Credit union · NCUA insured
Coteau Valley Federal Credit Union Savings Rates
Coteau Valley Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Share & Share Drafts. Rates checked October 22, 2026.
How Coteau Valley Federal Credit Union’s savings 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
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Share & Share Drafts
Top rate
ONE AMERICAN BANK
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Coteau Valley Federal Credit Union savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share & Share Drafts
0.20%APY
A 0.200% dividend increase is available for non-profit organizations.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000A 0.200% dividend increase is available for non-profit organizations. | 0.20% | $20 | A 0.200% dividend increase is available for non-profit organizations. |
| $10,001 – $100,000A 0.200% dividend increase is available for non-profit organizations. | 0.30% | — | A 0.200% dividend increase is available for non-profit organizations. |
| $100,001 – $249,999A 0.200% dividend increase is available for non-profit organizations. | 0.60% | — | A 0.200% dividend increase is available for non-profit organizations. |
| $250,000 and upA 0.200% dividend increase is available for non-profit organizations. | 0.75% | — | A 0.200% dividend increase is available for non-profit organizations. |
Sources (1)
- coteauvalleyfcu.com/rates/deposit-rates · captured Oct 4, 2026
Special-purpose accounts
Christmas Club Accounts
2.02%APY
Christmas club accounts have a balance limit of $2,500. A 0.200% dividend increase is available for non-profit organizations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Christmas club accounts have a balance limit of $2,500. A 0.200% dividend increase is available for non-profit organizations.Up to $2,500 | 2.02% | — | Christmas club accounts have a balance limit of $2,500. A 0.200% dividend increase is available for non-profit organizations. |
Sources (1)
- coteauvalleyfcu.com/rates/deposit-rates · captured Oct 4, 2026
Youth Accounts
1.51%APY
Youth accounts have a balance limit of $10,000. A 0.200% dividend increase is available for non-profit organizations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Youth accounts have a balance limit of $10,000. A 0.200% dividend increase is available for non-profit organizations.Up to $10,000 | 1.51% | $151 | Youth accounts have a balance limit of $10,000. A 0.200% dividend increase is available for non-profit organizations. |
Sources (1)
- coteauvalleyfcu.com/rates/deposit-rates · captured Oct 4, 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.