Please update your browser.

We no longer support Internet Explorer. Using another browser will help protect your accounts and provide a better experience.

Supported browsers: Chrome, Firefox, Edge, Safari

Rates

Interest Rates Effective: November 4, 2022

Specials

  Interest RateAPY   Minimum Balance 
11 Months2.002.02500
23 Months2.402.43500
35 Months2.502.53500
59 Months2.602.63500

Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, or at the option selected by the customer. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.

Certificates of Deposit

  Interest RateAPY   Minimum Balance 
6 Months.50.50500
12 Months.75.75500
18 Months.90.90500
24 Months1.201.21500
30 Months1.451.46500
36 Months1.501.51500
48 Months1.651.66500
60 Months1.751.77500

Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, unless otherwise agreed at account opening. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.

Personal Checking/Savings Accounts

  Interest RateAPY   Minimum Balance 
Money Market .10.10 1,000-49,999
.15.1550,000-149,999
.25.25150,000+
Presidential Account.04.041,500-24,999
.13.1325,000 – 99,999
.17.17100,000+
Advantage Checking.02.02500
Personal Savings.04.04100 – 24,999
.10.1025,000 – 49,999
.15.1550,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account.

Disclosure of Account Terms for Checking and Savings Accounts: The interest rate and annual percentage yield on your checking or savings account may change after the account is opened. Interest will be compounded and credited monthly for all checking accounts and quarterly on savings accounts. Interest is calculated using the daily balance method.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.

IRA Accounts

  Interest RateAPY   Minimum Balance 
12 Months1.101.1150
24 Months1.401.4150
36 Months1.651.6650
48 Months1.801.8250
60 Months2.002.0250

Disclosure of Account Terms for IRA Accounts: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, unless otherwise agreed at account opening. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.

Health Savings Accounts

  Interest RateAPY   Minimum Balance 
Tier 1.10.10.00-4,999
Tier 2.15.155,000-9,999
Tier 3.20.2010,000-24,999
Tier 4.25.2525,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account.

Disclosure of Account Terms for Health Savings Accounts (HSA): The interest rate and annual percentage yield on your checking or savings account may change after the account is opened. Interest will be compounded and credited monthly for all checking accounts and quarterly on savings accounts. Interest is calculated using the daily balance method.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.

Business Checking/Savings Accounts

  Interest RateAPY   Minimum Balance 
Business Money Market.10.101,000-49,999
.15.1550,000-149,999
.25.25150,000+
Business Presidential Checking.04.041,500-24,999
.13.1325,000-99,999
.17.17100,000+
Business Interest Checking.02.02250
Non-Profit/Organization Checking.02.02500
Government Checking.02.02500
Business Savings.04.04500-24,999
.10.1025,000-49,999
.15.1550,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account.

Disclosure of Account Terms for Checking and Savings Accounts: The interest rate and annual percentage yield on your checking or savings account may change after the account is opened. Interest will be compounded and credited monthly for all checking accounts and quarterly on savings accounts. Interest is calculated using the daily balance method.

You may call 701-774-4100 or 800-486-8173 to obtain our most current rates.