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 Sioux Falls, SD-MN metro
- 1.00%APY$100 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Maintain an average daily balance of $10,000 to avoid $10 service charge. Maximum 6 withdrawals/transfers per month (or 18 per statement cycle). Rates effective February 11, 2019 and subject to change.
Offer: Maintain an average daily balance of $10,000 to avoid $10 service charge. Rate effective February 11, 2019. Balance range stated as $01.-$10,000.
0.10% interest rate · $10 monthly fee · Effective Feb 11, 2019
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $10,000 0.10% $10,000 and upYour amount 1.00% Rate checked
More details - First Dakota National BankFirstChoice Money MarketFirstChoice Money Market · $10,000 min · 1.00%–2.53% by balance
Bank · 6 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest will not accrue if your balance falls below $10,000.00. Interest is compounded and credited monthly. A monthly imaged statement is issued. Rates listed above are for accounts that can be opened online only. Contact a banker for a full list of rates and products offered. There is a $2.00 service charge for each withdrawal over 6 per calendar month.
1.00% interest rate
Rate by balance
Rate by balance for FirstChoice Money Market Balance APY $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.26% $100,000 – $150,000 1.92% $150,000 – $250,000 2.02% $250,000 – $500,000 2.12% $500,000 and up 2.53% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: $1 monthly maintenance fee avoided by maintaining at least a $300 average daily balance or adding a direct deposit (table lists fee as $3 avoided with average daily balance > $300 or monthly direct deposit). Rate and APY may change after account opening. Fees could reduce earnings.
0.25% interest rate · $1 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Simply Savings Balance APY Up to $300 0.25% $300 – $1,000 0.75% $1,000 and upYour amount 1.00% Rate checked
More details - Service First FCUPremier Money MarketPremier Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: $1,000 minimum withdrawal with a limit of 3 withdrawals per month. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
0.50% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.50% $5,000 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.25% $50,000 – $100,000 1.75% $100,000 and up 2.00% 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 · 4 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 - 0.75%APY$75 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: When linked Kasasa Cash qualification criteria are met.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Oct 2, 2026
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 - Bluestone Federal Credit UnionMONEY MARKET SASMONEY MARKET SAS · $2,500 min · 0.50%–0.90% by balance
Credit union · 3 branches
0.70%APY$70 a year on $10,000Requirements
Offer: Minimum balance to earn dividends
Effective Sep 25, 2026
Rate by balance
Rate by balance for MONEY MARKET SAS Balance APY $2,500 and up 0.50% $10,000 and upYour amount 0.70% $25,000 and up 0.90% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: No minimum balance is required for customers under 18 years old.
Offer: $3.00 monthly service charge waived if daily balance remains at $100.00 or above, or if customer is under 18 years old. $2.00 service charge per withdrawal over 6 per calendar month.
0.65% interest rate · $3 monthly fee
Rate checked
More details - 0.51%APY$51 a year on $10,000
Requirements
Offer: Interest compounds monthly. ICS feature may be used to sweep balances to other banks.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Jumbo Deposit Account Balance APY Up to $100,000Your amount 0.51% $100,000 – $230,000 1.53% $230,000 and up 2.77% Rate checked
More details - Service First FCUFIMMA – First Insured Money Market AccountFIMMA – First Insured Money Market Account · $1,000 min · 0.25%–0.50% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Limit 3 withdrawals per month. Each withdrawal and deposit must be $250 or more. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
0.25% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for FIMMA – First Insured Money Market Account Balance APY Up to $1,000 0.25% $1,000 and upYour amount 0.50% 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
Requirements
Product: Also referred to as Regular Savings Account. Interest paid quarterly. ATM access available with qualifying account.
Offer: Rate may change daily. Fees may reduce earnings.
0.25% interest rate
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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Higher balances earn higher rates. No monthly service charge. Direct check writing access. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $25,000. Rates current as of 10/1/26 and may change after account opening.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Max Savings Balance APY Up to $25,000Your amount 0.15% $25,000 – $100,000 0.30% $100,000 – $225,000 0.50% $225,000 – $500,000 1.00% Over $500,000 1.51% 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 Sioux Falls, SD-MN metro
77 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.59%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.05%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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