Credit union · NCUA insured
Dakotaland Federal Credit Union CD Rates
Top CarrotDakotaland Federal Credit Union’s best CD rate is 5.00% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How Dakotaland Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Huron, SD, where Dakotaland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $205
Certificate of Deposit
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
M-O Federal Credit Union
4.04%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $404
Dakotaland Federal Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo5.00%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.15%
- QualifiedQualified5.00%
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 Dakotaland Federal 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 of Deposit
Up to 5.00%APY · 9 terms
Early withdrawal penalties apply. Members may do a rate change option one time to certificate terms 24, 36, 48 and 60 months (specials excluded) if the current market rate for the matching term increases. No maintenance fees. Dividends compounded quarterly (or paid out).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsCD Special. Compounded quarterly | 5.00% | $205 |
| 6 monthsStandard Rate. Compounded quarterly | 3.25% | $161 |
| 12 monthsStandard Rate. Compounded quarterly | 3.30% | $330 |
| 18 monthsStandard Rate. Compounded quarterly | 3.40% | $514 |
| 24 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.30% | $671 |
| 25 monthsCD Special. Compounded quarterly | 4.25% | $906 |
| 36 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.15% | $975 |
| 48 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.10% | $1,299 |
| 60 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.00% | $1,593 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Youth Certificate
Up to 5.00%APY · 9 terms
Available for kids and teens (ages 0-18). Early withdrawal penalties apply. Members may do a rate change option one time to certificate terms 24, 36, 48 and 60 months (specials excluded) if the current market rate for the matching term increases. No maintenance fees. Dividends compounded quarterly (or paid out).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsCD Special. Compounded quarterly | 5.00% | $205 |
| 6 monthsStandard Rate. Compounded quarterly | 3.25% | $161 |
| 12 monthsStandard Rate. Compounded quarterly | 3.30% | $330 |
| 18 monthsStandard Rate. Compounded quarterly | 3.40% | $514 |
| 24 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.30% | $671 |
| 25 monthsCD Special. Compounded quarterly | 4.25% | $906 |
| 36 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.15% | $975 |
| 48 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.10% | $1,299 |
| 60 monthsStandard Rate. Compounded quarterly. Includes 1-time rate change option | 3.00% | $1,593 |
Sources (2)
All captured Oct 22, 2026
Who can join Dakotaland Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in 51 specified South Dakota counties are eligible for membership.
Membership information collected October 4, 2026.