Bank · FDIC insured
Commercial State Bank CD Rates
Commercial State Bank’s best CD rate is 3.54% APY on a 4-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Commercial State Bank’s CD rates compare
Compared with banks and credit unions in South Dakota, where Commercial State Bank has the most branches. $10,000, best rate first.
This bank’s best
Commercial State Bank
3.54%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,493
Certificates of Deposit
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
Commercial State Bank CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.54%
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 Commercial State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.54%APY · 8 terms
Early withdrawal penalties are imposed. Monthly interest available upon request.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-Day Maturity. Early withdrawal penalties are imposed | 1.00% | $25 |
| 6 months182-Day Maturity. Early withdrawal penalties are imposed | 1.51% | $75 |
| 12 months12-Month Annually interest. Early withdrawal penalties are imposed | 2.00% | $200 |
| 12 months12-Month Quarterly interest. Early withdrawal penalties are imposed | 2.02% | $202 |
| 12 months12-Month Semi-Annually interest. Early withdrawal penalties are imposed | 2.01% | $201 |
| 18 months18-Month Quarterly interest. Early withdrawal penalties are imposed | 2.27% | $342 |
| 18 months18-Month Semi-Annually interest. Early withdrawal penalties are imposed | 2.26% | $341 |
| 24 months24-Month Quarterly interest. Early withdrawal penalties are imposed | 2.52% | $510 |
| 30 months30-Month Quarterly interest. Early withdrawal penalties are imposed | 2.78% | $710 |
| 30 months30-Month Semi-Annually interest. Early withdrawal penalties are imposed | 2.77% | $707 |
| 36 months36-Month Quarterly interest. Early withdrawal penalties are imposed | 3.03% | $937 |
| 36 months36-Month Semi-Annually interest. Early withdrawal penalties are imposed | 3.02% | $934 |
| 48 months48-Month Quarterly interest. Early withdrawal penalties are imposed | 3.54% | $1,493 |
| 48 months48-Month Semi-Annually interest. Early withdrawal penalties are imposed | 3.53% | $1,489 |
Sources (3)
- commercialstate.com/personalbanking
- commercialstate.com/personalbanking/personalcds
- commercialstate.com/rates
All captured Sep 19, 2026
Funeral Agreements
Up to 3.00%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-Mo Pre-Paid | 2.00% | $200 |
| 60 months60-Mo Pre-Paid | 3.00% | $1,593 |
Sources (1)
- commercialstate.com/rates · captured Sep 19, 2026
Special-purpose accounts
IRA and SEP Accounts
Up to 1.76%APY · 2 terms
| Term | APY · $10 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months18-Month Fixed Rate IRA & SEP | — | 1.51% | 1.51% | $227 |
| 18 months18-Month Variable IRA & SEP | 1.51% | — | 1.51% | $227 |
| 48 months48-Month Fixed Rate IRA & SEP | — | 1.76% | 1.76% | $723 |
Sources (1)
- commercialstate.com/rates · captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.