Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Fargo, ND-MN metro
- 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: One Superior Money Market per membership. Membership required. Direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and enrollment in digital statements required to earn higher dividend rate; otherwise receives 0.100% APY. No minimum balance and no minimum balance fee.
Offer: Requirements met (monthly direct deposit of $500+ and digital statements). Compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 3 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
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 · 0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $5,000 0.15% $5,000 and upYour amountLevel 2: All-In Member Pricing (requires 21+ debit or credit card transactions/month and >=$1,500 in direct/mobile deposits within last 31 days). 3.25% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required. $10,000 minimum balance to earn dividends. Subject to a $20 minimum balance fee if the balance falls below $10,000.
Offer: Compounded monthly. $20 fee applies if balance falls below $10,000.
2.47% interest rate · Compounded monthly · $20 monthly fee · Effective Sep 3, 2025
Rate checked
More details - Affinity PlusCapitol Money Market AccountCapitol Money Market Account · $2,000 min · 2.25%–2.35% by balance
Credit union · 2 branches
2.35%APY$235 a year on $10,000Requirements
Product: Membership required. $2,000 minimum balance to earn dividends. Not subject to a monthly minimum balance fee.
Offer: Compounded monthly.
2.23% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate by balance
Rate by balance for Capitol Money Market Account Balance APY $2,000 – $4,999 2.25% $5,000 and upYour amount 2.35% Rate checked
More details - Midwest BankMidwest Money Market SavingsMidwest Money Market Savings · $1,000 min · 1.50%–3.51% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Interest rate and annual percentage yield may change after account opening. Fees could reduce earnings, including IRA/HSA transfer fees. Avoid the $6 monthly service charge by maintaining a $1,000 minimum daily balance.
Offer: Minimum balance to obtain APY is $0.01 daily balance. Avoid $6 monthly service charge with $1,000 minimum daily balance.
1.49% interest rate · $6 monthly fee
Rate by balance
Rate by balance for Midwest Money Market Savings Balance APY Up to $10,000 1.50% $10,000 – $50,000Your amount 2.00% $50,000 – $100,000 2.50% $100,000 – $250,000 3.00% $250,000 – $500,000 3.10% $500,000 – $1,000,000 3.35% $1,000,000 – $5,000,000 3.51% $5,000,000 – $1,000,000,000 3.51% Rate checked
More details - 2.00%APY$200 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: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.50%APY$150 a year on $10,000
1.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - United Valley BankValley Preferred SavingsSavings · $1,000 min · 1.50%–2.00% by balance
Bank · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Limit of 6 preauthorized withdrawals per month. Interest compounded and credited monthly. Rates may vary. Fees could reduce earnings. Minimum initial deposit of $1,000.
Offer: Service charge of $10 per month if daily balance falls below $1,000 minimum.
1.49% interest rate · $10 monthly fee · Effective Jun 3, 2026
Rate by balance
Rate by balance for Valley Preferred Savings Balance APY Up to $25,000Your amount 1.50% $25,000 – $100,000 1.65% $100,000 – $500,000 1.80% $500,000 and up 2.00% Rate checked
More details - Bell BankPremier Money Market SavingsPremier Money Market Savings · $5,000 min · 1.16%–1.36% by balance
Bank · 11 branches
1.16%APY$116 a year on $10,000Requirements
Product: Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
Offer: $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly.
1.15% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY $5,000 – $100,000Your amount 1.16% $100,000 – $500,000 1.26% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.36% Rate checked
More details - Levo Credit Union®Super Share Money MarketSuper Share Money Market · $2,000 min · 0.25%–1.76% by balance
Credit union · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. Members can apply through online or mobile banking app.
Offer: Tier 1
0.25% interest rate
Rate by balance
Rate by balance for Super Share Money Market Balance APY $2,000 – $10,000 0.25% $10,000 – $50,000Your amountTier 2 1.11% $50,000 – $100,000Tier 3 1.36% $100,000 and upTier 4 1.76% Rate checked
More details - Bank ForwardForward Money Market SavingsForward Money Market Savings · $5,000 min · 1.10%–2.00% by balance
Bank · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Tiered interest rates, interest paid monthly. No monthly service fee with $5000.00 minimum daily balance; $25.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
1.09% interest rate · $25 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Forward Money Market Savings Balance APY $5,000 – $100,000Your amount 1.10% $100,000 – $250,000 1.50% $250,000 – $500,000 1.60% $500,000 – $2,000,000 1.60% $2,000,000 and up 2.00% Rate checked
More details - 1.06%APY$106 a year on $10,000
Requirements
Product: Minimum balance of $500 to earn interest and avoid service fees. No service charge if minimum balance of $500 is maintained. Interest earned each day balance is $500 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly.
Offer: $10 service fee if minimum balance is not maintained. Variable rate. Paid monthly.
1.05% interest rate · Compounded monthly · $10 monthly fee
Rate checked
More details - Town and Country Credit UnionMoney Market AccountMoney Market Account · $1,000 min
Credit union · 4 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 - BankNorthMoney Market AccountsMoney Market Accounts · $2,500 min · 0.85%–1.71% by balance
Bank · 4 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
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 Fargo, ND-MN metro
78 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.50%
- Banks, typical
- 0.23%
- Credit unions, typical
- 0.25%
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Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches