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 1–15 results in Grand Forks, ND-MN metro
- 2.02%APY$202 a year on $10,000
Requirements
Product: Minimum balance of $10,000 to open. Minimum withdrawal of $1,000. Interest is compounded daily and credited to the account monthly. Variable rate subject to change on the 15th of each month based on the 3 month U.S. Treasury Bill. If balance falls below the $10,000.00 minimum, rate converts to ASB Regular Savings rate for the days that the balance is under the minimum.
Offer: Minimum balance of $10,000 to open. Rate subject to change on the 15th of each month based on the 3 month U.S. Treasury Bill. If balance falls below $10,000.00, rate converts to ASB Regular Savings rate for days under minimum.
2.00% interest rate · Compounded daily · Effective Jun 28, 2023
Rate checked
More details - 2.00%APY$200 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: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - United Valley BankValley Preferred SavingsSavings · $1,000 min · 1.50%–2.00% by balance
Bank · 2 branches
1.50%APY$150 a year on $10,000Requirements
Product: Limit of 6 preauthorized withdrawals per month. Interest compounded and credited monthly. Rates may vary. Fees could reduce earnings. Minimum initial deposit of $1,000.
Offer: Service charge of $10 per month if daily balance falls below $1,000 minimum.
1.49% interest rate · $10 monthly fee · Effective Jun 3, 2026
Rate by balance
Rate by balance for Valley Preferred Savings Balance APY Up to $25,000Your amount 1.50% $25,000 – $100,000 1.65% $100,000 – $500,000 1.80% $500,000 and up 2.00% Rate checked
More details - Bell BankPremier Money Market SavingsPremier Money Market Savings · $5,000 min · 1.16%–1.36% by balance
Bank · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
Offer: $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly.
1.15% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY $5,000 – $100,000Your amount 1.16% $100,000 – $500,000 1.26% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.36% Rate checked
More details - Bank ForwardForward Money Market SavingsForward Money Market Savings · $5,000 min · 1.10%–2.00% by balance
Bank · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Tiered interest rates, interest paid monthly. No monthly service fee with $5000.00 minimum daily balance; $25.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
1.09% interest rate · $25 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Forward Money Market Savings Balance APY $5,000 – $100,000Your amount 1.10% $100,000 – $250,000 1.50% $250,000 – $500,000 1.60% $500,000 – $2,000,000 1.60% $2,000,000 and up 2.00% Rate checked
More details - 1.06%APY$106 a year on $10,000
Requirements
Product: Minimum balance of $500 to earn interest and avoid service fees. No service charge if minimum balance of $500 is maintained. Interest earned each day balance is $500 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly.
Offer: $10 service fee if minimum balance is not maintained. Variable rate. Paid monthly.
1.05% interest rate · Compounded monthly · $10 monthly fee
Rate checked
More details - University Federal Credit UnionSavings AccountsSavings · $25 min · 0.70%–0.80% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Initial $25.00 deposit makes you a member/owner entitled to quarterly savings dividend tiered based on the amount of money in the account. Declared Dividends for Third Quarter 2026.
Offer: Declared Dividends for Third Quarter 2026.
0.70% interest rate
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $2,500 0.70% $2,500 – $9,999 0.75% $10,000 and upYour amount 0.80% Rate checked
More details - 0.80%APY$80 a year on $10,000
0.80% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Minimum balance to avoid $10.00 monthly fee is $1,000. Limit of 6 preauthorized/automatic/telephone/check/debit transfers per statement period; unlimited in-person, messenger, mail, or ATM withdrawals. Interest compounded and credited monthly using the daily balance method. Free basic checks every order, no charge debit card, ATM fee refunds up to $12.00/month with receipt within 30 days. Must maintain a $0.01 balance to obtain APY.
Offer: $10.00 monthly service charge if balance falls below $1,000. Must maintain a $0.01 balance to obtain APY.
0.75% interest rate · $10 monthly fee · Effective Jul 8, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.75% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 – $250,000 1.26% $250,000 and up 1.26% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Savings rates shown are illustrative. Bring a driver's license or photo ID and Social Security card to open.
Offer: Average daily balances must be $100 or greater to earn interest on savings accounts. Rates shown are illustrative.
0.75% interest rate
Rate checked
More details - Service Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.55%–2.50% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. If at any time during the month the money market daily balance drops below $2,500.00, a fee of $5 will be assessed. Fees could reduce the earnings on the account. Variable rates subject to change without notice.
Offer: Tier 1. Minimum balance to earn dividends is $2,500.00. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00.
0.55% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.55% $25,000 – $100,000Tier 2. 0.70% $100,000 and upTier 3. 2.50% Rate checked
More details - Bank ForwardMoney Market SavingsMoney Market Savings · $1,000 min · 0.50%–1.10% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Tiered interest rates, interest paid monthly. No monthly service fee with $1000.00 minimum daily balance; $10.00 monthly service fee if minimum balance is not met daily. Variable rate subject to change after account opening.
0.50% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 1.10% Rate checked
More details - Postal Family FCUMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 0.45%–0.55% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $1,000 – $49,999Your amount 0.45% $50,000 – $99,999 0.50% $100,000 and up 0.55% Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: Monthly service charge of $10 if minimum balance falls below $500.
Offer: $10 monthly fee if balance falls below $500.
0.35% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $500 – $25,000Your amount 0.35% $25,000 – $100,000 0.35% $100,000 – $250,000 0.50% $250,000 – $500,000 1.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.50% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Grand Forks, ND-MN metro
34 accounts at 15 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.40%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.45%
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Grand Forks, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 1 branch
- United Valley BankBank · 2 branches
- First Community Credit UnionCredit union · 4 branches