Belcourt, North Dakota (ND) Savings Rates - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Belcourt, North Dakota and the surrounding area include Service Federal Credit UnionService Federal Credit UnionA5.0 ★Texas Ratio: 11.03%Real return: +7.20%APY minus 2.8% CPI (February 2026) Deployed Warrior Savings at 10.00% APY, Med Park Credit UnionMed Park Credit UnionA+5.0 ★Texas Ratio: 0.18%Real return: +2.30%APY minus 2.8% CPI (February 2026) Savings Account at 5.10% APY, Bell BankBell BankA+5.0 ★Texas Ratio: 2.41%Real return: +0.76%APY minus 2.8% CPI (February 2026) IRA Variable Rate Savings at 3.56% APY, Capital Credit UnionCapital Credit UnionA5.0 ★Texas Ratio: 11.17%Real return: +0.24%APY minus 2.8% CPI (February 2026) Growth Savings at 3.04% APY, and Heartland State Bank Edgeley, NDHeartland State Bank Edgeley, NDA+5.0 ★Texas Ratio: 0.00%Real return: +0.20%APY minus 2.8% CPI (February 2026) IRA Savings at 3.00% APY.
Belcourt is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the North Dakota area are available to Belcourt residents, with savings rates as high as 10.00% APY from Service Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Belcourt, North Dakota and the surrounding area. Last Updated and Verified: April 12, 2026
Compare the Best Savings Rates in Belcourt, North Dakota & Surrounding Communities
Qualifying balance up to $25,000.00
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
Qualifying balance up to $999,999.99
Qualifying balance up to $499,999.99
Qualifying balance up to $99,999.99
$1,000 minimum opening deposit
$5,000 minimum opening deposit
$5,000 minimum opening deposit
$1,000 minimum opening deposit
Average daily balances must be $100 or greater to earn interest on savings accounts.
$1,000 minimum opening deposit
$1,000 minimum opening deposit
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.
Belcourt, ND Savings Rate Trends
Compare local Belcourt, ND savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
North Dakota high-yield savings rates rose 1.128 points over the past 7 days to 2.002% APY, up from 0.874%.
North Dakota standard savings rates currently average 0.783% APY based on data from institutions in our monitoring network.
Belcourt, North Dakota Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current ND high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current ND high-yield savings average of 2.002% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Belcourt, North Dakota.
Savings Account Earnings in Belcourt, North Dakota
Annual interest earnings at current ND average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.002% APY) | Monthly Earnings | Standard Savings (0.783% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.12 / year | $8.34 | $39.16 / year | $3.26 |
| $10,000 | $200.23 / year | $16.69 | $78.31 / year | $6.53 |
| $25,000 | $500.58 / year | $41.72 | $195.78 / year | $16.32 |
| $50,000 | $1,001.15 / year | $83.43 | $391.55 / year | $32.63 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Belcourt, North Dakota savings rate averages as of April 15, 2026. | ||||
Available in Belcourt, North Dakota Area
About Our Belcourt, North Dakota Savings Rate Database
MonitorBankRates tracks savings rate offers from 19 banks and credit unions available to Belcourt, North Dakota residents via statewide and national offers. No branch locations physically in Belcourt are currently in our database, but all listed offers are open to Belcourt depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Service Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Belcourt, North Dakota.
How to Find the Best Savings Rates in Belcourt, North Dakota
What to compare when shopping for a savings account in Belcourt, North Dakota
To find the best savings APYs in Belcourt, North Dakota, start with credit unions and online-only banks — Belcourt, North Dakota has 12 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current ND high-yield savings average is 2.002% — but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Belcourt, North Dakota high-yield savings rates currently average 2.002% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Belcourt, North Dakota institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 19 institutions in Belcourt, North Dakota report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Belcourt, North Dakota CD rates
- You want check-writing flexibility → Belcourt, North Dakota money market rates
- You need daily transaction access → Belcourt, North Dakota checking rates
Belcourt, North Dakota Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
14.2% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 0.0% reflects a strong local economy with solid savings capacity. At today’s ND high-yield savings average of 2.002%, saving 10% of the local median salary ($4,578/year) would earn an additional $92 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Belcourt, North Dakota Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Belcourt, North Dakota.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ND Avg APY | 2.002% | 0.783% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Belcourt, North Dakota averages tracked in our database as of April 15, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Belcourt, North Dakota
At ND’s top rate of 10.00% from Service Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Belcourt, North Dakota earner is roughly $11,400. At 2.002% APY, saving $950/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNorth Dakota’s high-yield savings average is 2.002% APY — variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Belcourt, North Dakota earner makes $45,783/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.002% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.002% APY grows to roughly $37,165 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Belcourt, 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 Belcourt, 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 Belcourt, North Dakota
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Belcourt, North Dakota safe?
How often do savings rates change in Belcourt, North Dakota?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Belcourt, North Dakota?
How do I open a savings account in Belcourt, North Dakota?
Best Savings Rates in Belcourt, North Dakota
- Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY - Med Park Credit Union
Savings Account — 5.10% APY - Bell Bank
IRA Variable Rate Savings — 3.56% APY - Capital Credit Union
Growth Savings — 3.04% APY - Heartland State Bank Edgeley, ND
IRA Savings — 3.00% APY
