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Rates

Interest Rates Effective: January 24, 2024

Specials

  Interest RateAPY   Minimum Balance 
6 Months4.604.651,000
11 Months4.544.55500
23 Months4.004.00500
35 Months2.252.25500
59 Months2.502.50500

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 Months1.641.65500
12 Months1.951.95500
18 Months2.002.00500
24 Months2.002.00500
30 Months2.052.05500
36 Months2.102.10500
48 Months2.202.20500
60 Months2.402.40500

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 .50.50 1,000-99,999
1.091.10100,000-499,999
1.831.85500,000-999,999
2.182.201,000,000+
Presidential Account.50.501,500-99,999
.90.90100,000-499,999
1.241.25500,000-999,999
1.491.501,000,000+
Advantage Checking.25.25500-24,999
.55.5525,000-99,999
.85.85100,000-499,999
1.051.05500,000+
Personal Savings.60.60100 – 99,999
1.191.20100,000-499,999
1.831.85500,000-999,999
2.182.201,000,000+

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 Months4.254.2550
24 Months4.004.0050
36 Months3.253.2550
48 Months3.003.0050
60 Months2.902.9050

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 1.30.300-4,999
Tier 2.45.455,000-9,999
Tier 3.55.5510,000-24,999
Tier 4.65.6525,000+

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.50.501,000-99,999
1.091.10100,000-499,999
1.831.85500,000-999,999
2.182.201,000,000+
Business Presidential Checking.50.501,500-99,999
.90.90100,000-499,999
1.241.25500,000-999,999
1.491.501,000,000+
Business Interest Checking.25.25250-24,999
.50.5025,000-99,999
.80.80100,000-499,999
1.001.00500,000+
Non-Profit/Organization Checking.25.25500-24,999
.50.5025,000-99,999
.90.90100,000-499,999
1.241.25500,000+
Government Checking.25.25500-24,999
.50.5025,000-99,999
.90.90100,000-499,999
1.241.25500,000+
Business Savings.60.60500-99,999
1.191.20100,000-499,999
1.831.85500,000-999,999
2.182.201,000,000+

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.