Compare Bank & Credit Union Rates
Best savings rates in Spearfish, SD
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Spearfish, SD
- Highmark Federal Credit UnionKasasa SaverSavings · $0 min · 0.25%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Must have a Kasasa Cash or Kasasa Cash Back account to open. Earned checking rewards are automatically transferred into the Kasasa Saver. Base rate applies if qualifications are not met. Qualifications per cycle: at least 12 debit card purchases, at least 1 direct deposit/ACH credit/ACH payment transaction, and enrolled in e-statements. Qualifying period is last day of a month through second-to-last day of the following month.
Offer: If monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. Compounded and paid monthly based on daily average balance.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 3.00% $100,000 and up 0.25% Rate checked
More details - Black Hills Federal Credit UnionPremier High-Yield Money Market AccountPremier High-Yield Money Market Account · $0 min · 0.70%–3.15% by balance
Credit union · 1 branch
0.95%APY$95 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Calculated by the daily balance method.
Offer: Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
0.70% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier High-Yield Money Market Account Balance APY Up to $10,000 0.70% $10,000 – $50,000Your amount 0.95% $50,000 – $100,000 1.15% $100,000 – $250,000 1.65% $250,000 – $500,000 2.20% $500,000 – $750,000 2.45% $750,000 – $1,000,000 2.90% $1,000,000 and up 3.15% Rate checked
More details - Northern Hills Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.50%–1.60% by balance
Credit union · 1 branch
0.80%APY$80 a year on $10,000Requirements
Product: Minimum deposit to open is $2,500.00. Must maintain a minimum daily balance of $2,500.00 to avoid a monthly fee. Pays the stated interest rate corresponding to the applicable deposit tier on the full balance in the account. Transaction limit of no more than six transfers per month.
Offer: If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
Effective Nov 14, 2025
Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.50% $5,000 and upYour amount 0.80% $25,000 and up 1.00% $50,000 and up 1.15% $100,000 and up 1.50% $150,000 and up 1.60% Rate checked
More details - Highmark Federal Credit UnionSmart Choice Money MarketSmart Choice Money Market · $25 min · 0.15%–2.99% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Minimum $25 required to open. Rates are tiered.
Offer: Balance tier: $25 - $2,500
2.95% interest rate
Rate by balance
Rate by balance for Smart Choice Money Market Balance APY Up to $2,500 2.99% $2,500 – $25,000Your amount 0.75% $25,000 – $50,000 0.25% $50,000 – $100,000 0.20% Over $100,000 0.15% Rate checked
More details - BankWestMoney Market AccountMoney Market Account · $1,000 min · 0.15%–3.25% by balance
Bank · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: No minimum balance charges. Limited to 10 debit transactions per statement cycle; $10.00 fee per debit transaction in excess of 10. Personal loan discount with automatic payment from BankWest deposit account.
Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.15% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.70% $50,000 – $100,000 0.80% $100,000 – $300,000 1.25% $300,000 – $500,000 1.75% $500,000 – $1,000,000 2.25% $1,000,000 – $2,000,000 2.75% $2,000,000 and up 3.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
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
Effective Nov 14, 2025
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 - 0.05%APY$5 a year on $10,000
Requirements
Product: No minimum balance requirements apply to this account. Dividends compounded and credited monthly.
Offer: No minimum deposit or daily balance required to earn dividends. Dividends compounded and credited monthly.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - Black Hills Federal Credit UnionRegular Share / Regular SavingsSavings · $5 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Par value of a share required for membership is $5.00.
Offer: Minimum daily balance required to avoid a fee is $5.00. Minimum deposit required to open and earn dividends is $5.00.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with Highmark Credit Union. Automatic deposit available via Direct Deposit or Payroll Deduction.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must have a Kasasa Cash or Kasasa Cash Back account to open. Earned checking rewards are automatically transferred into the Kasasa Saver. Base rate applies if qualifications are not met. Qualifications per cycle: at least 12 debit card purchases, at least 1 direct deposit/ACH credit/ACH payment transaction, and enrolled in e-statements. Qualifying period is last day of a month through second-to-last day of the following month.
Offer: Base rate on all balances if monthly qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.02%APY$2 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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 2026
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
What savings accounts pay in Spearfish, SD
17 accounts at 6 banks and credit unions · checked Oct 22
- Typical
- 0.05%
- Top 10% from
- 0.86%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.10%
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Spearfish, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Black Hills Federal Credit UnionCredit union · 1 branch