Credit union · NCUA insured
Highmark Federal Credit Union CD Rates
Highmark Federal Credit Union’s best CD rate is 4.10% APY on a 25-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Highmark Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rapid City, SD, where Highmark Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Highmark Federal Credit Union
4.10%APY
- Term
- 25 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $873
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.10%APY · 9 terms
Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 6 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.51% | $174 |
| 6 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.67% | $182 |
| 9 months | 3.55% | $265 |
| 9 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.67% | $274 |
| 9 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.82% | $285 |
| 10 monthsLimited Time Only | 4.00% | $332 |
| 12 months | 3.55% | $355 |
| 12 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.67% | $367 |
| 12 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.82% | $382 |
| 24 months | 3.65% | $743 |
| 24 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.76% | $766 |
| 24 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.91% | $797 |
| 25 monthsLimited Time Only | 4.10% | $873 |
| 36 months | 3.65% | $1,135 |
| 36 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.76% | $1,171 |
| 36 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.91% | $1,219 |
| 48 months | 3.60% | $1,520 |
| 48 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.71% | $1,569 |
| 48 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.86% | $1,636 |
| 60 months | 3.56% | $1,908 |
| 60 monthsApplies to Honors Rewards Members (* indicates Dividend Rate) | 3.67% | $1,975 |
| 60 monthsApplies to Platinum Rewards Members (* indicates Dividend Rate) | 3.82% | $2,062 |
Sources (1)
- highmarkfcu.com/personal/save/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.10%APY · 7 terms
Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Fee of $10.00 applies for Unqualified Withdrawal (under age 59 1/2) and $25.00 fee to transfer to another financial institution.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsLimited TIme Only! | 4.00% | $332 |
| 12 months | 3.55% | $355 |
| 24 months | 3.65% | $743 |
| 25 monthsLimited Time Only! | 4.10% | $873 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.55% | $1,906 |
Sources (2)
All captured Oct 15, 2026
Who can join Highmark 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
- Membership is open to persons who live, work, worship, or attend school in Butte, Custer, Fall River, Harding, Lawrence, Meade, or Pennington County, South Dakota, or Campbell, Crook, Niobrara, or Weston County, Wyoming.
Family and household
- Membership is open to anyone who has an immediate family member that is a member of Highmark Credit Union.
Membership information collected October 4, 2026.