 2022
Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Eligible for Net Zero and Community Impact Deposits.
Offer: Monthly maintenance fee of $10 is waived if a daily balance of $1,000 or greater is maintained every day of the month. $1.50 quarterly paper statement fee waived if enrolled in eStatements.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Advantage Savings Balance APY Up to $1,000 0.05% $1,000 – $10,000 0.06% $10,000 and upYour amount 0.08% Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
Rate checked
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
Rate checked
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
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required opening account for every Voyage member, and the first $5 you deposit stays put, serving as your lifelong share in the credit union.
0.05% interest rate · No monthly fee · Effective Oct 30, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Requires linked Free Kasasa Cash checking account. Monthly qualification cycle requirements to earn the higher rate: at least 1 bill pay or ACH payment transaction, at least 10 debit card purchases, and enrollment in eStatements. Limit 1 account per SSN. Limit 6 transfers per month.
Offer: Base rate applied to entire daily balance if linked Kasasa Cash qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% 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 Sioux Falls, SD
70 accounts at 23 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.53%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.05%
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Sioux Falls, SD-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Voyage Federal Credit UnionCredit union · 3 branches
- CitiBank · 2 branches
- Black Hills Federal Credit UnionCredit union · 4 branches