Highest Money Market Rates in North Dakota
18 North Dakota-specific accounts
Top North Dakota Rate:3.85% APYFDIC or NCUA Insured
The North Dakota market
North Dakota accounts
18
Institutions
14
Top North Dakota APY
3.85% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
18 money market accounts are open only to North Dakota residents, from 14 institutions. The highest advertised APY among them is 3.85%.
The highest nationally available rate is 4.00% APY, 15 basis points above the North Dakota leader.
17 of the 18 North Dakota money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
North Dakota-Specific Money Market Accounts
Money market accounts specifically available to North Dakota residents.
| Institution | Product / Term | APY |
|---|---|---|
| Old National Bank | Market Monitorneeds at least $20,000 | Up to3.85% |
| Bell Bank | Elite Money Market Savings | 3.01% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Gate City Bank | Money Market Savingsneeds at least $1,000,000 | Up to2.50% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Dacotah Bank | Money Manager Accountneeds at least $1,000,000 | 2.38% |
| Bank Forward | Forward Money Market Savingsneeds at least $2,000,000 | Up to2.00% |
| American State Bank & Trust Company of Williston | Money Marketneeds at least $1,000,000 | Up to1.71% |
| BankNorth | Money Market Accountneeds at least $500,000 | Up to1.71% |
| Heartland State Bank | Heartland Tiered MMDAneeds at least $200,000 | Up to1.51% |
| The Goose River Bank | Safe Money Marketneeds at least $100,000 | Up to1.51% |
| Bell Bank | Premier Money Market Savingsneeds at least $500,000 | Up to1.36% |
| First State Bank & Trust | Classic Money Marketneeds at least $500,000 | Up to1.35% |
| First State Bank | Money Marketneeds at least $100,000 | Up to1.26% |
| Kirkwood Bank & Trust Co. | Money Market Checkingneeds at least $100,000 | Up to1.21% |
| Bank Forward | Money Market Savingsneeds at least $100,000 | Up to1.10% |
| Dacotah Bank | Gold Money Market | 0.75% |
| Dacotah Bank | Money Market Accountneeds at least $25,000 | Up to0.40% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in North Dakota.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |