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Best Money Market Rates in Fargo, North Dakota (ND) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: May 12, 2026

Current Fargo, North Dakota and the surrounding area money market deposit account rates include Bremer BankBremer Bank1444 45th St Sw, Fargo, ND 58103A+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, 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, United Savings Credit UnionUnited Savings Credit Union1001 1st Ave N, Fargo, ND 58102A5.0 ★Texas Ratio: 7.47% Money Market Share Accounts at 2.00% APY, and Town and Country Credit UnionTown and Country Credit Union815 25th St S, Fargo, ND 58103 2397A+5.0 ★Texas Ratio: 3.36% Nonprofit Money Market Account at 1.50% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Fargo has 8 local institutions in our database, with money market rates as high as 3.25% APY from Bremer Bank at 1444 45th St Sw, Fargo, ND 58103. Use the table below to compare all available offers, including options from institutions serving the broader North Dakota area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Fargo, North Dakota and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Fargo, North Dakota & the Surrounding Area

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%
1444 45th St Sw, Fargo, ND 58103
Money Market
3.25%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 4, 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%
$50
View
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

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—
UpdatedMay 5, 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—
UpdatedMay 5, 2026
Details

Up to $3,000,000.00

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—
UpdatedMay 10, 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—
UpdatedMay 10, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Premium Money Market Account
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Nonprofit Money Market Account
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
1.44%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

must maintain minimum to earn dividends

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Premium Money Market Account
1.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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—
UpdatedMay 4, 2026
Details

Qualifying balance up to $999,999.99

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—
UpdatedMay 4, 2026
Details

Qualifying balance up to $499,999.99

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—
UpdatedMay 12, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
1.23%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
Premier Money Market Savings*
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $99,999.99

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Premium Money Market Account
1.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
1.11%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 4, 2026
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Money Market Account
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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
0.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 12, 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—
UpdatedMay 10, 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—
UpdatedMay 6, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
0.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

must maintain minimum to earn dividends

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—
UpdatedMay 12, 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
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
0.44%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

must maintain minimum to earn dividends

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
0.38%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

must maintain minimum to earn dividends

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

must maintain minimum to earn dividends

American Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Money Market Special
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Vue Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Business Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Money Market Account
1.70%
$100,000
View
▼
Rate1.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Money Market Elite
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Money Market Elite
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Checking Tier 1
1.21%
$2,500
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Checking Tier 2
1.11%
$2,500
View
▼
Rate1.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Checking Tier 3
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Checking Tier 4
0.95%
$2,500
View
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Checking Tier 5
0.85%
$2,500
View
▼
Rate0.85%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Money Market Savings
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Business Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Money Market Account
0.70%
$25,000
View
▼
Rate0.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Money Market Savings
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
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%
Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

compound monthly

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Money Market Account
0.55%
$2,500
View
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Money Market Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

compound monthly

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 Fargo, 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.

Fargo, ND Money Market Rate Trends

Compare local Fargo, ND 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
3.070%
▼ 0.023 vs 7 days ago

North Dakota high-yield MMA rates fell 0.023 points over the past 7 days to 3.070% APY.

Standard MMA — ND Avg
0.712%
▼ 0.388 vs 7 days ago

North Dakota standard MMA rates fell 0.388 points over the past 7 days to 0.712% APY.

As of May 13, 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 deposit account rates for Fargo, 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 Fargo, 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 Fargo, North Dakota

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Fargo, 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 Fargo, 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.

How much do I need to deposit to open a money market account in Fargo, North Dakota?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Fargo, North Dakota require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Fargo, North Dakota

Here are some of the highest money market account APYs currently available in Fargo, North Dakota and the surrounding area:
  • Bremer Bank
    Money Market — 3.25% APY
  • Bell Bank
    Elite Money Market Savings — 3.01% APY
  • VISIONBank Saint Francis, MN
    Premium Money Market Business — 3.00% APY
  • United Savings Credit Union
    Money Market Share Accounts — 2.00% APY
  • Town and Country Credit Union
    Nonprofit Money Market Account — 1.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Fargo, North Dakota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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