Mortgage Rates

 

Rates are for the North Dakota (Fargo, West Fargo, and Wahpeton) and West Central Minnesota (Alexandria, Audubon, Breckenridge, Detroit Lakes, Dilworth, Fergus Falls, Hawley, Moorhead, and Pelican Rapids) branch locations only. Select a mortgage lender in your area to view rates.

North Dakota

Susie Barta - Fargo
Deb Hjelmstad - Fargo
Heidi Ihry - Fargo
Sarah Mastera - Fargo
Debbie Oakland - Fargo
Keely Schlichting - Fargo
Becky Snyder - Wahpeton
Karla VanRaden - Fargo

West Central Minnesota

Glen Deeton - Moorhead
Angela Heidelberger - Alexandria
Barry Heinen - Fergus Falls
Sandy Severson - Hawley
Becky Snyder - Breckenridge
Nick Erickson - Detroit Lakes & Pelican Rapids

For the Twin Cities Area and Arizona, contact a mortgage lender at the links below.

Twin Cities Area

Arizona

 

Important notices:

  • The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.
  • Your APR will vary based on your final loan amount and finance charges.
  • Interest rates may vary based on your credit score, loan to value ratio and the loan amount requested. All interest rates are subject to program guidelines.

Certificates of Deposit and Fixed Rate IRAs

Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
3 Month (91 Day) CD $500.00 0.150% 0.150% Maturity
6 Month (182 Day) CD $500.00 0.200% 0.200% Maturity
9 Month Special CD $500.00 0.300% 0.300% Maturity
1 year (12 Month) CD $500.00 0.250% 0.250% Maturity
18 Month CD $500.00 0.400% 0.400% Semiannually
20 Month Special CD $500.00 0.500% 0.500% Semiannually***
2 Year (24 Month) CD $500.00 0.500% 0.500% Annually
26 Month Special CD $500.00 0.550% 0.550% Annually**
3 Year (36 Month) CD $500.00 0.800% 0.800% Annually
5 Year (60 Month) CD $500.00 1.400% 1.400% Annually
10 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.200% 0.200% Maturity
15 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.300% 0.300% Annually**
30 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.600% 0.600% Semiannually

Annual Percentage Yield (APY)
(Penalty for early withdrawal may be imposed)

*Once during the term, you may request to increase the interest rate and annual percentage yield to the current rate and annual percentage yield offered on a Flexible CD of a similar term. 

**Interest will be credited annually and at maturity. 

***Interest will be credited semiannually and at maturity.

Relationship Certificates of Deposit and Fixed Rate IRAs

Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
3 Month (91 Day) CD $500.00 0.250% 0.250% Maturity
6 Month (182 Day) CD $500.00 0.300% 0.300% Maturity
9 Month Special CD $500.00 0.400% 0.400% Maturity
1 year (12 Month) CD $500.00 0.350% 0.350% Maturity
18 Month CD $500.00 0.500% 0.500% Semiannually
20 Month Special CD $500.00 0.600% 0.600% Semiannually***
2 Year (24 Month) CD $500.00 0.600% 0.600% Annually
26 Month Special CD $500.00 0.650% 0.650% Annually**
3 Year (36 Month) CD $500.00 0.900% 0.900% Annually
5 Year (60 Month) CD $500.00 1.500% 1.500% Annually
10 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.300% 0.300% Maturity
15 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.400% 0.400% Annually**
30 Month Flexible CD (Not for IRAs)* $2,500.00 ($5,000.00 to open) 0.700% 0.700% Semiannually

Annual Percentage Yield (APY)

(Penalty for early withdrawal may be imposed)

Requirement to qualify for a relationship rate: an individual must have personal ownership in an open Bell personal checking account (America’s Best Checking, America’s Best Interest Checking, America’s Best Premier Interest Checking)

*Once during the term, you can increase the APY to the current APY offered on a similar term Flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed. This withdrawal cannot be made within six days after the date of the CD. If you withdraw the remaining balance before the maturity date, a penalty may be imposed. A minimum balance of $2,500 must be maintained. Rates are variable and may change after account is opened. If fees are applied, earnings may be reduced.

**Interest will be credited annually and at maturity.

***Interest will be credited semiannually and at maturity.

Variable Rate IRAs

Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
IRA Variable Rate Savings $50.00 0.150% 0.150% Monthly

Annual Percentage Yield (APY) is variable and may change monthly.

Savings Accounts

Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
Regular Savings $50.00 0.050% 0.050% Quarterly
Money Market Savings $500.00 0.100% 0.100% Monthly
Money Market Savings Plus $500.00 0.100% 0.100% Monthly
Premier Money Market Savings*† $25,000.00 to $99,999.99 0.150% 0.150% Monthly
$100,000.00 to $249,999.99 0.200% 0.200% Monthly
$250,000.00 to $499,999.99 0.250% 0.250% Monthly
$500,000.00 to $999,999.99 0.300% 0.300% Monthly
$1,000,000.00 or more 0.350% 0.350% Monthly
Premier Money Market Savings Plus*† $25,000.00 to $99,999.99 0.150% 0.150% Monthly
$100,000.00 to $249,999.99 0.200% 0.200% Monthly
$250,000.00 to $499,999.99 0.250% 0.250% Monthly
$500,000.00 to $999,999.99 0.300% 0.300% Monthly
$1,000,000.00 or more 0.350% 0.350% Monthly

Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. *Balances of $5,000.00 to $24,999.99 will earn an interest rate of 0.10% for an APY of 0.10% monthly. †The interest rate is paid on the entire balance in the account.

Checking Accounts

Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
America's Best Interest Checking* $500.00 0.050% 0.050% Monthly
America's Best Premier Interest Checking† $5,000.00 to $49,999.99 0.100% 0.100% Monthly
$50,000.00 to $99,999.99 0.150% 0.150% Monthly
$100,000.00 or more 0.200% 0.200% Monthly

Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. There is a $10 service fee on your Interest Checking account if the minimum balance is not maintained. Interest is earned on the daily collected balance each day the balance is at or above the minimum balance. †The interest rate is paid on the entire balance in the account.

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