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 16–29 results in Watertown, SD metro
- 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 - 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 - 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: $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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Maintain a $5 account balance and make a minimum of one transaction a year to become a member for life.
Offer: Compounded monthly. Minimum to earn dividend is $100 and above.
Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personalize your account by selecting a name which will appear on your statement to track progress toward savings goals. No minimum balance to open your account.
Offer: Compounded monthly. Earn dividends on balances of $100 or more.
Compounded monthly · No monthly fee · Effective Sep 1, 2026
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 monthly service charge for customers under 22 years old. Customers 22 or older can avoid the $5 monthly service charge by maintaining a $50 average daily balance. Interest compounded and credited quarterly.
Offer: No monthly service charge for customers under 22 years old; waived for customers 22 or older with a $50 average daily balance. Rates current as of 10/1/26 and may change after account opening.
0.05% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - ReliabankMoney Market SavingsMoney Market Savings · $2,500 min · 0.05%–0.20% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Monthly maintenance fee of $5.00 applies if average daily balance falls below $2,500.00. $2.00 per month fee applies for paper statements, waived with eStatements enrollment.
Offer: $5.00 monthly maintenance fee if average daily balance falls below $2,500.00; $2.00 fee for paper statements waived with eStatements.
0.05% interest rate · $5 monthly fee · Effective Jan 14, 2022
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $24,999Your amount 0.05% $25,000 – $74,999 0.10% $75,000 – $199,999 0.15% $200,000 and up 0.20% Rate checked
More details - 0.02%APY$2 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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 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: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.01% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
0.01% interest rate · Effective Sep 28, 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 Watertown, SD metro
29 accounts at 11 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.16%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.50%
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Watertown, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch
- Dakotaland Federal Credit UnionCredit union · 1 branch