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Best Money Market Rates in North Dakota (ND) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 22, 2026

Current North Dakota money market rates include Bremer BankBremer Bank807 Main St, Carrington, ND 58421A+5.0 ★Texas Ratio: 4.07% Money Market at 3.25% APY, Bell BankBell Bank520 Main Ave, Fargo, ND 58103A+5.0 ★Texas Ratio: 2.41% Elite Money Market Savings* at 3.01% APY, American Bank & TrustAmerican Bank & Trust902 Main St, Lisbon, ND 58054A+5.0 ★Texas Ratio: 2.47% Money Market Special at 3.00% APY, VISIONBank Saint Francis, MNVISIONBank Saint Francis, MN3000 25th St S, Fargo, ND 58103A5.0 ★Texas Ratio: 6.85% Premium Money Market Business at 3.00% APY, and Service Federal Credit UnionService Federal Credit Union589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020A5.0 ★Texas Ratio: 11.03% Business Money Market at 2.50% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across North Dakota side-by-side. North Dakota money market rates currently reach as high as 3.25% APY from Bremer Bank at 807 Main St, Carrington, ND 58421. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in North Dakota and surrounding area. Last Updated and Verified: April 22, 2026

Compare the Best Money Market Rates Today in North Dakota

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bremer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
807 Main St, Carrington, ND 58421
Money Market
3.25%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 17, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Elite Money Market Savings*
3.01%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

American Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
902 Main St, Lisbon, ND 58054
Money Market Special
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
Premium Money Market Business
3.00%
$1,000
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $3,000,000.00

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
Premium Money Market Personal
3.00%
$1,000
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details

b,c,e

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Forward Money Market Savings
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Business Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Forward Money Market Savings
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Forward Money Market Savings
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Elite
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway, Minot, ND 58701 4473
Nonprofit Money Market Account
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.44%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Forward Money Market Savings
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings
1.36%
$0
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
Classic Money Market Accounts
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Elite
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 13.63%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.23%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 1
1.21%
$2,500
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Rates may change any time after opening account.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings*
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 2
1.11%
$2,500
View
▼
Rate1.10%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Rates may change any time after opening account.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.11%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Money Market Savings
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway, Minot, ND 58701 4473
Money Market Account
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Forward Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Money Market Savings
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$5,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 3
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Rates may change any time after opening account.

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 4
0.95%
$2,500
View
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Rates may change any time after opening account.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 5
0.85%
$2,500
View
▼
Rate0.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Rates may change any time after opening account.

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Money Market Savings
0.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 13.63%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
Classic Money Market Accounts
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
424 Main St, Bottineau, ND 58318
MMA
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Money Market Savings
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Money Market Savings
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Business Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
Money Market Account
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

compound monthly

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Money Market Savings
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
Money Market Account
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

compound monthly

FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 13.63%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Money Market Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Money Market Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000 minimum opening deposit

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

First State Bank of Harvey
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
Money Market Account
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

compound monthly

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.44%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.38%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

First State B&T Williston, ND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
Classic Money Market Accounts
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

must maintain minimum to earn dividends

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in North Dakota and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

North Dakota Money Market Rate Trends

Compare local North Dakota money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full North Dakota MMA Trends →
High-Yield MMA — ND Avg
3.125%
▲ 0.087 vs 7 days ago

North Dakota high-yield MMA rates rose 0.087 points over the past 7 days to 3.125% APY.

Standard MMA — ND Avg
1.107%
▲ 0.022 vs 7 days ago

North Dakota standard MMA rates rose 0.022 points over the past 7 days to 1.107% APY.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for North Dakota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in North Dakota. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in ND.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in North Dakota

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in North Dakota.

Are Money Market accounts in North Dakota safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in North Dakota up to $250,000 per depositor, per institution.

How often do MMA rates change in North Dakota?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local North Dakota rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in North Dakota

Here are some of the highest money market account APYs currently available in North Dakota:
  • Bremer Bank
    Money Market — 3.25% APY
  • Bell Bank
    Elite Money Market Savings* — 3.01% APY
  • American Bank & Trust
    Money Market Special — 3.00% APY
  • VISIONBank Saint Francis, MN
    Premium Money Market Business — 3.00% APY
  • Service Federal Credit Union
    Business Money Market — 2.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in North Dakota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026

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Cities in North Dakota

  • Abercrombie
  • Absaraka
  • Adams
  • Agate
  • Alamo
  • Alexander
  • Almont
  • Alsen
  • Ambrose
  • Amenia
  • Amidon
  • Anamoose
  • Aneta
  • Antler
  • Ardoch
  • Argusville
  • Arnegard
  • Arthur
  • Arvilla
  • Ashley
  • Ayr
  • Baldwin
  • Balfour
  • Balta
  • Bantry
  • Barney
  • Bathgate
  • Beach
  • Belcourt
  • Belfield
  • Benedict
  • Berlin
  • Berthold
  • Beulah
  • Binford
  • Bisbee
  • Bismarck
  • Blanchard
  • Bottineau
  • Bowbells
  • Bowdon
  • Bowman
  • Braddock
  • Bremen
  • Brinsmade
  • Brocket
  • Buchanan
  • Buffalo
  • Burlington
  • Butte
  • Buxton
  • Caledonia
  • Calvin
  • Cando
  • Cannon Ball
  • Carpio
  • Carrington
  • Carson
  • Cartwright
  • Casselton
  • Cathay
  • Cavalier
  • Cayuga
  • Center
  • Chaffee
  • Chaseley
  • Christine
  • Churchs Ferry
  • Clay
  • Cleveland
  • Clifford
  • Cogswell
  • Coleharbor
  • Colfax
  • Colquhoun
  • Columbus
  • Cooperstown
  • Courtenay
  • Crary
  • Crosby
  • Crystal
  • Cummings
  • Dahlen
  • Davenport
  • Dawson
  • Dazey
  • Deering
  • Denhoff
  • Des Lacs
  • Devils Lake
  • Dickey
  • Dickinson
  • Dodge
  • Donnybrook
  • Douglas
  • Drake
  • Drayton
  • Driscoll
  • Dunn Center
  • Dunseith
  • Eckelson
  • Edgeley
  • Edinburg
  • Edmore
  • Egeland
  • Elgin
  • Ellendale
  • Emerado
  • Enderlin
  • Epping
  • Erie
  • Esmond
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  • Fairfield
  • Fairmount
  • Fargo
  • Farmington
  • Fessenden
  • Fingal
  • Finley
  • Flasher
  • Flaxton
  • Forbes
  • Fordville
  • Forest River
  • Forman
  • Fort Ransom
  • Fort Totten
  • Fort Yates
  • Fortuna
  • Fredonia
  • Fullerton
  • Gackle
  • Galesburg
  • Gardner
  • Garrison
  • Gilby
  • Gladstone
  • Glasston
  • Glen Ullin
  • Glenburn
  • Glenfield
  • Golden Valley
  • Golva
  • Goodrich
  • Grace City
  • Grafton
  • Grand Forks
  • Grandfield
  • Grandin
  • Granville
  • Grassy Butte
  • Great Bend
  • Grenora
  • Gwinner
  • Hague
  • Halliday
  • Hamberg
  • Hamilton
  • Hampden
  • Hankinson
  • Hannaford
  • Hannah
  • Hansboro
  • Harvey
  • Harwood
  • Hatton
  • Havana
  • Hazelton
  • Hazen
  • Hebron
  • Hensel
  • Hettinger
  • Hillsboro
  • Hoople
  • Hope
  • Horace
  • Hunter
  • Hurdsfield
  • Inkster
  • Jamestown
  • Jessie
  • Jud
  • Karlsruhe
  • Kathryn
  • Keene
  • Kenmare
  • Kensal
  • Kief
  • Killdeer
  • Kindred
  • Kintyre
  • Knox
  • Kramer
  • Kulm
  • Lakota
  • Reeder
  • Regan
  • Regent
  • Reynolds
  • Rhame
  • Richardton
  • Riverdale
  • Robinson
  • Rocklake
  • Rogers
  • Rolette
  • Rolla
  • Roseglen
  • Ross
  • Rugby
  • Ruso
  • Rutland
  • Ryder
  • Saint Anthony
  • Saint John
  • Saint Michael
  • Saint Thomas
  • Sanborn
  • Sarles
  • Sawyer
  • Scranton
  • Selfridge
  • Sentinel Butte
  • Sharon
  • Sheldon
  • Sherwood
  • Sheyenne
  • Shields
  • Solen
  • Souris
  • South Heart
  • Spiritwood
  • Stanley
  • Stanton
  • Starkweather
  • Steele
  • Sterling
  • Stirum
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  • Streeter
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  • Sutton
  • Sykeston
  • Tappen
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  • Thompson
  • Tioga
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  • Webster
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  • White Earth
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  • Williston
  • Willow City
  • Wilton
  • Wimbledon
  • Wing
  • Wishek
  • Wolford
  • Woodworth
  • Wyndmere
  • York
  • Ypsilanti
  • Zahl
  • Zap
  • Zeeland