Credit union · NCUA insured
Lakota FCU CD Rates
Top CarrotLakota FCU’s best CD rate is 4.00% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Lakota FCU’s CD rates compare
Compared with banks and credit unions in South Dakota, where Lakota FCU has the most branches. $10,000, best rate first.
This credit union’s best
Lakota FCU
4.00%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $400
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
Lakota FCU CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo2.30%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Lakota FCU 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.
Share Certificate
Up to 4.00%APY · 7 terms
Designed for longer-term savings goals. Interest earned is paid upon maturity.
| Term | APY · $250 – $25,000 | APY · $25,001 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.25% | — | 2.25% | $56 |
| 6 months | 2.30% | 0.75% | 2.30%0.75% $25k–$250k | $114 |
| 9 months | 2.40% | — | 2.40% | $179 |
| 12 months | 4.00% | 4.00% | 4.00%4.00% $25k–$250k | $400 |
| 24 months | 3.50% | 3.50% | 3.50%3.50% $25k–$250k | $712 |
| 36 months | 3.50% | 3.50% | 3.50%3.50% $25k–$250k | $1,087 |
| 60 months | 4.00% | 4.00% | 4.00%4.00% $25k–$250k | $2,167 |
Who can join Lakota FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 (or regularly conduct business in), worship, attend school in, participate in associations headquartered in, or participate in programs to alleviate poverty or distress located in, and organizations located in the tribal lands of Jackson County and all of Oglala Lakota, Bennett, Todd, Mellette, Trip, or Gregory Counties in South Dakota.
Cost to join
- Membership requires opening a Share Account with a minimum deposit of $5.00 and presenting a federally recognized form of ID at the office.
Membership information collected October 4, 2026.