Credit union · NCUA insured
Ft. Randall Federal Credit Union CD Rates
Ft. Randall Federal Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Ft. Randall Federal Credit Union’s CD rates compare
Compared with banks and credit unions in South Dakota, where Ft. Randall Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ft. Randall Federal Credit Union
3.54%APY
- Term
- 6 months
- Minimum
- $250
- Earns on $10,000
- $175
Shared 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
Ft. Randall Federal Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.54%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.03%
- QualifiedQualified3.54%
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 Ft. Randall 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.
Shared Certificate
Up to 3.54%APY · 5 terms
$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older.
| Term | APY · $250 – $10,000 | APY · $10,000 – $50,000 | APY · Over $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older | 3.29% | 3.54% | 3.54% | 3.29%3.54% $10k–$50k3.54% from $50k | $81 |
| 6 months$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older | 3.54% | 3.80% | 3.80% | 3.54%3.80% $10k–$50k3.80% from $50k | $175 |
| 12 months$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older | 3.03% | 3.29% | 3.54% | 3.03%3.29% $10k–$50k3.54% from $50k | $303 |
| 18 months$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older | 3.03% | 3.03% | 3.03% | 3.03%3.03% $10k–$50k3.03% from $50k | $458 |
| 24 months$250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older | 3.03% | 3.03% | 3.03% | 3.03%3.03% $10k–$50k3.03% from $50k | $615 |
Sources (1)
- ftrandallfcu.com/about/rates · captured Sep 19, 2026
Savers Certificate
3.29%APY · 1 term
$100.00 minimum opening requirement.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$100.00 minimum, 12-month term | 3.29% | $329 |
Sources (1)
- ftrandallfcu.com/about/rates · captured Sep 19, 2026
Who can join Ft. Randall 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
- Anyone who lives, works, worships, volunteers, or attends school in Brule, Bon Homme, Charles Mix, Douglas, Gregory, or Hutchinson Counties in South Dakota is eligible for membership.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live in the six-county service area.
Cost to join
- Joining requires opening a membership savings account with an unstated minimum deposit to establish ownership in the credit union.
Membership information collected October 4, 2026.