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 South Dakota
- 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 · 18 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 - BankNorthMoney Market AccountsMoney Market Accounts · $2,500 min · 0.85%–1.71% by balance
Bank · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).
Offer: Average daily balance up to $24,999.99. Rate may change after account opening. Fees may reduce earnings.
0.85% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $25,000Your amount 0.85% $25,000 – $100,000 1.36% $100,000 – $250,000 1.61% $250,000 – $500,000 1.66% $500,000 and up 1.71% Rate checked
More details - Northern Hills Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.50%–1.60% by balance
Credit union · 4 branches
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 - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 7 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% 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 · 7 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: Your interest rate and annual percentage yield may change. MINIMUM BALANCE: No minimum balance is required to open an account unless noted with an asterisk (*). FEES: Fees could reduce the earnings on the account.
0.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.75% $25,000 – $100,000 1.15% $100,000 – $250,000 2.75% $250,000 – $500,000 3.00% $500,000 – $1,000,000 3.15% $1,000,000 and up 3.35% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
No monthly fee · Effective Oct 1, 2026
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 - Siouxland Federal Credit UnionMoney Market Account (MMA)Money Market Account (MMA) · $1,000 min · 0.20%–1.25% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Offer: Variable rate account.
0.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $999 0.20% $1,000 – $24,999Your amount 0.75% $25,000 and up 1.25% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires a $5.00 minimum balance to become a member. Earns a monthly dividend as long as there is a balance of $25.00.
Offer: Minimum balance of $25.00 required to earn monthly dividends.
0.75% interest rate · Effective Oct 3, 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 - Highmark Federal Credit UnionSmart Choice Money MarketSmart Choice Money Market · $25 min · 0.15%–2.99% by balance
Credit union · 4 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 · 20 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 - 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
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 South Dakota
145 accounts at 57 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.51%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.40%
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South Dakota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Voyage Federal Credit UnionCredit union · 4 branches
- Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch