Best Banks and Credit Unions in North Dakota
Vikram Singh

1) VISIONBank
Savings APY: 0.25%
CD APY: 6 month: 3.02%, 9 month: 3.01%, 12 month: 3.00%, 15 month: 3.01%, 18 month: 3.02%, 24 month: 3.25%, 36 month: 3.25%, 48 month: 3.25%, 60 month: 3.25% with minimum $2,500
Monthly Fees: $6
How many branches are in the State? Vision Bank has 10 branches and a network of ATMs in North Dakota State of America.
Featured Product Offerings: The bank offers retirement savings, trust finance services,personal loans, business loans, business credit cards, personal credit cards, personal checking accounts, business checking accounts, home mortgages, certificate of deposits and much more.
Pros:
- High interest rate on savings
- Comparatively high APY on Cd products
- Reliable customer service
- Mobile app access
Cons
- Limited physical branches
- No student banking option
VisionBank is dedicated to creating meaningful relationships with customers and helping each of our market communities be the best that it can be.
VisionBank has nine full-service branches in Ames, Boone, Grimes, Huxley, Ogden, Waukee and a VisionBank Mortgage office in West Des Moines. The bank is owned by VisionBankshares, Inc., a locally-owned bank holding company based in Central Iowa. The bank offers full service retail, mortgage, consumer, commercial, commercial real estate, and agricultural deposit and lending products and services.
Today, with nine full-service locations in six communities (Ogden, Ames, Boone, Grimes, Huxley, and Waukee), and an additional VisionBank Mortgage location in West Des Moines, VisionBank boasts more than $425 million in assets and 100 employees. Still committed to local decision-making and community investment, VisionBank is positioned for even more growth in the years to come, and it is looking forward to all that lies ahead in the next chapter.

2) Border Bank
Savings APY: 0.01%
CD APY: 2.00%
Monthly Fees: $0
How many branches are in the State? Border Bank has 11 branches and 18 ATMs in Minnesota and North Dakota.
Featured Product Offerings: The bank offers savings accounts, transaction accounts, loans, investment, insurance, Visa cards, payroll services, Certificate of deposits, and more.
Pros:
- No minimum balance requirement
- On-call access to funds and banking account
- High interest rates on all products
Cons
- $10 membership fees
For over 80 years, Border Bank has proudly served residents and businesses providing friendly, personalized service that is focused on its customers. The bank has ten locations across Minnesota and North Dakota to serve its customers – Badger, Baudette, Clearbrook, Coon Rapids, Fargo, Greenbush, International Falls, Middle River, Roseau, and Thief River Falls. Our mission is to provide the highest quality of service and benefits designed around our customers’ needs and wants; this is the foundation of Border Bank and a guide that is used every day to serve our customers.
Border Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender .

3) Bell Bank
Savings APY: 0.30%
CD APY: 12 month: 2.25%, 24 month: 3.00%, 36 month: 3.00%, 60 month: 3.25%
Monthly Fees: $0
How many branches are in the State? Bell Bank has 28 branches in North Dakota and the rest of the country.
Featured Product Offerings: Bell Bank offers savings accounts, checking accounts, money market accounts and CDs along with a wide range of business banking products.
Pros:
- The monthly maintenance fee is relatively low
- Full range of banking products
- Mobile app offers quick access to account
Cons
- Mobile banking has glitches
Bell Bank is a privately owned interstate bank headquartered in Fargo, North Dakota, with assets of $11 billion. Bell Bank, which employs more than 1,900 people (more than 560 in the Twin Cities region) has 20 full-service banking locations in North Dakota, Minnesota, and Arizona, and mortgage locations in Arizona, Colorado, Florida, Kansas, Illinois, Minnesota, Missouri, New Mexico, North Dakota, Tennessee, and Wisconsin. State Bankshares is Bell Bank’s parent company.
Bell Bank was founded as State Bank of Fargo in 1966 as a single location in the Northport Shopping Center in Fargo. Thomas “Buck” Snortland was one of the company’s founders.
In 2003, the bank bought Northern Capital Trust, a trusted company and flex spending adjudication business. Richard Solberg, who was then the bank’s president and CEO, had served on the board of directors for Northern Capital Trust since the company was established—16 years before the merger.
In 2022, Bell finalized its building lease for a new mortgage servicing center in Owensboro, Ky. Bell also opened its first loan production office in Denver, focused on commercial lending.
Bell has a 5-star rating from Bauer Financial, an independent bank research firm. Based on financial data from federal regulators, a 5-star rating, the highest rating the firm awards, means a bank is financially sound and is operating well above its capital requirements

4) Choice Bank
Savings APY: 0.25%
CD APY: 12 Month: 2.00% APY, 24 Month: 2.25% APY, 36 Month: 2.36% APY, 48 Month: 2.47% APY, 60 Month: 2.60% APY
Monthly Fees: $0
How many branches are in the State? Choice Bank has 19 branches in North Dakota and the rest of the country.
Featured Product Offerings: Choice Bank offers savings accounts, checking accounts, money market accounts and CDs along with a wide range of business banking products.
Pros:
- Full range of banking products
- Mobile app has multiple features
Cons
- Customer service is compromised
- Saving accounts has low interest rate
Founded in 2001, Choice Bank is a commercial bank headquartered in Fargo, North Dakota. The bank is a PeopleFirst community bank that provides an array of banking solutions to individuals and businesses. The bank is a division of Choice Financial Group.

5) Gate City Bank
Savings APY: 0.02%
CD APY: 1 year: 0.20%, 2 year:0.30%,30 months: 0.30%, 3 year: 0.35%, 4 year:0.50%, 5 year: 0.60%
Monthly Fees: $0
How many branches are in the State? Gate City Bank has 36 full-service branches across North Dakota and West Central Minnesota.
Featured Product Offerings: Choice Bank offers a full slate of banking products including savings accounts, certificate of deposits, money market accounts, checking accounts, individual retirement accounts
Pros:
- Wide network of surcharge free ATMs
- Multiple benefit checking accounts
- Fee refunds available on using an ATM out of network
Cons
- CD option starts from 90 days
- Poor interest rate on savings account
A $3.1 billion mutual bank founded in 1923, Gate City Bank is the region’s leading financial institution, as well as the recipient of many community-based awards. We employ more than 770 team members at 43 locations in 22 communities across North Dakota and central Minnesota.

6) American Bank Center
Savings APY: 0.01%
CD APY: 12 month: 0.20%, 24 month: 3.35%, 36 month: 0.60%, 48 month: 0.75%, 60 month: 1.00%
Monthly Fees: $0
How many branches are in the State? American Bank Center has 18 total branches in Montana and North Dakota.
Featured Product Offerings: American Bank Center offers complete range of banking projects including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards.
Pros:
- Strong customer service support system
- $0 monthly fee
- Feature rich mobile app
Cons
- Limited physical branches
- Low interest rates
The American Bank Center is an entertainment complex located in Corpus Christi, Texas. The complex consists of an auditorium, convention center and arena. The facility hosts numerous conventions, trade shows, exhibitions, live performances and sporting events. It is home to the Corpus Christi IceRays Tier II Jr. A ice hockey team and the Texas A&M–Corpus Christi Islanders men’s and women’s NCAA basketball teams. It is owned by the city of Corpus Christi and managed by ASM Global.
In 2007, the arena was the site for a controversial event in the WWE. The same day as the scheduled Monday Night Raw taping, professional wrestler Chris Benoit along with his wife and son were found dead, with the promotion running a tribute show while being unaware of the horrific circumstances surrounding the deaths until the show almost ended. EliteXC: Renegade was held at the arena in 2007 and WEC 39 in 2009. On May 31, 2015, WWE hosted that year’s edition of their Elimination Chamber pay-per-view event. In 2019, the arena hosted the December 18 episode of AEW Dynamite.