Credit union · NCUA insured
Northern Hills Federal Credit Union CD Rates
Northern Hills Federal Credit Union’s best CD rate is 4.20% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Northern Hills Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Spearfish, SD, where Northern Hills Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Hills Federal Credit Union
4.20%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $895
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Security First Bank
4.16%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $849
Northern Hills Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.20%
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 Northern Hills 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.
Certificates
Up to 4.20%APY · 9 terms
Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.75% | $186 |
| 12 months | 3.75% | $375 |
| 13 monthsSpecial certificate rate. Requires funds not already on deposit at NHFCU unless otherwise stated. Automatically renews into a regular term at maturity | 4.00% | $434 |
| 24 months | 3.75% | $764 |
| 25 monthsSpecial certificate rate. Requires funds not already on deposit at NHFCU unless otherwise stated. Automatically renews into a regular term at maturity | 4.20% | $895 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Youth Certificates
Up to 3.90%APY · 1 term
Available for youth ages 0-17. Par value of a share for members through age 17 is $25.00. Certificates maturing on accounts of members who are age 18 and over must meet the minimum balance requirement of the renewing term for either $500 or $1000; otherwise funds revert to the regular share account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable for youth ages 0-17 | 3.75% | $764 |
Sources (3)
- northernhillsfcu.org/wp-conten…s-Account-Disclosure.pdf
- northernhillsfcu.org/cd-rates
- northernhillsfcu.org/certificates-iras-hsas
All captured Oct 4, 2026
Who can join Northern Hills 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 anyone who lives, works, worships, volunteers, or attends school in, and businesses and other legal entities in, any county within the State of South Dakota.
Family and household
- Membership is open to any relative of a member, whether related by blood or marriage.
Membership information collected October 4, 2026.