Credit union · NCUA insured
East River Federal Credit Union CD Rates
A $41.6M credit union headquartered in Madison, SD, with 3,128 members and 1 branch in South Dakota.
How East River Federal Credit Union’s CD rates compare
Compared with banks and credit unions in South Dakota, where East River Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
East River Federal Credit Union
3.04%APY
- Term
- 3–6 months
- Minimum
- $250
- Earns on $10,000
- —
Share Certificate
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Share Certificate
Up to 3.04%APY · 5 terms
PeeWee Penguin or Teen membership account required. Rate and term may be discontinued at any time. Certificates auto-renew and dividends compound monthly. Standard withdrawal and early withdrawal penalties apply. Valid for consumer accounts only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–6 monthsEffective 2026-04-07 | 3.04% | $75 |
| 9 monthsEffective 2026-04-07 | 2.79% | $209 |
| 12 monthsEffective 2026-04-07 | 2.53% | $253 |
| 18–24 monthsEffective 2026-04-07 | 2.53% | $382 |
| 36–60 monthsEffective 2026-04-07 | 2.79% | $861 |
Sources (1)
- eastriverfcu.com/Rates/Certificates · captured Sep 19, 2026
Who can join East River Federal Credit Union
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