Credit union · NCUA insured
Dakota West Credit Union CD Rates
Dakota West Credit Union’s best CD rate is 3.85% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Dakota West Credit Union’s CD rates compare
Compared with banks and credit unions near Minot, ND, where Dakota West Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dakota West Credit Union
3.85%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $418
Certificate Specials
Top rate
Aspire Credit Union
4.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $435
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Dakota West Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo2.95%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.85%
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 West 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.
Certificate Specials
Up to 3.85%APY · 2 terms
Penalty for early withdrawal. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsSpecial is a 5 month term CD with a minimum deposit of $2500 with a dividend rate of 3.65% and an APY of 3.65%. At maturity, the CD will renew in a 6-month CD at the current prevailing rate | 3.65% | $150 |
| 13 monthsSpecial is a 13-month term CD with a minimum deposit requirement of $2500 with a dividend rate of 3.85% and an APY of 3.85%. At maturity, the CD will renew into an 12-month CD at the current prevailing rate | 3.85% | $418 |
Sources (1)
- dakotawestcu.com/current-rates · captured Oct 4, 2026
Certificates
Up to 3.20%APY · 9 terms
Minimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal. Rates are variable and may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 1.50% | $37 |
| 6 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 3.00% | $149 |
| 12 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 2.80% | $280 |
| 18 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 2.75% | $415 |
| 24 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 2.85% | $578 |
| 30 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 2.95% | $754 |
| 36 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 3.00% | $927 |
| 48 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 3.05% | $1,277 |
| 60 monthsMinimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal | 3.20% | $1,706 |
Sources (1)
- dakotawestcu.com/current-rates · captured Oct 4, 2026
Special-purpose accounts
Teen Add-On Certificates
Up to 3.40%APY · 2 terms
Minimum Teen Add-On Certificate deposit of $100.00 to obtain APY. Penalty for early withdrawal. Rates are variable and may change after the account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsMinimum Teen Add-On Certificate deposit of $100.00 to obtain APY. Penalty for early withdrawal | 3.40% | $311 |
| 29 monthsMinimum Teen Add-On Certificate deposit of $100.00 to obtain APY. Penalty for early withdrawal | 3.20% | $791 |
Sources (1)
- dakotawestcu.com/current-rates · captured Oct 4, 2026
IRA Certificates
Up to 3.20%APY · 3 terms
Fixed-rate savings for Individual Retirement Accounts. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.75% | $415 |
| 36 months | 3.00% | $927 |
| 60 months | 3.20% | $1,706 |
Who can join Dakota West Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.