Bank · FDIC insured
First National Bank in Philip CD Rates
First National Bank in Philip’s best CD rate is 3.60% APY on a 3-year CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How First National Bank in Philip’s CD rates compare
Compared with banks and credit unions near Rapid City, SD, where First National Bank in Philip has the most branches. $10,000, best rate first.
This bank’s best
First National Bank in Philip
3.60%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,119
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Northern Hills Federal Credit Union
4.20%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $895
First National Bank in Philip CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.38%
- 9–15 months9–15 mo3.44%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 First National Bank in Philip ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.60%APY · 6 terms
A substantial penalty may be charged on early withdrawal of any Certificate of Deposit. Fees may reduce stated earnings. CD terms range from 3 months to 4 years. Minimum opening deposit of $1,000.00 for all Certificates of Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.29% | $81 |
| 6 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.38% | $168 |
| 12 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.44% | $344 |
| 24 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.55% | $723 |
| 36 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.60% | $1,119 |
| 48 monthsA substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings | 3.60% | $1,520 |
Special-purpose accounts
Individual Retirement Accounts (IRA)
3.70%APY · 1 term
Variable rate 12 month Certificate of Deposit IRA. If you are under age 70 1/2 for the entire tax year and receive a salary or wages as an employee you are eligible to establish an IRA. Unlimited number of deposits and withdrawals. Rates may change after account is opened. Fees may reduce stated earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate. Rates may change after the account is opened. Fees may reduce stated earnings. Unlimited number of deposits and withdrawals | 3.70% | $370 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.