Credit union · NCUA insured
Coteau Valley Federal Credit Union CD Rates
Coteau Valley Federal Credit Union’s best CD rate is 3.98% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Coteau Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions in South Dakota, where Coteau Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coteau Valley Federal Credit Union
3.98%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $398
Share Certificates
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
Coteau Valley Federal Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.98%
- 16–30 months16–30 mo2.63%
- 31–60 months31–60 mo2.99%
- QualifiedQualified3.98%
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 Coteau Valley 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 Certificates
Up to 3.98%APY · 5 terms
Dividends are paid quarterly Dividends calculated by average daily balance Automatic renewal with a 10 day grace period A 0.200% dividend increase is available for non-profit organizations. Penalties 6 month CD - loss of one quarter's earnings 12 month & up - loss of two quarter's earnings
| Term | APY · $500 and up | APY · $5,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsA 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period | — | 3.82% | 3.82% | 3.82%3.82% from $50k | $189 |
| 12 monthsA 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period | 3.98% | 3.98% | 3.98% | 3.98%3.98% from $5k3.98% from $50k | $398 |
| 18 monthsA 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period | 2.63% | 2.48% | 2.38% | 2.63%2.48% from $5k2.38% from $50k | $397 |
| 24 monthsA 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period | 2.33% | 2.38% | 2.43% | 2.33%2.38% from $5k2.43% from $50k | $471 |
| 36 monthsA 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period | 2.94% | 2.99% | 3.05% | 2.94%2.99% from $5k3.05% from $50k | $908 |
Sources (2)
All captured Oct 15, 2026
Who can join Coteau Valley 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
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities in the underserved area of Roberts County, South Dakota are eligible for membership.
Employers and groups
- Employees of Coteau Valley Federal Credit Union are eligible for membership.
- Members, participating patrons, and employees of Country Partners Cooperative in Browns Valley, Minnesota and Sisseton, South Dakota are eligible for membership.
Family and household
- Members of the immediate families of eligible persons/members are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Membership information collected October 4, 2026.