Bank · FDIC insured
Security National Bank of South Dakota CD Rates
Security National Bank of South Dakota’s best CD rate is 4.25% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Security National Bank of South Dakota’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Security National Bank of South Dakota has the most branches. $10,000, best rate first.
This bank’s best
Security National Bank of South Dakota
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
Certificates of Deposit (Dakota Dunes)
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Security National Bank of South Dakota CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
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 Security National Bank of South Dakota ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (Dakota Dunes)
Up to 4.25%APY · 8 terms
$1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Dakota Dunes location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day term | 3.50% | $173 |
| 8 months | 3.50% | $232 |
| 10 months | 3.50% | $291 |
| 12 months | 4.00% | $400 |
| 18 months | 4.25% | $644 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.00% | $1,255 |
Sources (1)
- snbsd.com/rates/deposit-rates · captured Oct 15, 2026
Traditional CD (Sioux Falls)
Up to 4.25%APY · 9 terms
$1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 8 months | 3.65% | $242 |
| 10 months | 3.65% | $303 |
| 12 months | 4.00% | $400 |
| 18 months | 4.25% | $644 |
| 24 months | 3.25% | $661 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
30 Month Step-Up CD (Dakota Dunes)
4.00%APY · 1 term
$1,000 minimum deposit to open. 30 Month CD with step-up option after 15 months (one time rate increase as of date of customer's request). One half of principal may be withdrawn without penalty after 15 months. Any subsequent withdrawals subject to penalty. Renewable step-up and no penalty on 1/2 withdrawal after 15 months during initial term only. Dakota Dunes location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsInitial rate for 30-month term. After 15 months, one-time step-up option available upon request | 4.00% | $1,030 |
Sources (1)
- snbsd.com/rates/deposit-rates · captured Oct 15, 2026
Step-Up CD (Sioux Falls)
3.50%APY · 1 term
$1,000 minimum deposit to open. After 15 months, a step-up one-time rate increase is available to the customer upon request (equal to current 30-month offer rate at date of request). One-half (1/2) of the principal may be withdrawn without penalty after 15 months (during initial term only); subsequent withdrawals subject to penalty. Sioux Falls location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsInitial rate for 30-month term. After 15 months, a one-time step-up rate increase is available upon request | 3.50% | $898 |
60 Month FLEX CD (Dakota Dunes)
3.00%APY · 1 term
$1,000 minimum deposit required. Excludes Individual Retirement Accounts. Initial Term Only - One rate modification allowed during the first year and one rate modification allowed during the last year, equal to the Bank's current 5 Year offer rate as of the date of the customer's request. Early withdrawals subject to penalty. Dakota Dunes location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsOne rate modification allowed during the first year and one rate modification allowed during the last year (initial term only) | 3.00% | $1,593 |
Sources (1)
- snbsd.com/rates/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
Fixed Rate Individual Retirement Account (IRA) CD (Dakota Dunes)
Up to 4.25%APY · 8 terms
Same terms and rates apply as CDs. Dakota Dunes location. Excludes 60 Month Flex CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day term | 3.50% | $173 |
| 8 months | 3.50% | $232 |
| 10 months | 3.50% | $291 |
| 12 months | 4.00% | $400 |
| 18 months | 4.25% | $644 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.00% | $1,255 |
Sources (1)
- snbsd.com/rates/deposit-rates · captured Oct 15, 2026
Fixed Rate Individual Retirement Account (IRA) CD (Sioux Falls)
Up to 4.25%APY · 9 terms
Same terms, minimum balances ($1,000), annual percentage yields, and early withdrawal penalties apply as Traditional CDs. Sioux Falls location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 8 months | 3.65% | $242 |
| 10 months | 3.65% | $303 |
| 12 months | 4.00% | $400 |
| 18 months | 4.25% | $644 |
| 24 months | 3.25% | $661 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- snbsd.com/rates/deposit-rates · captured Oct 15, 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.