Valley City, North Dakota Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Valley City, North Dakota savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Valley City, North Dakota and the surrounding area include Wells FargoWells Fargo201 Central Ave N, Valley City, ND 58072A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 20, 2026 Platinum Savings - New Savings Customers at 3.25% APY, Bank ForwardBank Forward430 W Main St, Valley City, ND 58072A5.0 ★Texas Ratio: 6.75%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 20, 2026 Business Forward Money Market Savings at 2.00% APY, First Community Credit Union Jamestown, NDFirst Community Credit Union Jamestown, ND115 5th Ave NE, Valley City, ND 58072A+5.0 ★Texas Ratio: 3.52%Real return: -3.45%APY minus 3.7% CPIRate verified Oct 22, 2026 Kasasa Saver Savings at 0.25% APY, Dacotah BankDacotah Bank240 3rd St Nw, Valley City, ND 58072A5.0 ★Texas Ratio: 12.58%Real return: -3.55%APY minus 3.7% CPIRate verified Oct 20, 2026 Health Savings Account at 0.15% APY, and 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.
Valley City has 29 local institutions in our database, with savings rates as high as 3.25% APY from Wells Fargo at 201 Central Ave N, Valley City, ND 58072. Use the table below to compare all available offers, including options from institutions serving the broader North Dakota area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Valley City, North Dakota and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Valley City, North Dakota & Surrounding Communities
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $2,000,000.00 and up
Balance: $2,000,000.00 and up
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: $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: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99
Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Rates and APYs accurate as of 1/1/2021
Balance: $50,000 minimum to obtain APY
Balance: $25,000 minimum to obtain APY
Balance: $0 or more; Relationship rate when linked to Premier Checking or Checking; Bay Area CA counties only
Balance: $0.01 minimum to obtain APY
Balance: $0 or more; Relationship rate when linked to Prime Checking or Checking; Bay Area CA counties only
Balance: $0 or more; Avoid $12 monthly fee with $3,500 minimum daily balance; Bay Area CA counties only
Balance: $0 or more; Bay Area CA counties only
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: $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: $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 - $5,000
Balance: $100 - $5,000
Balance: $250,000+
Balance: $100,000+; IRA Investments
Balance: $250,000.00 +
Balance: $0 - 20,000.00; Qualifying balance up to $20,000.00
Balance: $150,000+
Balance: $100,000.00 - $249,999.99
Penalty for early withdrawal applies
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: $25,000 - $99,999.99; IRA Investments
Balance: $50,000.00 - $99,999.99
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
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.
Valley City, ND Savings Rate Trends
Compare local Valley City, 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%.
Valley City, 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 Valley City, North Dakota.
Savings Account Earnings in Valley City, 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: Valley City, North Dakota savings rate averages as of October 25, 2026. | ||||
About Our Valley City, North Dakota Savings Rate Database
MonitorBankRates found 4 institutions with branches in Valley City (3 banks, 1 credit union), plus 21 additional state-chartered and national online institutions available to Valley City residents. 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: Wells Fargo offers a savings account at 3.25% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Valley City, North Dakota.
How to Find the Best Savings Rates in Valley City, North Dakota
What to compare when shopping for a savings account in Valley City, North Dakota
To find the best savings APYs in Valley City, North Dakota, start with credit unions and online-only banks: Valley City, North Dakota has 15 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 3.25%, 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. Valley City, 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 Valley City, North Dakota institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Valley City, 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 Valley City, North Dakota CD rates
- You want check-writing flexibility Valley City, North Dakota money market rates
- You need daily transaction access Valley City, 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 Valley City, North Dakota Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Valley City, 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 Valley City, 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 Valley City, North Dakota
At ND’s top rate of 3.25% from Wells Fargo, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Valley City, 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 Valley City, 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 Valley City, 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 Valley City, 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 Valley City, 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 Valley City, North Dakota
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Valley City, North Dakota safe?
How often do savings rates change in Valley City, 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 Valley City, North Dakota?
How do I open a savings account in Valley City, North Dakota?
Best Savings Rates in Valley City, North Dakota
- Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - Bank Forward
Business Forward Money Market Savings: 2.00% APY - First Community Credit Union Jamestown, ND
Kasasa Saver Savings: 0.25% APY - Dacotah Bank
Health Savings Account: 0.15% APY - Service Federal Credit Union
Deployed Warrior Savings: 10.00% APY
Valley City, North Dakota Rates & Resources
