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 31–45 results in Sioux Falls, SD-MN metro
- 0.15%APY$15 a year on $10,000
Requirements
Product: Online applications restricted to residents of South Dakota, Iowa, Nebraska, or Minnesota; in-person opening available at bank locations.
Offer: Variable rate; interest rate and annual percentage yield may change after account opening. Fees could reduce earnings.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Security National Bank of South DakotaSerious on Savings (SOS) AccountSavings · $1 min · 0.10%–0.15% by balance
Bank · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Receive a direct deposit or monthly transfer from another SNB account of $25.00 or more into an SOS account to avoid the $3.99 monthly maintenance fee. One withdrawal per statement cycle allowed ($5.99 for each additional withdrawal; ATM withdrawals charged $5.99).
Offer: Tier applies to balances under $500. Monthly maintenance fee of $3.99 applies each month the minimum monthly transfer/direct deposit of $25 is not made.
0.10% interest rate · $3.99 monthly fee
Rate by balance
Rate by balance for Serious on Savings (SOS) Account Balance APY Up to $500 0.10% $500 and upYour amount 0.15% Rate checked
More details - Security National Bank of South DakotaMoney Market GoldMoney Market Gold · $2,500 min · 0.10%–0.20% by balance
Bank · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly maintenance fee of $7.00 applies if average daily balance falls below $2,500 during the month. $1.00 fee for each transaction exceeding 6 per month (non-SNB ATM transactions excluded). $1.50 non-SNB ATM fee waived if maintaining an average daily balance of $15,000 or more.
0.10% interest rate · $7 monthly fee
Rate by balance
Rate by balance for Money Market Gold Balance APY Up to $2,499 0.10% $2,500 – $39,999Your amount 0.15% $40,000 – $99,999 0.17% $100,000 and up 0.20% Rate checked
More details - 0.14%APY$14 a year on $10,000with conditions
Requirements
Product: All-electronic personal account for Digital Banking customers. Compounded monthly based on daily available balance. Requires linked US checking account. $1,000 minimum balance required to earn APY. $17 monthly fee if daily collected/ledger balance falls below $1,000. 6 free withdrawals per month, then $3 each. eStatements required (fee of $4/month if enrolled in paper statements).
Offer: Must maintain daily collected/available balance of $1,000. $17 monthly fee if daily balance falls below $1,000. $4 monthly fee if paper statements sent.
Qualified rate · Compounded monthly · $17 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable rate product that could adjust monthly. $10,000.00 minimum daily balance to waive $10/month maintenance fee. Interest compounded and credited monthly.
Offer: Tier for daily balances up to $10,000. $10/month maintenance fee waived with $10,000 minimum daily balance. Rates current as of 10/1/26 and may change after account opening.
0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $10,000Your amount 0.10% $10,000 – $50,000 0.50% $50,000 – $100,000 1.51% $100,000 – $250,000 1.87% $250,000 – $500,000 2.07% Over $500,000 2.78% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $2 is eliminated when you carry a daily balance of $100 or more. Paper statements optional for $3 per month.
Offer: Monthly fee of $2 eliminated with daily balance of $100 or more.
0.10% interest rate · $2 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Great Rate Savings Balance APY Up to $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $100,000 0.10% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - Security National Bank of South DakotaRegular Statement Savings AccountSavings · $50 min
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Up to two withdrawals allowed per month; three or more are $1.00 each (Non-SNB ATM transactions not counted in limit). $2.00 monthly maintenance fee charged if balance falls below $200 on any day of the month (minors exempt).
Offer: No monthly maintenance fee with a minimum daily balance of $200; otherwise $2.00/month (waived for minors).
0.10% interest rate · $2 monthly fee
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
Requirements
Product: $2.00 per month fee applies to accounts with paper statements, but can be waived with enrollment in eStatements. Rates are variable and may change after account opening.
Offer: $2.00 per month fee for paper statements, waived with eStatements. Interest rate and APY may change after account opening.
0.10% interest rate · $2 monthly fee · Effective Jan 14, 2022
Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Eligible for Net Zero and Community Impact Deposits.
Offer: Monthly maintenance fee of $10 is waived if a daily balance of $1,000 or greater is maintained every day of the month. $1.50 quarterly paper statement fee waived if enrolled in eStatements.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Advantage Savings Balance APY Up to $1,000 0.05% $1,000 – $10,000 0.06% $10,000 and upYour amount 0.08% Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
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
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%
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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