Highest Savings Rates in North Dakota
20 North Dakota-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top North Dakota Rate:3.30% APYFDIC or NCUA Insured

The North Dakota market

North Dakota accounts

Institutions

Top North Dakota APY

3.30% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

20 savings accounts are open only to North Dakota residents, from 16 institutions. The highest advertised APY among them is 3.30%.

The highest nationally available rate is 5.00% APY, 170 basis points above the North Dakota leader.

10 of the 20 North Dakota savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

North Dakota-Specific Savings Accounts

These savings accounts are specifically available to North Dakota residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	PNC PNC High Yield Savings 3.15%APY Min. balance: $1 Observed: Oct 13, 2026 Show Details	+$315per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#2	Citibank Citi Accelerate Savings 3.00%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$300per year	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#3	Gateway First Bank Gateway High Yield Savings 2.35%APY Observed: Oct 7, 2026 Show Details	+$235per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#4	Kirkwood Bank & Trust Co. Statement Savings Up to0.75%APY Needs at least $5,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$75per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#5	Gateway First Bank Personal Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#6	Rolette State Bank Passbook Savings Up to0.45%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details	+$45per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#7	American State Bank & Trust Company of Williston Personal Savings Up to1.66%APY Needs at least $1,000,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$30per yearEffective: 0.30%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#8	BankNorth Regular Savings 0.25%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#9	Border Bank Simple Savings Plus 0.25%APY Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#10	First State Bank & Trust Classic Savings Up to1.00%APY Needs at least $125,000 Observed: Oct 7, 2026 Show Details	+$25per yearEffective: 0.25%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#11	Bank Forward Regular Savings 0.20%APY Min. balance: $200 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#12	Bell Bank Regular Savings 0.20%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#13	First State Bank Relationship Savings 0.20%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#14	Heartland State Bank Statement Savings 0.20%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#15	The Goose River Bank Passbook Savings 0.20%APY Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	Gate City Bank Relationship Savings 0.15%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#17	Gate City Bank Savings 0.10%APY Min. balance: $200 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#18	BMO Bank Savings Builder 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#19	Border Bank Limited Edition Savings Account 3.30%APY Min. balance: $25,000 Observed: Oct 7, 2026 Show Details	+$0per yearEffective: 0.00%	Deposit Insurance FDIC Insured Requires High Minimum Features In-Person Access	$50

PNC

PNC High Yield Savings

+$315

per year

3.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$1
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Branches	Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit Insurance	FDIC Insured(Cert: 6384)
Eligibility	AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Zelle®	SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings	iOS:4.8 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePNC

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Citibank

Citi Accelerate Savings

+$300

per year

3.00% APY

Oct 13, 2026

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$4.50. Waived for average monthly balances > $500
Compound Freq	Daily
Direct Deposit	Not required
Branches	U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit Insurance	FDIC Insured(Cert: 7213)
Eligibility	Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®	SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	D-(Not BBB Accredited)

Rate Stability

Rate Increased

+0.20%

Since 30 days ago

Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Gateway High Yield Savings

+$235

per year

2.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Kirkwood Bank & Trust Co.

Statement Savings

+$75

per year

0.75% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.65% – 0.75%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 21928)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteKirkwood Bank & Trust Co.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Personal Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Rolette State Bank

Passbook Savings

+$45

per year

0.45% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.35% – 0.45%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A maintenance charge applies unless the balance stays at $100 or more.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9120)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteRolette State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

American State Bank & Trust Company of Williston

Personal Savings

+$30

per year

1.66% APY

Oct 7, 2026

Needs at least $1,000,000

APY Range: 0.30% – 1.66%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $10.00 service fee is charged each quarter, not each month, if the balance falls below $100.00.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	Quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15444)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteAmerican State Bank & Trust Company of Williston

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

BankNorth

Regular Savings

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8387)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBankNorth

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Border Bank

Simple Savings Plus

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 20776)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteBorder Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

First State Bank & Trust

Classic Savings

+$25

per year

1.00% APY

Oct 7, 2026

Needs at least $125,000

APY Range: 0.25% – 1.00%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14801)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFirst State Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Bank Forward

Regular Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Three withdrawals per month are free. Each additional withdrawal costs $2. The monthly service fee and the withdrawal fees are waived for holders under 21 and when the primary holder is 65 or older.

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	$200
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8941)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBank Forward

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Bell Bank

Regular Savings

+$20

per year

0.20% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 19581)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteBell Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

First State Bank

Relationship Savings

+$20

per year

0.20% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15539)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteFirst State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

Heartland State Bank

Statement Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3919)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHeartland State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

The Goose River Bank

Passbook Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The $5 service charge on this account is charged each quarter, not each month. It applies in any period in which the balance falls below $100.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$5 service charge if the balance falls below $100. Service fees are quarterly on savings.
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10236)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Goose River Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

Gate City Bank

Relationship Savings

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 27774)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGate City Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Gate City Bank

Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$200
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 27774)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGate City Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

BMO Bank

Savings Builder

+$1

per year

0.01% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16571)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Border Bank

Limited Edition Savings Account

+$0

per year

3.30% APY

Oct 7, 2026

FDIC InsuredHigh MinimumIn-Person Access

What to Watch

Variable rate. The APY can change after the account is opened. A balance below the minimum to earn the APY earns no interest.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$25,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 20776)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteBorder Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in North Dakota.

Institution	Product / Term	APY	Min. Deposit
Axos Bank	Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate	Up to5.00%	$0
GO2bank	High Yield Savingsfirst $5,000 only · needs a linked account at the bank	Up to4.50%	$0
Elevault	High Yield Savings Account	4.34%	$0
Peak Bank	Envision High Yield Savingsup to $499,999.99 only	4.27%	$100
Betterment	Cash Reservepromotional rate	Up to4.25%	$0
Neighbors Bank	Neighbors Savings Account	4.25%	$0
Pibank	Pibank Savings	4.25%	$0
EverBank	Performance Savings	4.20%	$0

See the full national list