Best Money Market Rates in North Dakota - June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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.
Current North Dakota money market deposit account rates include Old National BankOld National Bank807 Main St, Carrington, ND 58421A+5.0 ★Texas Ratio: 5.09% Market Monitor 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, Gate City BankGate City Bank500 2nd Ave N, Fargo, ND 58102A+5.0 ★Texas Ratio: 4.81% Money Market Savings Account at 2.50% APY, and United Savings Credit UnionUnited Savings Credit Union1001 1st Ave N, Fargo, ND 58102A5.0 ★Texas Ratio: 6.99% Money Market Share Accounts at 2.00% APY. Money market rates as of June 16, 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 Old National 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: June 16, 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
Old National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
807 Main St, Carrington, ND 58421
Market Monitor Money Market
3.25%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedJun 16, 2026
Details
Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money. If you are unable to meet the minimum opening deposit of $20,000 for this competitive new money rate plan, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.21% (3.25% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Offer available at Old National banking centers located in Iowa, Illinois, Indiana, Michigan, Minnesota, North Dakota, Wisconsin, and the Kentucky counties of Daviess, Henderson, Hopkins, Muhlenberg, and Union.
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—
UpdatedJun 16, 2026
Details
APY is variable and may change after account is opened. If fees are applied, earnings may be reduced. Not available for business accounts. There is a $5 fee for each withdrawal over 6 in a monthly statement period.
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—
UpdatedJun 16, 2026
Details
Elite Money Market Savings*
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
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Up to $3,000,000.00
Gate City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
Money Market Savings Account
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $1,000,000+
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—
UpdatedJun 16, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
Money Market Savings Account
2.00%
$500
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $500,000 - $999,999.99
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier 3
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—
UpdatedJun 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
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJun 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
1.55%
$0
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Forward Money Market Savings
1.55%
$0
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
615 S Broadway, Minot, ND 58701 4473
Nonprofit Money Market Account
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Elite
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.44%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 500,000-999,999
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 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
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
Premier Money Market Savings*
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJun 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—
UpdatedJun 16, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Elite
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 1.54%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
APY = Annual Percentage Yield
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.23%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 1,000,000-1,500,000
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—
UpdatedJun 16, 2026
Details
CHECKING**
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—
UpdatedJun 16, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
615 S Broadway, Minot, ND 58701 4473
Premium Money Market Account
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
1.11%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 250,000-499,999
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
Money Market Checking Tier 2
1.11%
$2,500
▼
Rate1.10%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
CHECKING**
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—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
615 S Broadway, Minot, ND 58701 4473
Money Market Account
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
Money Market Savings Account
1.00%
$500
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $250,000 - $499,999.99
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—
UpdatedJun 16, 2026
Details
CHECKING**
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—
UpdatedJun 16, 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
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 1.54%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
APY = Annual Percentage Yield
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—
UpdatedJun 16, 2026
Details
United Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
1001 1st Ave N, Fargo, ND 58102
Money Market Share Accounts
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier 2
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—
UpdatedJun 16, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Money Market Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
Money Market Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier 1
FARGO VA
Institution Rating:
A5.0 ★ Texas Ratio: 1.54%
2101 Elm St N, Fargo, ND 58102 2417
Money Market
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
APY = Annual Percentage Yield
Gate City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
Money Market Savings Account
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000 - $249,999.99
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—
UpdatedJun 16, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S, Fargo, ND 58104
Business Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 100,000-249,999
Dakota Plains Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.91%
212 5th Ave, Edgeley, ND 58433
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.44%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 50,000-99,999
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.38%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: 25,000-49,999
Gate City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
Money Market Savings Account
0.35%
$500
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $500 - $24,999.99
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
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.54%
204 W Thayer Ave, Bismarck, ND 58501
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: $0-9,999
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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
2.810%
▲ 0.101 vs 7 days ago
North Dakota high-yield MMA rates rose 0.101 points over the past 7 days to 2.810% APY.
Standard MMA — ND Avg
1.053%
▲ 0.044 vs 7 days ago
North Dakota standard MMA rates rose 0.044 points over the past 7 days to 1.053% APY.
As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Dakota money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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:
- Old National Bank
Market Monitor 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 - Gate City Bank
Money Market Savings Account — 2.50% APY - United Savings Credit Union
Money Market Share Accounts — 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: June 16, 2026
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