Bank · FDIC insured
Plains Commerce Bank Savings Rates
A $1.3B bank headquartered in Sioux Falls, SD, with 8 branches in South Dakota.
How Plains Commerce Bank’s savings rates compare
Compared with banks and credit unions in South Dakota, where Plains Commerce Bank has the most branches. $10,000, best rate first.
This bank’s best
Plains Commerce Bank
4.07%APY
- Requires
- Conditions apply
- Minimum
- $0.01
- Earns on $10,000 a year
- $407
Sprout Savings 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
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Sprout Savings Account
Up to 4.07%APY
Designed for children from birth to young adulthood (up to age 18, after which the account automatically converts to a regular Plains savings account). Must maintain a minimum daily balance of $0.01 to receive interest rate. There is no minimum balance required to open the account. Up to two accounts per minor (Minor on a Minor Account or Joint Owner Account ages 11-17).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1: Daily balance of $10,000.00 or less earns 4.00% interest rate (4.07% APY) on the entire balance. Minimum daily balance of $0.01 required to receive the interest rate. | 4.07% | $407 | Tier 1: Daily balance of $10,000.00 or less earns 4.00% interest rate (4.07% APY) on the entire balance. Minimum daily balance of $0.01 required to receive the interest rate. |
| $10,000 and upTier 2: Daily balance greater than $10,000 earns 0% interest rate and 0% APY paid only for that portion of the daily balance that is greater than $10,000. | 0.00% | $0 | Tier 2: Daily balance greater than $10,000 earns 0% interest rate and 0% APY paid only for that portion of the daily balance that is greater than $10,000. |
Sources (1)
- plainscommerce.com/personal-ba…s/sprout-savings-account · captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.