Credit union · NCUA insured
Avanti FCU CD Rates
Avanti FCU’s best CD rate is 3.70% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Avanti FCU’s CD rates compare
Compared with banks and credit unions near Watertown, SD, where Avanti FCU has the most branches. $10,000, best rate first.
This credit union’s best
Avanti FCU
3.70%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $560
Share Certificates
Top rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Sioux Valley Co-op Federal Credit Union
5.00%APY
- Term
- 36 months
- Minimum
- $0
- Earns on $10,000
- $1,576
Avanti FCU CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.70%
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 Avanti FCU 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 Certificates
Up to 3.70%APY · 7 terms
Early withdrawal from certificates will be subject to a 90 day dividend penalty. Rates are subject to change weekly. Share certificates less than $2,500 will earn 1% less than the posted rates. Minimum deposit of $500; deposit of $2500 will earn higher dividend rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.60% | $360 |
| 18 months | 3.70% | $560 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.15% | $1,321 |
| 60 months | 3.10% | $1,649 |
Sources (2)
All captured Sep 24, 2026
Bump Up CD
Up to 1.95%APY · 1 term
Early withdrawal from certificates will be subject to a 90 day dividend penalty. Rates are subject to change weekly.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months | 0.95% | 1.95% | 0.95%1.95% from $2.5k | $191 |
Sources (1)
- avantifcu.net/certificate-rates · captured Sep 24, 2026
Who can join Avanti FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship or attend school in, and businesses and other legal entities located in Clark, Codington, Deuel, Grant, and Hamlin Counties in South Dakota are eligible for membership.
Other ways
- Members of record of Avanti Federal Credit Union as of the effective date of its community expansion on May 16, 2012 are eligible.
- Members of record of Glacial Lakes Educational Employees Federal Credit Union #9233 as of the effective date of its community expansion on March 1, 2018 are eligible.
Membership information collected October 4, 2026.