Bank · FDIC insured
Dakota Community Bank & Trust CD Rates
Dakota Community Bank & Trust’s best CD rate is 5.10% APY on an 89-month CD. Terms run from 3 months to 89 months. Rates checked October 22, 2026.
How Dakota Community Bank & Trust’s CD rates compare
Compared with banks and credit unions near Bismarck, ND, where Dakota Community Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
CD Specials
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
3rd-highest rate
First Community Credit Union
4.30%APY
- Term
- 27 months
- Minimum
- $5,000
- Earns on $10,000
- $994
Dakota Community Bank & Trust CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo4.02%
- 16–30 months16–30 mo4.60%
- 31–60 months31–60 mo4.80%
- QualifiedQualified4.80%
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 Dakota Community Bank & Trust 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.
CD Specials
Up to 5.10%APY · 8 terms
CD interest payments available via Auto Transfer or electronic deposit. For 9 month CD: interest is not compounded, credited at maturity. For 18, 27, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsInterest not compounded; credited at maturity | 4.02% | $300 |
| 18 monthsInterest compounded annually and credited annually | 4.20% | $637 |
| 27 monthsInterest compounded annually and credited annually | 4.60% | $1,065 |
| 39 monthsWith one-time bump-up option. Interest compounded annually and credited annually | 4.50% | $1,538 |
| 54 monthsInterest compounded annually and credited annually | 4.40% | $2,138 |
| 69 monthsInterest compounded annually and credited annually | 4.60% | $2,951 |
| 78 monthsInterest compounded annually and credited annually | 4.90% | $3,647 |
| 89 monthsInterest compounded annually and credited annually | 5.10% | $4,462 |
Sources (1)
- dakotacommunitybank.com/bankin…ersonal-banking/cd-rates · captured Oct 22, 2026
Certificate of Deposit (CD)
Up to 4.80%APY · 6 terms
CD interest payments available via Auto Transfer or electronic deposit. For 3, 6, 9, 12 month CDs: interest is not compounded, credited at maturity. For 18, 24, 27, 36, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.
| Term | APY · $500 and up | APY · $30,000 and up | APY · $70,000 and up | APY · $99,000 and up | APY · $500,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsInterest not compounded; credited at maturity | 3.03% | 3.03% | 3.24% | 3.75% | 4.27% | 3.03%3.03% from $30k3.24% from $70k3.75% from $99k4.27% from $500k | $75 |
| 6 monthsInterest not compounded; credited at maturity | 3.02% | 3.94% | 4.04% | 4.14% | 4.35% | 3.02%3.94% from $30k4.04% from $70k4.14% from $99k4.35% from $500k | $150 |
| 12 monthsInterest not compounded; credited at maturity | 3.30% | 4.00% | 4.20% | 4.40% | 4.50% | 3.30%4.00% from $30k4.20% from $70k4.40% from $99k4.50% from $500k | $330 |
| 24 monthsInterest compounded annually and credited annually | 3.20% | 4.10% | 4.40% | 4.70% | 4.90% | 3.20%4.10% from $30k4.40% from $70k4.70% from $99k4.90% from $500k | $650 |
| 36 monthsInterest compounded annually and credited annually | 4.80% | — | — | — | — | 4.80% | $1,510 |
| 60 monthsInterest compounded annually and credited annually | 4.80% | — | — | — | — | 4.80% | $2,642 |
Sources (1)
- dakotacommunitybank.com/bankin…ersonal-banking/cd-rates · captured Oct 22, 2026
Special-purpose accounts
IRA CD
Up to 4.86%APY · 5 terms
Interest compounded semi-annually and credited semi-annually. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest compounded semi-annually and credited semi-annually | 4.24% | $424 |
| 24 monthsInterest compounded semi-annually and credited semi-annually | 4.45% | $910 |
| 36 monthsInterest compounded semi-annually and credited semi-annually | 4.86% | $1,530 |
| 39 monthsWith one-time bump-up option. Interest compounded semi-annually and credited semi-annually | 4.55% | $1,556 |
| 60 monthsInterest compounded semi-annually and credited semi-annually | 4.86% | $2,678 |
Sources (1)
- dakotacommunitybank.com/bankin…ersonal-banking/cd-rates · captured Oct 22, 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.