Brian McKay
The best savings rates for Glasston, North Dakota and the surrounding area include First State Bank (ND)First State Bank (ND)A+5.0 ★Texas Ratio: 0.00%Real return: +1.00%APY minus 2.8% CPI (February 2026) Vision Savings at 3.80% APY, Bell BankBell BankA5.0 ★Texas Ratio: 8.15%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: 8.38%Real return: +0.24%APY minus 2.8% CPI (February 2026) Growth Savings at 3.04% APY, Heartland State Bank Edgeley, NDHeartland State Bank Edgeley, NDA-5.0 ★Texas Ratio: 14.44%Real return: +0.20%APY minus 2.8% CPI (February 2026) IRA Savings at 3.00% APY, and Town and Country Credit UnionTown and Country Credit UnionA+5.0 ★Texas Ratio: 1.62%Real return: +0.20%APY minus 2.8% CPI (February 2026) Checking and Savings Account at 3.00% APY.
Glasston 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 Glasston residents, with savings rates as high as 3.80% APY from First State Bank (ND). Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Glasston, North Dakota and the surrounding area. Last Updated and Verified: September 14, 2026
Elite Money Market Savings*
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances up to $20,000 receive APY of 3.00% and balances over $20,000 earn the regular checking account dividend rate ranging from 0% to .02% APY. If qualifications are not met all balances earn the regular checking account dividend rate ranging from 0% - .02% APY. Rates effective as of 9/1/2026. Dividends accrue daily and are paid monthly based on the average daily balance of the account. Rates are subject to change without notice. Terms, conditions and restrictions may apply.
Qualifications Required: Qualifying for Kasasa Cash or Cash Back rewards earns you the highest Kasasa Saver rate, while non-qualifying cycles still offer a base rate and no fees, with full rewards available once you requalify.; Links to free Kasasa Cash or Kasasa Cash Back checking; Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
Balance: ages 21 and under only; (ages 21 yrs. & younger)
Balance: $100,000.00 - $249,999.99
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Balance: $50,000.00 - $99,999.99
Balance: $10,000.00 - $49,999.99
Compare local Glasston, 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 fell 0.121 points over the past 7 days to 1.858% APY, down from 1.980%.
North Dakota standard savings rates fell 0.013 points over the past 7 days to 0.801% APY, down from 0.814%.
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 1.858% 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: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes 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 Glasston, 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 (1.858% APY) | Monthly Earnings | Standard Savings (0.801% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $92.92 / year | $7.74 | $40.04 / year | $3.34 |
| $10,000 | $185.84 / year | $15.49 | $80.08 / year | $6.67 |
| $25,000 | $464.60 / year | $38.72 | $200.20 / year | $16.68 |
| $50,000 | $929.20 / year | $77.43 | $400.40 / year | $33.37 |
| 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: Glasston, North Dakota savings rate averages as of September 16, 2026. | ||||
MonitorBankRates tracks savings rate offers from 17 banks and credit unions available to Glasston, North Dakota residents via statewide and national offers. No branch locations physically in Glasston are currently in our database, but all listed offers are open to Glasston 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: First State Bank (ND) offers a savings account at 3.80% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Glasston, North Dakota.
What to compare when shopping for a savings account in Glasston, North Dakota
To find the best savings APYs in Glasston, North Dakota, start with credit unions and online-only banks: Glasston, North Dakota has 10 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 1.858% but top local institutions are offering as high as 3.80%, 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.
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
16.5% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy with solid savings capacity. At today’s ND high-yield savings average of 1.858%, saving 10% of the local median salary ($4,610/year) would earn an additional $86 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Glasston, North Dakota.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ND Avg APY | 1.858% | 0.801% | 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 | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | 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 Glasston, North Dakota averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
At ND’s top rate of 3.80% from First State Bank (ND), a $10,000 deposit earns $380 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Glasston, North Dakota earner is roughly $11,500. At 1.858% APY, saving $960/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 1.858% 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 Glasston, North Dakota earner makes $46,109/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.858% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.858% APY grows to roughly $36,131 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Glasston, North Dakota savings 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 Savings Rate Data: We aggregate savings account rates for Glasston, 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 Glasston, 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.