Credit union · NCUA insured
Area Federal Credit Union CD Rates
Area Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Aberdeen, SD, where Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Area Federal Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $406
Share Certificate
Top rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Area Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.04%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Area Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.06%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 4.04% | $200 |
| 12 months | 4.06% | $406 |
| 18 months | 3.80% | $575 |
| 24 months | 3.55% | $723 |
Special-purpose accounts
GEN Y CD
Up to 4.06%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 4.04% | $200 |
| 12 months | 4.06% | $406 |
| 18 months | 3.80% | $575 |
| 24 months | 3.29% | $669 |
Sources (1)
- areafcu.org/rates · captured Oct 4, 2026
Who can join Area Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Brown, Codington, Day, Edmunds, Spink, and Walworth County is eligible for membership.
Family and household
- Immediate family members of eligible groups are welcome to join Area Federal Credit Union.
Membership information collected October 4, 2026.