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 Rapid City, SD metro
- Highmark Federal Credit UnionKasasa SaverSavings · $0 min · 0.25%–3.00% by balance
Credit union · 2 branches
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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must have a linked Kasasa Cash or Kasasa Cash Back checking account to build automatic savings. Earning the highest rate requires meeting monthly qualification cycle activities in linked checking (at least 12 debit card purchases > $4.99, at least 1 direct deposit or ACH credit, and enrolled in E-Statements). No monthly maintenance fee. No minimum balance to earn rewards.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met. Rate is 2.96% (2.9595% dividend rate).
Qualified rate · 2.96% interest rate · Balance cap $100,000 · No monthly fee · Effective Feb 1, 2024
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 - First National Bank in PhilipCMA – Cash Management AccountCMA – Cash Management Account · $2,500 min · 1.51%–3.04% by balance
Bank · 1 branch
1.82%APY$182 a year on $10,000Requirements
Product: Interest is compounded and credited monthly. Up to six withdrawals or transfers allowed per statement; unlimited deposits and in-person withdrawals. Checks imaged and enclosed with monthly statement.
Offer: Tier: Less Than $2,500.00. Minimum balance requirement stated as $2,500.00. Rates may change after account opening. Fees may reduce earnings.
1.50% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for CMA – Cash Management Account Balance APY Up to $2,500 1.51% $2,500 – $25,000Your amount 1.82% $25,000 – $50,000 2.12% $50,000 – $100,000 2.43% $100,000 – $200,000 2.73% $200,000 and up 3.04% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Interest is compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Rates may change after the account is opened. Fees may reduce stated earnings.
1.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
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 - Rushmore Credit UnionPremier SharesSavings · $500 min · 0.75%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Premier Share rates are subject to change.
0.75% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Premier Shares Balance APY $500 – $5,000 0.75% $5,001 – $20,000Your amount 1.00% $20,001 – $40,000 1.00% $40,001 – $80,000 1.00% $80,001 – $100,000 1.25% $100,001 and up 1.50% 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 · 10 branches
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 - Sentinel Federal Credit UnionMoney Market Saver AccountMoney Market Saver Account · $1,000 min · 0.80%–1.00% by balance
Credit union · 6 branches
0.80%APY$80 a year on $10,000Requirements
Product: Keep a $1,000 minimum balance to keep account open. If balance falls below $1,000 minimum daily balance during any month, account will be closed. Up to six withdrawals each month; minimum withdrawal amount is $250. Dividends are compounded based on daily balance and paid monthly.
Offer: Money Market Tier 1. Fees may reduce earnings.
0.80% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Money Market Saver Account Balance APY $1,000 – $25,000Your amount 0.80% $25,000 – $50,000Money Market Tier 2. 0.95% $50,000 and upMoney Market Tier 3. 1.00% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $25 monthly service charge avoided by maintaining a minimum balance of $10,000. Earns CD bonus rate (additional 0.10% on 1st term for standard fixed-rate CDs).
Offer: $25 monthly service charge waived with $10,000 minimum balance.
0.75% interest rate · $25 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Highmark Federal Credit UnionSmart Choice Money MarketSmart Choice Money Market · $25 min · 0.15%–2.99% by balance
Credit union · 2 branches
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 · 2 branches
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 - Interfaith Federal Credit UnionMoney Market Multiplier AccountMoney Market Multiplier Account · $2,000 min · 0.50%–0.60% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Minimum balance of $2,000 to earn dividends and avoid fee. Dividends compounded and credited monthly. Allows up to 3 checks and 3 transfers per month. A $15 fee applies if balance falls below $2,000 or if more than 6 transactions occur in a monthly period.
Offer: Dividends paid monthly as long as balance does not fall below $2,000. There is a $15 fee if the account drops below $2,000 minimum.
0.50% interest rate · $15 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Multiplier Account Balance APY $2,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.55% $50,000 – $99,999 0.60% $100,000 and up 0.60% 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 Rapid City, SD metro
39 accounts at 15 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.86%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.10%
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Rapid City, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dakota Star Federal Credit UnionCredit union · 2 branches
- Aspen Federal Credit UnionCredit union · 2 branches
- Black Hills Federal Credit UnionCredit union · 10 branches