Credit union · NCUA insured
Explorers Credit Union CD Rates
Explorers Credit Union’s best CD rate is 3.02% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Explorers Credit Union’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Explorers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Explorers Credit Union
3.02%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $150
Share Certificate
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Explorers Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo2.52%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.02%
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 Explorers 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.
Star Spangled Savings Certificate
4.00%APY · 1 term
Offer available 07/01/23 – 07/31/23. One Star Spangled Certificate per Explorers member. Must be purchased in the month of July or a maximum of $3,000,000 in aggregate. Dividends paid at maturity. Penalty for early withdrawal. Upon maturity, transferred to savings account. Member eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsOffer available 07/01/23 – 07/31/23. Must be purchased in July or aggregate max $3,000,000. Dividends paid at maturity | 4.00% | $231 |
Sources (1)
- explorerscu.com/star-spangled-savings-certificate · captured Oct 9, 2026
Share Certificate
Up to 3.02%APY · 7 terms
Must have a Share (Savings) Account. $500 minimum balance required. Maximum Share Certificate amount is $250,000. Early withdrawal penalties may apply. 0.10% less on Share Certificates that receive a dividend check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.02% | $150 |
| 12 months | 2.52% | $252 |
| 18 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $380 |
| 24 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $510 |
| 36 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $775 |
| 48 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $1,047 |
| 60 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $1,325 |
Sources (1)
- explorerscu.com/accounts/certificates-iras · captured Oct 9, 2026
Special-purpose accounts
Youth Certificate
5.10%APY · 1 term
Available to members age 21 and under. One 36 month Youth Certificate per Explorers member. If new to Explorers CU, minimum $10 membership deposit into a Share (Savings) Account required. Minors under 18 require a parent or legal guardian on the account with proof of identification. Upon maturity, funds transfer back to the Explorers savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsOne 36 month Youth Certificate per Explorers member age 21 or under. Upon maturity, transferred back to savings account | 5.10% | — |
Sources (3)
- explorerscu.com/accounts/certificates-iras
- explorerscu.com/accounts/youth-certificate
- explorerscu.com/wp-content/upl…025_01_01_Rate_Sheet.pdf
All captured Oct 9, 2026
IRA Certificate
Up to 3.02%APY · 7 terms
Must have a Share (Savings) Account. $500 minimum balance required. Maximum amount is $250,000. Early withdrawal penalties may apply. 0.10% less on certificates that receive a dividend check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.02% | $150 |
| 12 months | 2.52% | $252 |
| 18 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $380 |
| 24 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $510 |
| 36 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $775 |
| 48 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $1,047 |
| 60 months0.10% less on Share Certificates that receive a dividend check | 2.52% | $1,325 |
Sources (1)
- explorerscu.com/accounts/certificates-iras · captured Oct 9, 2026
Who can join Explorers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in designated counties in South Dakota and Nebraska.
Family and household
- Immediate family members of Explorers CU members are eligible for membership.
Cost to join
- A minimum share savings account deposit of $10 is required to establish membership.
Membership information collected October 4, 2026.