Lefor, North Dakota Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Lefor, North Dakota savings account rates range from 0.75% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Lefor, North Dakota and the surrounding area include Service Federal Credit UnionService Federal Credit UnionA-4.9 ★Texas Ratio: 16.25%Real return: +7.20%APY minus 2.8% CPI (February 2026) Deployed Warrior Savings at 10.00% APY, 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 BankA+5.0 ★Texas Ratio: 3.66%Real return: +0.76%APY minus 2.8% CPI (February 2026) IRA Variable Rate Savings at 3.56% APY, US BankUS BankA+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, and Border BankBorder BankA5.0 ★Texas Ratio: 11.40%Real return: +0.50%APY minus 2.8% CPI (February 2026) Limited Edition Savings Account at 3.30% APY.
Lefor is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the North Dakota area are available to Lefor residents, with savings rates as high as 10.00% APY from Service Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lefor, North Dakota and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Lefor, North Dakota & Surrounding Communities
Tier 1; Balance: $0.00 - $10,000.00; for service members deployed in combat zones; contact us to determine eligibility; direct deposit of net pay required; withdrawals not permitted
Balance: $0.00 - $500; Dividends paid on daily balances up to $500; variable APY of 5.00%
Variable rate IRA; interest paid Monthly; APY is variable and may change monthly; APY assumes interest remains on deposit until maturity; a withdrawal will reduce earnings
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: $0.00 - $25,000.00; Tier 1; Relationship APY requires qualifying direct deposit into checking
Balance: $25,000 or greater; Checks: No; Free features: Account Alerts, eStatement/Paper Statement, Mobile Banking (APP), Mobile Check Deposit, Online Banking, Transfer the Cents (Personal Savings), Unlimited deposits, Unlimited withdrawals
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: 50,000.00+
Balance: $25,000.00 to $99,999.99; Payment Frequency: Monthly; Interest paid on the entire balance in the account
Balance: $1,000,000+
Balance: $2,000,000.00 and up
Balance: $2,000,000.00 and up
Balance: $500,000 - $999,999.99
Ages 21 and under only (ages 21 yrs. & younger)
- Oct 9, 20262.00%▲ from 1.75%
- Sep 18, 20261.75%first recorded
Balance: $5,001+
Balance: $5,001+
Balance: $100 - $5,000
Balance: $100 - $5,000
Balance: $250,000+
Balance: $100,000+
Balance: $250,000.00 +
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $0 - 20,000.00
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Interest rate and APY may change after account opening; fees may reduce earnings
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $150,000+
Balance: $100,000.00 - $249,999.99
Penalty for early withdrawal (footnote 1)
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly; Interest paid on the entire balance in the account
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly; Interest paid on the entire balance in the account
Balance: $500,000-999,999
Balance: $500,000-999,999
Balance: $50,000+
Balance: $50,000-$149,999
Balance: $100,000 - $249,999.99
Balance: $25,000+
Balance: $5000.00 to $99,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $5,000.00 to $99,999.99; Payment Frequency: Monthly; Interest paid on the entire balance in the account
Balance: $25,000 - $99,999.99
Balance: $5,000.00 - $99,999.99
Balance: $100,000.00 and up
Balance: $5,000.00 - $99,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Payment Frequency: Monthly; Service fee of $10 if minimum balance is not maintained
Balance: $500.00 minimum to earn interest; Payment Frequency: Monthly; Service fee of $10 if minimum balance not maintained
Balance: $125,000 and over; $200.00 minimum opening balance unless under age 23
Balance: $250,000 - $499,999.99
Balance: $50,000+
Balance: $0+
Balance: $250,000.00 And Up
Balance: $10,000 - $24,999.99
Balance: $25,000 - $49,999
Balance: $10,000.00 and over
- Oct 8, 20260.80%▲ from 0.60%
- Sep 25, 20260.60%first recorded
Effective Date: 02/23/2026
Effective Date: Monday, October 12th, 2026
Balance: $10,000.00 - $49,999.99
Balance: $50,000+
Balance: $50,000+
No Minimum Opening Deposit Required
IRA and HSA Savings
Average daily balances must be $100 or greater to earn interest on savings accounts.
Balance: $2,500.00 to $9,999.00
- Oct 8, 20260.75%▲ from 0.55%
- Sep 25, 20260.55%first recorded
Balance: $500.00 - $24,999.99
Balance: $100,000.00 - $249,999.00
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.
Lefor, ND Savings Rate Trends
Compare local Lefor, 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 0.134 points over the past 7 days to 1.673% APY, up from 1.539%.
North Dakota standard savings rates rose 0.015 points over the past 7 days to 0.646% APY, up from 0.632%.
Lefor, 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 to 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 1.673% 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 to 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 Lefor, North Dakota.
Savings Account Earnings in Lefor, 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 (1.673% APY) | Monthly Earnings | Standard Savings (0.646% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $83.66 / year | $6.97 | $32.32 / year | $2.69 |
| $10,000 | $167.31 / year | $13.94 | $64.64 / year | $5.39 |
| $25,000 | $418.28 / year | $34.86 | $161.60 / year | $13.47 |
| $50,000 | $836.55 / year | $69.71 | $323.20 / year | $26.93 |
| 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: Lefor, North Dakota savings rate averages as of October 14, 2026. | ||||
About Our Lefor, North Dakota Savings Rate Database
MonitorBankRates tracks savings rate offers from 24 banks and credit unions available to Lefor, North Dakota residents via statewide and national offers. No branch locations physically in Lefor are currently in our database, but all listed offers are open to Lefor 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 to 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 Lefor, North Dakota.
How to Find the Best Savings Rates in Lefor, North Dakota
What to compare when shopping for a savings account in Lefor, North Dakota
To find the best savings APYs in Lefor, North Dakota, start with credit unions and online-only banks: Lefor, North Dakota has 13 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 1.673% 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 to 6 months of expenses in a liquid, FDIC-insured account. Lefor, North Dakota high-yield savings rates currently average 1.673% APY, far above a typical checking account.
- Short-term savings goals (6 to 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 Lefor, North Dakota institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 24 institutions in Lefor, 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 Lefor, North Dakota CD rates
- You want check-writing flexibility Lefor, North Dakota money market rates
- You need daily transaction access Lefor, North Dakota checking rates
North Dakota Financial Snapshot
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 1.673%, saving 10% of the local median salary ($4,610/year) would earn an additional $77 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lefor, North Dakota Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lefor, North Dakota.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ND Avg APY | 1.673% | 0.646% | 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 to $100 | $25 to $100 | $0 to $2,500 | $500 to $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 Lefor, North Dakota averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lefor, 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 Lefor, North Dakota earner is roughly $11,500. At 1.673% 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 1.673% 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 Lefor, North Dakota earner makes $46,109/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.673% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.673% APY grows to roughly $34,839 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lefor, 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 Lefor, 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 Lefor, 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 Lefor, North Dakota
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lefor, North Dakota safe?
How often do savings rates change in Lefor, 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 Lefor, North Dakota?
How do I open a savings account in Lefor, North Dakota?
Best Savings Rates in Lefor, North Dakota
- Service Federal Credit Union
Deployed Warrior Savings: 10.00% APY - First State Bank (ND)
Vision Savings: 3.80% APY - Bell Bank
IRA Variable Rate Savings: 3.56% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Border Bank
Limited Edition Savings Account: 3.30% APY
Lefor, North Dakota Rates & Resources
