Bank · FDIC insured
The First National Bank in Sioux Falls CD Rates
The First National Bank in Sioux Falls’s best CD rate is 4.01% APY on a 2-year CD. Terms run from 7 months to 2 years. Rates checked October 22, 2026.
How The First National Bank in Sioux Falls’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where The First National Bank in Sioux Falls has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank in Sioux Falls
4.01%APY
- Term
- 24 months
- Minimum
- $10,000
- Earns on $10,000
- $818
Certificate of Deposit (CD)
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
The First National Bank in Sioux Falls CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.67%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo4.01%
- QualifiedQualified4.01%
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 The First National Bank in Sioux Falls 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.
Certificate of Deposit (CD)
Up to 4.01%APY · 3 terms
Renewable CD with negotiable rates available by contacting the Personal Banking team.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsEarly withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 7-month term. Offer expires 10/31/26 | 3.67% | $212 |
| 13 monthsEarly withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 13-month term. This offer expires 10/31/26 | 3.91% | $424 |
| 24 monthsEarly withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 24-month term. This offer expires 10/31/26 | 4.01% | $818 |
Sources (1)
- fnbsf.com/personal/cds-and-iras · captured Oct 4, 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.