Bank · FDIC insured
Dacotah Bank CD Rates
Dacotah Bank’s best CD rate is 3.90% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Dacotah Bank’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Dacotah Bank has the most branches. $10,000, best rate first.
This bank’s best
Dacotah Bank
3.90%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $423
Certificate of Deposit Specials
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Dacotah Bank CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.90%
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 Dacotah 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.
Certificate of Deposit Specials
Up to 3.90%APY · 3 terms
$5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 3.60% | $148 |
| 8 months | 3.75% | $248 |
| 13 months | 3.90% | $423 |
Sources (4)
- dacotahbank.com
- dacotahbank.com/deposit-rates
- dacotahbank.com/personal-money-market-savings
- dacotahbank.com/_s3/dacotahban…ocument/rate%20sheet.pdf
All captured Sep 24, 2026
Certificates of Deposit
Up to 1.75%APY · 7 terms
$500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Gold Money Market account holders receive an additional 0.10% bonus rate on the 1st term of Standard, Fixed-Rate CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.70% | $17 |
| 6 months | 0.90% | $45 |
| 12 months | 1.70% | $170 |
| 24 months | 1.75% | $353 |
| 24 months24 - Month Rate Option | 1.65% | $333 |
| 36 months | 1.75% | $534 |
| 48 months | 1.75% | $719 |
| 60 months | 1.75% | $906 |
Sources (3)
- dacotahbank.com/deposit-rates
- dacotahbank.com/personal-money-market-savings
- dacotahbank.com/_s3/dacotahban…ocument/rate%20sheet.pdf
All captured Sep 24, 2026
Special-purpose accounts
36 - Month Variable IRA
1.75%APY · 1 term
$500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Variable rate IRA certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsVariable rate | 1.75% | $534 |
Sources (3)
- dacotahbank.com/deposit-rates
- dacotahbank.com/personal-money-market-savings
- dacotahbank.com/_s3/dacotahban…ocument/rate%20sheet.pdf
All captured Sep 24, 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.