Credit union · NCUA insured
Lakota FCU Savings Rates
Top CarrotLakota FCU’s best savings rate is 0.20% APY on $10,000, with its Regular Share Account. Rates checked October 22, 2026.
How Lakota FCU’s savings 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
0.20%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $20
Regular Share Account
Top rate
ONE AMERICAN BANK
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Lakota FCU savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends accrue daily on balances of $5.00 or more and are paid monthly.$5 and up | 0.20% | $20 | Dividends accrue daily on balances of $5.00 or more and are paid monthly. |
Sources (1)
- lakotafcu.com/accounts · captured Sep 19, 2026
Special-purpose accounts
Zičá Savings Account
0.20%APY
Designed for youth ages 0-12.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends accrue daily on balances of $5.00 or more and are paid monthly. Account designed for youth ages 0-12.$5 and up | 0.20% | $20 | Dividends accrue daily on balances of $5.00 or more and are paid monthly. Account designed for youth ages 0-12. |
Sources (1)
- lakotafcu.com/accounts · captured Sep 19, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.