Best Money Market Rates in North Dakota (ND) - May 2026
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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.
Current North Dakota money market deposit account rates include 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, 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, and Bank ForwardBank Forward5650 37th Ave S, Fargo, ND 58104A+5.0 ★Texas Ratio: 1.33% Business Forward Money Market Savings at 2.00% APY. Money market rates as of May 4, 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 3.01% APY from Bell Bank at 520 Main Ave, Fargo, ND 58103. 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: May 4, 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
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Elite Money Market Savings
3.01%
$50
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
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—
UpdatedMay 4, 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
▼
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%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Up to $3,000,000.00; b,c,e
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
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 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
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.98%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.98%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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
▼
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%
$100,000
▼
Rate1.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 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
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.59%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.59%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
$5,000 minimum opening deposit
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Money Market Elite
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$150,000+
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
▼
Rate—
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
1.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
$5,000
▼
Rate1.39%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$5,000
▼
Rate1.39%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 4, 2026
Details
Qualifying balance up to $999,999.99
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
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 3, 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—
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000-$149,999
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
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 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—
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%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
1Money Market Checking Tier 2
1.11%
$2,500
▼
Rate1.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 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—
UpdatedMay 4, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 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 3
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 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%
$5,000
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 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%
$1,000
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
1.00%
$1,000
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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 Forward Money Market Savings
1.00%
$5,000
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
$5,000 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
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 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 5
0.85%
$2,500
▼
Rate0.85%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 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
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000+
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 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
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 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
▼
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
Business Money Market Savings
0.70%
$1,000
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
Money Market Savings
0.70%
$1,000
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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
0.70%
$25,000
▼
Rate0.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$25,000 - $49,999
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
▼
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
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$10,000 - $24,999
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
▼
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
Business Money Market Savings
0.60%
$1,000
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
Money Market Savings
0.60%
$1,000
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
$1,000 minimum opening deposit
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
▼
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%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Business Money Market
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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%
$2,500
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 13.63%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
▼
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
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$2,500 - $9,999
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
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
compound monthly
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
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.20%
$2,500
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
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MonitorBankRates
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.
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.
High-Yield MMA — ND Avg
3.009%
▼ 0.130 vs 7 days ago
North Dakota high-yield MMA rates fell 0.130 points over the past 7 days to 3.009% APY.
Standard MMA — ND Avg
1.103%
▼ 0.030 vs 7 days ago
North Dakota standard MMA rates fell 0.030 points over the past 7 days to 1.103% APY.
As of May 5, 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 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), 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 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.
How much do I need to deposit to open a money market account in 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 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 North Dakota
Here are some of the highest money market account APYs currently available in North Dakota:
- 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 - Bank Forward
Business Forward Money Market Savings — 2.00% 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: May 4, 2026
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