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 Sioux Falls, SD-MN metro
- 3.00%APY$300 a year on $10,000
Requirements
Product: $100 minimum opening balance. The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings.
1.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premium+ Balance APY Up to $2,500 1.00% $2,500 – $10,000 2.00% $10,000 and upYour amount 3.00% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts 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: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Link to Kasasa Cash Back Checking. No minimum balance to earn rewards. No monthly maintenance fees. If new to Explorers CU, minimum $10 membership deposit into a Share (Savings) Account required.
Offer: When qualifications in linked Kasasa Cash Back Checking are met. Earned on balances up to $25,000.
Qualified rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - 2.57%APY$257 a year on $10,000
Requirements
Product: Must be established, accessed, and maintained exclusively online.
Offer: $3.00 monthly service charge waived if daily balance remains at $100.00 or above. $2.00 service charge per withdrawal over 6 per calendar month. Online opening only.
2.55% interest rate · $3 monthly fee
Rate checked
More details - 2.40%APY$240 a year on $10,000
Requirements
Product: $2 monthly maintenance fee avoided by maintaining a $10,000 relationship balance (sum of average daily balances for primary, household demand deposit accounts plus current balance of time deposit accounts). Rate and APY may change after account opening. Fees could reduce earnings.
1.98% interest rate · $2 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Savings+ Balance APY Up to $10,000 2.00% $10,000 – $25,000Your amount 2.40% $25,000 – $50,000 2.80% $50,000 and up 3.30% 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 - 1.71%APY$171 a year on $10,000
Requirements
Product: Dividends apply to accounts with a minimum balance of $100. Rates are based on qualifications and subject to change.
Offer: Dividends apply to accounts with a minimum balance of $100.
1.40% interest rate · Effective Oct 30, 2025
Rate by balance
Rate by balance for Summit Balance APY Up to $10,000 1.41% $10,000 – $25,000Your amount 1.71% $25,000 – $100,000 2.07% $100,000 – $200,000 2.32% $200,000 and up 2.53% Rate checked
More details - Bank MidwestPremier Money Market Savings AccountPremier Money Market Savings Account · $50 min · 1.00%–3.20% by balance
Bank · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Tiered interest rate. If balance falls below $10,000 any day of the month, a $10 monthly service charge is assessed. Limited to 6 withdrawals and 6 checks per month.
Offer: Monthly fee of $10 assessed if balance falls below $10,000 any day of the month.
1.00% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Account Balance APY Up to $10,000 1.00% $10,000 – $25,000Your amount 1.51% $25,000 – $100,000 2.02% $100,000 – $250,000 2.68% $250,000 and up 3.20% Rate checked
More details - 1.50%APY$150 a year on $10,000
1.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - Merchants State BankMoney Market Gold AccountMoney Market Gold Account · $0 min · 1.10%–1.75% by balance
Bank · 2 branches
1.30%APY$130 a year on $10,000Requirements
Product: Rate may change daily. Fees may reduce earnings. MSB pays on the full balance in the account at the stated interest rate that corresponds to the applicable deposit tier.
1.09% interest rate
Rate by balance
Rate by balance for Money Market Gold Account Balance APY Up to $10,000 1.10% $10,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.55% $50,000 and up 1.75% Rate checked
More details - First PREMIER BankPREMIER Money MarketPREMIER Money Market · $500 min · 1.08%–2.52% by balance
Bank · 6 branches
1.14%APY$114 a year on $10,000Requirements
Product: Tiered variable interest rate. Rates may change after account opening. Fees could reduce earnings. $500 minimum opening balance. Withdrawal limitations apply.
1.08% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for PREMIER Money Market Balance APY Up to $10,000 1.08% $10,000 – $25,000Your amount 1.14% $25,000 – $50,000 1.26% $50,000 – $100,000 1.36% $100,000 – $250,000 1.66% $250,000 – $500,000 1.76% $500,000 – $1,000,000 2.52% $1,000,000 and up 2.52% Rate checked
More details - Levo Credit Union®Super Share Money MarketSuper Share Money Market · $2,000 min · 0.25%–1.76% by balance
Credit union · 6 branches
1.11%APY$111 a year on $10,000Requirements
Product: Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. Members can apply through online or mobile banking app.
Offer: Tier 1
0.25% interest rate
Rate by balance
Rate by balance for Super Share Money Market Balance APY $2,000 – $10,000 0.25% $10,000 – $50,000Your amountTier 2 1.11% $50,000 – $100,000Tier 3 1.36% $100,000 and upTier 4 1.76% Rate checked
More details - Merchants State BankMoney Market Savings AccountMoney Market Savings Account · $2,500 min
Bank · 2 branches
1.10%APY$110 a year on $10,000Requirements
Product: Rate may change daily. Fees may reduce earnings. MSB pays on the full balance in the account at the stated interest rate that corresponds to the applicable deposit tier.
1.09% interest rate
Rate checked
More details - 1.05%APY$105 a year on $10,000with conditions
Requirements
Product: Must pair with a free BIG DEAL® Cash or BIG DEAL® Benefits checking account. No minimum balance.
Offer: Balances up to $50,000. Must have a BIG DEAL® Cash or Benefits checking account.
Qualified rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for BIG DEAL® Saver Balance APY Up to $50,000Your amount 1.05% Over $50,000 0.15% 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