Credit union · NCUA insured
Dakota Plains FCU Savings Rates
Dakota Plains FCU’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Dakota Plains FCU’s savings rates compare
Compared with banks and credit unions near Rapid City, SD, where Dakota Plains FCU has the most branches. $10,000, best rate first.
This credit union’s best
Dakota Plains FCU
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market
Top rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
Aspen Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Dakota Plains FCU savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.55%
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 FCU 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.
Money Market
0.55%APY
Minimum balance of $1,000.00 required. Dividends are compounded and paid monthly. Maximum of 3 checks per month. Excessive withdrawals fee of $10.00 per withdrawal in excess of 3 per month; minimum balance fee of $10.00 per month. All deposited funds earn the rate for the tier. Variable rate subject to change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. Minimum balance fee of $10.00 per month applies if minimum balance not maintained. | 0.00% | — | All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. Minimum balance fee of $10.00 per month applies if minimum balance not maintained. |
| $1,000 – $5,001All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. | 0.50% | — | All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. |
| $5,001 – $10,001All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. | 0.55% | $55 | All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. |
| $10,001 – $25,001All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. | 0.85% | — | All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. |
| $25,001 and upAll deposited funds earn the rate for the tier. Dividends compounded and paid monthly. | 0.60% | — | All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. |
Sources (2)
All captured Sep 19, 2026
Regular Share
0.05%APY
Primary savings account required for membership (maintain two shares at $5.00 each, $10.00 total). Dividends paid quarterly. All deposited funds earn the rate for the tier. Variable rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $101 | 0.00% | — |
| $101 – $2,500 | 0.02% | — |
| $2,500 and up | 0.05% | $5 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share
1.56%APY
IRA savings account available as Traditional IRA, Roth IRA, or Education IRA. All deposited funds earn the rate for the tier. Variable rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $101 | 1.56% | — |
| $101 – $2,500 | 1.56% | — |
| $2,500 and up | 1.56% | $156 |
Sources (2)
All captured Sep 19, 2026
Pee Wee Penguin Share
0.05%APY
Savings account offered to youth ages newborn to 13 years. Interest is paid and compounded quarterly. Minimum $10 opening deposit. All deposited funds earn the rate for the tier. Variable rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.02% | — |
| Over $2,500 | 0.05% | $5 |
Sources (2)
All captured Sep 19, 2026
Teen Saver Share
0.05%APY
Savings account for CU Succeed program members ages 13 to 19. All deposited funds earn the rate for the tier. Variable rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.02% | — |
| Over $2,500 | 0.05% | $5 |
Sources (2)
All captured Sep 19, 2026
Who can join Dakota Plains FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.