Fargo, North Dakota (ND) Savings Rates - March 2026
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The savings 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.
The best savings rates for Fargo, North Dakota and the surrounding area include Bell BankBell Bank520 Main Ave, Fargo, ND 58103A+5.0 ★Texas Ratio: 2.41% IRA Variable Rate Savings at 3.56% APY, Capital Credit UnionCapital Credit Union4900 13th Ave S, Fargo, ND 58103A5.0 ★Texas Ratio: 11.17% Growth Savings at 3.04% APY, Bank ForwardBank Forward5650 37th Ave S, Fargo, ND 58104A+5.0 ★Texas Ratio: 1.33% Business Forward Money Market Savings at 2.00% APY, United Savings Credit UnionUnited Savings Credit Union1001 1st Ave N, Fargo, ND 58102A5.0 ★Texas Ratio: 7.47% IRA Share Accounts at 1.50% APY, and Town and Country Credit UnionTown and Country Credit Union815 25th St S, Fargo, ND 58103 2397A+5.0 ★Texas Ratio: 3.36% Health Savings Account at 1.00% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Fargo, North Dakota, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Fargo, North Dakota (ND) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fargo, North Dakota and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Fargo, North Dakota & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
IRA Variable Rate Savings
3.56%
$50
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMar 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Growth Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$5,000 minimum opening deposit
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Thrive Savings Account
1.61%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Grow your money with up to 1.61% APY
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Thrive Savings
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 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
IRA Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND 58102
IRA Share Accounts
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 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
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings*
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Money Market Savings
1.06%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 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
Forward Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 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
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$1,000 minimum opening deposit
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 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
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 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
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 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
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 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
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$200 minimum opening deposit
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
Vision Savings
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMar 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Roth IRA Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND 58102
Regular Share Accounts
0.05%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Traditional IRA Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Share Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No account fees or limits on deposits
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Secondary Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Education IRA Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Regular Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Special Savings (Includes Christmas Club & Vacation Savings)
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
Share Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Secondary Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
Primary Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
Deployed Warrior Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND 58201
Savings Account
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
Primary Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Western Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1300 Bison Dr, Williston, ND 58801 3770
Pledge of Savings Loan
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
IRA Shares
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
IRA Shares
1.80%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
High Yield Savings
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
IRA Savings
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
18 MAIN AVE S, KULM, ND 58456
Youth Share Savings
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
ages 21 and under only
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.58%
340 N MAIN ST, Watford City, ND 58854
IRA Savings
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
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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.
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.
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 Savings Rate Trends
Compare local Fargo, ND savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — ND Avg
0.313%
▼ 0.304 from last week
North Dakota high-yield savings rates fell 0.304 points this week to 0.313% APY, down from 0.617% last week.
Standard Savings — ND Avg
0.451%
▲ 0.224 from last week
North Dakota standard savings rates rose 0.224 points this week to 0.451% APY, up from 0.226% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in ND.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Fargo, North Dakota
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in North Dakota, help your money grow faster through a higher APY.
Are savings 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 savings rates change in Fargo, North Dakota?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Fargo, North Dakota may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Fargo, North Dakota?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Fargo, North Dakota offer in-person customer service, which some customers prefer.
How do I open a savings account in Fargo, North Dakota?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Fargo, North Dakota
Here are recent savings rates observed in Fargo, North Dakota and the surrounding area:
- Bell Bank
IRA Variable Rate Savings — 3.56% APY - Capital Credit Union
Growth Savings — 3.04% APY - Bank Forward
Business Forward Money Market Savings — 2.00% APY - United Savings Credit Union
IRA Share Accounts — 1.50% APY - Town and Country Credit Union
Health Savings Account — 1.00% APY
Savings 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: March 26, 2026
