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 16–30 results in Rapid City, SD metro
- 0.55%APY$55 a year on $10,000
Requirements
Product: Minimum balance of $1,000.00 required. Dividends are compounded and paid monthly. Maximum of 3 checks per month. Excessive withdrawals fee of $10.00 per withdrawal in excess of 3 per month; minimum balance fee of $10.00 per month. All deposited funds earn the rate for the tier. Variable rate subject to change at any time.
Offer: All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. Minimum balance fee of $10.00 per month applies if minimum balance not maintained.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $5,001 0.50% $5,001 – $10,001Your amount 0.55% $10,001 – $25,001 0.85% $25,001 and up 0.60% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $4 monthly service charge avoided by maintaining a minimum balance of $100. Tiered interest earned each day balance is above $100.
Offer: $4 monthly service charge waived with $100 minimum balance.
0.10% interest rate · $4 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.10% $1,000 and up 0.20% $10,000 and upYour amount 0.30% $25,000 and up 0.40% 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Must become a member by opening a $5 share savings account; membership is eligible for employees and directors of rural electric cooperatives, their spouses, and children. Rates may change quarterly.
0.10% interest rate · Effective Jul 1, 2026
Rate checked
More details - Sentinel Federal Credit UnionRegular Savings / Share Savings AccountSavings · $5 min · 0.00%–0.15% by balance
Credit union · 6 branches
0.10%APY$10 a year on $10,000Requirements
Product: Account establishes Credit Union membership. Dividends paid monthly on daily balances of $100 or more.
Offer: Tier 1
0.00% interest rate · No monthly fee · Effective Nov 1, 2025
Rate by balance
Rate by balance for Regular Savings / Share Savings Account Balance APY Up to $100 0.00% $100 – $5,000Tier 2 0.10% $5,000 – $25,000Your amountTier 3 0.10% $25,000 and upTier 4 0.15% 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 - Interfaith Federal Credit UnionMembership Share Savings AccountSavings · $100 min · 0.01%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Required membership share savings account. Minimum required balance is $5. Dividend earnings begin with a balance of $100. Rates are compounded and credited monthly. Account is for individuals age 18 and older (members under 18 open Xtreme Savers which converts at 18).
Offer: Tier 1
0.01% interest rate
Rate by balance
Rate by balance for Membership Share Savings Account Balance APY $100 – $999 0.01% $1,000 – $4,999Tier 2 0.05% $5,000 – $14,999Your amountTier 3 0.05% $15,000 – $24,999Tier 4 0.05% $25,000 – $49,999Tier 5 0.10% $50,000 – $99,999Tier 6 0.10% $100,000 and upTier 7 0.10% 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 · 10 branches
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
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