Newburg, North Dakota Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Newburg, North Dakota savings account rates range from 0.75% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Newburg, North Dakota and the surrounding area include Service Federal Credit UnionService Federal Credit UnionA-4.9 ★Texas Ratio: 16.25%Real return: +6.30%APY minus 3.7% CPIRate verified Oct 20, 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: +0.10%APY minus 3.7% CPIRate verified Oct 20, 2026 Personal Savings - Vision Savings at 3.80% APY, Bell BankBell BankA+5.0 ★Texas Ratio: 3.66%Real return: -0.14%APY minus 3.7% CPIRate verified Oct 20, 2026 IRA Variable Rate Savings at 3.56% APY, US BankUS BankA+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Bank Smartly Savings Account at 3.50% APY, and Border BankBorder BankA5.0 ★Texas Ratio: 11.40%Real return: -0.40%APY minus 3.7% CPIRate verified Oct 20, 2026 Limited Edition Savings Account at 3.30% APY.
Newburg 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 Newburg 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 Newburg, North Dakota and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Newburg, North Dakota & Surrounding Communities
Balance: $0.00 - $10,000.00; Service members deployed in combat zones; Contact us to determine eligibility; Direct deposit of net pay required
Balance: $0.00 - $500; Dividends paid on daily balances of up to $500; variable APY of 5.00%; Must be a member of Service CU or establish membership with $5 in a Primary Savings Account
Minimum Balance to earn interest: $50.00; Payment Frequency: Monthly; Annual Percentage Yield (APY) is variable and may change monthly.
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $0.00 - $25,000.00; Tier 1; Relationship APY of 3.50% requires a qualifying direct deposit into a checking account; without one, 0.25% APY
Balance: $25,000.00 or greater; Not available for business accounts, IRA's and HSA's
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $50,000.00 and over
Balance: $25,000.00 - $99,999.99; Payment Frequency: Monthly; Interest paid on entire balance in account
Minimum to earn APY: $50,000
Balance: $1,000,000 and over
Balance: $2,000,000.00 and up
Balance: $2,000,000.00 and up
Balance: $500,000 - $999,999.99
Balance: $500,000.00 & over; Minimum initial deposit of $1,000; Tiered interest rates; Rates posted as of June 3, 2026
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: $100,000.00 - $499,999.99; Minimum initial deposit of $1,000; Tiered interest rates; Rates posted as of June 3, 2026
Balance: $100 - $5,000
Balance: $100 - $5,000
Balance: $250,000+
Balance: $100,000+; IRA Investments
Balance: $250,000.00 +
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $25,000.00 - $99,999.99; Minimum initial deposit of $1,000; Tiered interest rates; Rates posted as of June 3, 2026
Balance: $0 - 20,000.00; Qualifying balance up to $20,000.00
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $0.01 - $24,999.99; Minimum initial deposit of $1,000; Tiered interest rates; Rates posted as of June 3, 2026
Balance: $150,000+
Balance: $100,000.00 - $249,999.99
Penalty for early withdrawal applies
Balance: $500,000.00 to $999,999.99; 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 rate 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+; Maintain a $500 daily balance; Must be 55 years or older to have a Senior Express Club Savings account
Balance: $5000.00 to $99,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $25,000 - $99,999.99; IRA Investments
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
Balance: $500.00 minimum to earn interest; Payment Frequency: Monthly; Service fee of $10 if minimum balance not maintained
Balance: $125,000 +; $200.00 minimum opening balance unless under age 23
Balance tier from $0.00 (next tier starts at $5,001.00)
Balance: $250,000 - $499,999.99
Balance: $50,000+
Balance: $0.00+ (Average Daily Balance)
Balance: $250,000.00 And Up
Balance: $10,000 - $24,999.99; IRA Investments
Balance: $25,000 - $49,999
Balance: $150,000 and over
- Oct 23, 20260.80%▲ from 0.70%
- Sep 25, 20260.70%first recorded
Balance: $10,000.00 and over; Individual Accounts Insured up to $250,000 by NCUA; Declared Dividends for Third Quarter 2026
- Oct 8, 20260.80%▲ from 0.60%
- Sep 25, 20260.60%first recorded
Effective Date: 02/23/2026
Balance: $10,000.00 - $49,999.99
Balance: $50,000+
Balance: $50,000+
Average daily balances must be $100 or greater to earn interest on savings accounts
Balance: $2,500.00 to $9,999.00; Individual Accounts Insured up to $250,000 by NCUA; Declared Dividends for Third Quarter 2026
- Oct 8, 20260.75%▲ from 0.55%
- Sep 25, 20260.55%first recorded
Balance: $500.00 - $24,999.99; Maintain a $500 daily balance; Must be 55 years or older to have a Senior Express Club Savings account
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.
Newburg, ND Savings Rate Trends
Compare local Newburg, 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 0.062 points over the past 7 days to 1.793% APY, up from 1.731%.
North Dakota standard savings rates rose 0.019 points over the past 7 days to 0.659% APY, up from 0.641%.
Newburg, 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 1.793% 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 Newburg, North Dakota.
Savings Account Earnings in Newburg, 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 (1.793% APY) | Monthly Earnings | Standard Savings (0.659% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $89.66 / year | $7.47 | $32.96 / year | $2.75 |
| $10,000 | $179.33 / year | $14.94 | $65.92 / year | $5.49 |
| $25,000 | $448.32 / year | $37.36 | $164.80 / year | $13.73 |
| $50,000 | $896.65 / year | $74.72 | $329.60 / year | $27.47 |
| 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: Newburg, North Dakota savings rate averages as of October 25, 2026. | ||||
About Our Newburg, North Dakota Savings Rate Database
MonitorBankRates tracks savings rate offers from 27 banks and credit unions available to Newburg, North Dakota residents via statewide and national offers. No branch locations physically in Newburg are currently in our database, but all listed offers are open to Newburg 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 Newburg, North Dakota.
How to Find the Best Savings Rates in Newburg, North Dakota
What to compare when shopping for a savings account in Newburg, North Dakota
To find the best savings APYs in Newburg, North Dakota, start with credit unions and online-only banks: Newburg, North Dakota has 14 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 1.793% 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. Newburg, North Dakota high-yield savings rates currently average 1.793% 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 Newburg, North Dakota institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 27 institutions in Newburg, 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 Newburg, North Dakota CD rates
- You want check-writing flexibility Newburg, North Dakota money market rates
- You need daily transaction access Newburg, 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 1.793%, saving 10% of the local median salary ($4,610/year) would earn an additional $83 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Newburg, North Dakota Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Newburg, North Dakota.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ND Avg APY | 1.793% | 0.659% | 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 Newburg, North Dakota averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Newburg, 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 Newburg, North Dakota earner is roughly $11,500. At 1.793% 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 1.793% 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 Newburg, North Dakota earner makes $46,109/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.793% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.793% APY grows to roughly $35,672 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 Newburg, 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 Newburg, 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 Newburg, 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 Newburg, North Dakota
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Newburg, North Dakota safe?
How often do savings rates change in Newburg, 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 Newburg, North Dakota?
How do I open a savings account in Newburg, North Dakota?
Best Savings Rates in Newburg, North Dakota
- Service Federal Credit Union
Deployed Warrior Savings: 10.00% APY - First State Bank (ND)
Personal Savings - 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
Newburg, North Dakota Rates & Resources
