Credit union · NCUA insured
Rushmore Credit Union CD Rates
Rushmore Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Rushmore Credit Union’s CD rates compare
Compared with banks and credit unions near Rapid City, SD, where Rushmore Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rushmore Credit Union
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $186
Certificate
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
Rushmore Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Rushmore 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.
Certificate
3.75%APY · 5 terms
Dividends are paid and compounded semi-annually. Penalty for early withdrawal is 180 days dividends earned or not. 10-day grace period after maturity for renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.75% | $375 |
| 24 monthsElect-A-Rate: Raise certificate interest once during its term with a minimum balance of $5,000.00 | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 monthsElect-A-Rate: Raise certificate interest once during its term with a minimum balance of $5,000.00 | 3.75% | $1,168 |
Sources (1)
- refcu.coop/share-rates · captured Sep 19, 2026
Who can join Rushmore Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and directors of rural electric cooperatives are eligible for membership.
Family and household
- Spouses and children of members are eligible for membership.
Cost to join
- Opening a $5 share savings account is required to become a member.
Membership information collected October 4, 2026.