Credit union · NCUA insured
Dakota Plains Credit Union CD Rates
Dakota Plains Credit Union’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Dakota Plains Credit Union’s CD rates compare
Compared with banks and credit unions in North Dakota, where Dakota Plains Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dakota Plains Credit Union
4.25%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $461
Share Certificate Specials
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Dakota Plains Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo1.90%
- 31–60 months31–60 mo1.65%
- QualifiedQualified4.25%
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 Plains 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 Certificate Specials
4.25%APY · 1 term
Certificate of deposit will not automatically renew when maturity is reached. DPCU reserves the right to end the special rate at any time. Federally insured by NCUA. Offer valid for a limited time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequirement: $5,000. New Money. Certificate term is 13 months. Will not automatically renew when maturity is reached. Offer valid for a limited time | 4.25% | $461 |
Certificates of Deposit (CDs)
Up to 2.40%APY · 7 terms
Penalty for early withdrawal may apply. CDs with a term of 3-12 months will have dividends credited at maturity; CDs with a term of more than 12 months will have dividends transferred to a designated share account. NCUA Insurance.
| Term | APY · Up to $9,999 | APY · $100 – $999 | APY · $500 – $9,999 | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $10,000 and up | APY · $25,000 – $49,999 | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 months | — | — | 0.60% | — | 0.70% | — | 0.80% | — | 0.90% | 0.70%0.60% $500–$10k0.80% $25k–$50k0.90% from $50k | $17 |
| 6 months | — | — | 1.30% | — | 2.25% | — | — | 2.75% | — | 2.25%1.30% $500–$10k2.75% from $25k | $112 |
| 6 monthsYouth CD | 1.40% | — | — | — | 2.25% | — | — | 2.75% | — | 2.25%1.40% $50–$10k2.75% from $25k | $112 |
| 12 months | — | — | 2.30% | — | 2.40% | — | — | 3.00% | — | 2.40%2.30% $500–$10k3.00% from $25k | $240 |
| 18 months | — | — | 1.80% | — | 1.90% | — | — | 2.00% | — | 1.90%1.80% $500–$10k2.00% from $25k | $286 |
| 24 months | — | — | 1.65% | — | 1.75% | — | — | 1.85% | — | 1.75%1.65% $500–$10k1.85% from $25k | $353 |
| 30 months30 Month Come Grow with Us Special | — | 1.55% | — | 1.70% | — | 1.85% | — | — | — | 1.85%1.55% $100–$9991.70% $1k–$10k | $469 |
| 36 months | — | — | 1.55% | — | 1.65% | — | — | 1.75% | — | 1.65%1.55% $500–$10k1.75% from $25k | $503 |
Special-purpose accounts
IRA CD
Up to 4.50%APY · 3 terms
Available in Traditional and Roth. Early withdrawals are subject to penalty by the IRS. CDs with a term of 3-12 months will have dividends credited at maturity; CDs with a term of more than 12 months will have dividends transferred to a designated share account. No Annual Fees. NCUA insured.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.75% | $280 |
| 18 months | 4.25% | $644 |
| 24 months | 4.50% | $920 |
Who can join Dakota Plains Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People (including businesses) who live, work, worship, or attend school in the community are eligible for membership.
- Anyone living within a 75-mile radius of the home office in Edgeley, ND is eligible for membership.
Family and household
- Immediate family members of qualifying community members and surviving spouses of persons who died while in the field of membership are eligible for membership.
- Immediate family members of an eligible member—including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, and stepsibling—are eligible for membership.
Cost to join
- Membership requires opening a Savings Account with a minimum deposit of $5.
Membership information collected October 4, 2026.