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 Moorhead, MN
- 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: One Superior Money Market per membership. Membership required. Direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and enrollment in digital statements required to earn higher dividend rate; otherwise receives 0.100% APY. No minimum balance and no minimum balance fee.
Offer: Requirements met (monthly direct deposit of $500+ and digital statements). Compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required. $10,000 minimum balance to earn dividends. Subject to a $20 minimum balance fee if the balance falls below $10,000.
Offer: Compounded monthly. $20 fee applies if balance falls below $10,000.
2.47% interest rate · Compounded monthly · $20 monthly fee · Effective Sep 3, 2025
Rate checked
More details - Affinity PlusCapitol Money Market AccountCapitol Money Market Account · $2,000 min · 2.25%–2.35% by balance
Credit union · 2 branches
2.35%APY$235 a year on $10,000Requirements
Product: Membership required. $2,000 minimum balance to earn dividends. Not subject to a monthly minimum balance fee.
Offer: Compounded monthly.
2.23% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
Rate by balance
Rate by balance for Capitol Money Market Account Balance APY $2,000 – $4,999 2.25% $5,000 and upYour amount 2.35% 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 - 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 - Magnifi FinancialMoney MarketMoney Market · $2,500 min · 0.50%–1.15% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Opening deposit of $2,500.00 is required to open an account; that balance does not need to be maintained. No monthly fees or penalties. Can be used for overdraft protection on Magnifi Financial checking account.
Offer: Dividends compound monthly. Rates subject to change without notice.
0.50% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.50% $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.65% $50,000 – $99,999 0.85% $100,000 – $149,999 0.95% $150,000 and up 1.15% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Debit card purchases are automatically rounded up to the next whole dollar amount and transferred from checking. Must enroll in Digital Services and eStatements to earn a higher dividend rate. No monthly fees or penalties. Withdraw funds at anytime without losing dividends. Can be used for overdraft protection.
Offer: Must enroll in Digital Services and eStatements to earn a higher dividend rate.
0.45% interest rate · No monthly fee · Effective Nov 1, 2025
Rate checked
More details - Gate City BankMoney Market SavingsMoney Market Savings · $500 min · 0.35%–2.50% by balance
Bank · 4 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 - First Community Credit UnionKasasa SaverSavings · $0 min · 0.17%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Requires a linked free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.
Offer: Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for this tier (at least 12 debit card purchases, enrolled in eStatements, enrolled in/log into online banking during monthly qualification cycle).
Qualified rate · 0.25% interest rate · No monthly fee · Effective Nov 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 0.25% $25,000 and up 0.17% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: APY is variable and may change after account is opened. Interest compounded quarterly and earned each day the balance is $50 or more. $2 monthly service fee is waived if a minimum average monthly balance of $50 is maintained. Includes 6 free withdrawals or debits per calendar month.
Offer: Interest compounded quarterly. $2 monthly service fee waived with $50 minimum average monthly balance.
0.20% interest rate · Compounded quarterly · $2 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: $50 minimum opening deposit waived for individuals aged 17 and under. $5 monthly service fee waived if minimum balance of $100 is maintained or for ages 17 and under.
0.15% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum balance or penalties. Can be used for overdraft protection on your Magnifi Financial checking account.
0.15% interest rate · Effective Nov 1, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minnesota and Wisconsin residents only. 12-month savings commitment with fees for early withdrawal. Limited to one WINcentive account per person; business and trust memberships are not eligible.
Offer: 12-month savings commitment. First early withdrawal fee is $10; second withdrawal fee is $25; third withdrawal closes account without fee. One no-penalty withdrawal permitted during anniversary month. Each $25 month-over-month balance increase earns an entry into cash prize drawings (max 4 entries/month, 12/quarter, 48/12-month period).
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Affinity Plus membership required. No minimum balance requirement and no required term.
0.10% interest rate · No monthly fee · Effective Sep 3, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: One Superior Money Market per membership. Membership required. Direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and enrollment in digital statements required to earn higher dividend rate; otherwise receives 0.100% APY. No minimum balance and no minimum balance fee.
Offer: If monthly requirements are not met (applies to all balance tiers). Compounded monthly.
Qualified rate · 0.10% interest rate · Compounded monthly · No monthly fee · Effective Sep 3, 2025
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 Moorhead, MN
24 accounts at 7 banks and credit unions · checked Oct 16–22
- Typical
- 0.13%
- Top 10% from
- 1.99%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches