Compare Bank & Credit Union Rates
Best CD rates in Aberdeen, SD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Aberdeen, SD
- Dakotaland Federal Credit UnionCertificate of DepositCD · 5 months · $500 min
Credit union · 1 branch
5.00%APY$205 over 5 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Members may do a rate change option one time to certificate terms 24, 36, 48 and 60 months (specials excluded) if the current market rate for the matching term increases. No maintenance fees. Dividends compounded quarterly (or paid out).
Offer: CD Special. Compounded quarterly.
Promotional rate · 4.91% interest rate · Compounded quarterly · Effective Sep 1, 2026
Rate checked
More details - 4.30%APY$1,346 over 36 months on $10,000
Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.23% interest rate
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.20%APY$243 over 7 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
Promotional rate · 4.16% interest rate · Effective Sep 30, 2026
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More details - 4.06%APY$406 over 1 year on $10,000
Effective Oct 4, 2026
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More details - 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: $5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.
Promotional rate · 3.90% interest rate · Effective Sep 21, 2026
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More details - 3.79%APY$188 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
3.75% interest rate · Effective Sep 30, 2026
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More details - 3.78%APY$219 over 7 months on $10,000intro rate
Requirements
Product: $10,000 minimum balance required to open account and obtain listed APY. Not eligible to use for current exchange-a-rate certificate of deposit. Institutional funds not eligible. Substantial penalty may be imposed for early withdrawal. Fees may reduce earnings. Plains Commerce Bank reserves the right to end the special rate at any time.
Offer: $10,000 minimum balance required to open account and obtain listed APY. Not eligible to use for current exchange-a-rate certificate of deposit. Institutional funds not eligible. Early withdrawal penalty may apply.
Promotional rate · Effective May 11, 2026
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More details - Healthcare Plus Federal Credit UnionCertificate SpecialsCD · 17 months · $500 min · 3.75%–3.90% by balance
Credit union · 1 branch
3.75%APY$535 over 17 months on $10,000Requirements
Product: $500 minimum. Penalty for early withdrawal. IRAs earn a higher rate of 0.25%.
Offer: Under $50k. Penalty for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY Up to $50,000Your amount 3.75% $50,000 and upOver $50k. 3.90% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Healthcare Plus Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 1 branch
3.20%APY$320 over 1 year on $10,000Requirements
Product: May be purchased for $100 or more. Special terms/higher rates may apply. Higher balance certificates ($200,000+) may qualify for a higher rate.
3.20% interest rate · Effective Oct 1, 2026
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More details - Healthcare Plus Federal Credit UnionCertificate PlusCD · 60 months · $100 min
Credit union · 1 branch
3.00%APY$1,593 over 60 months on $10,000Requirements
Product: Option to increase rate once during term. Higher balance certificates qualify for an increase on all certificates.
Offer: Option to increase rate once during term. Higher balance certificates qualify for an increase on all certificates.
3.00% interest rate · Effective Oct 1, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.75%APY$353 over 24 months on $10,000
Requirements
Product: $500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Gold Money Market account holders receive an additional 0.10% bonus rate on the 1st term of Standard, Fixed-Rate CDs.
1.75% interest rate · Effective Sep 21, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Aberdeen, SD
110 CDs at 10 banks and credit unions · checked Oct 6–22
- Typical
- 3.07%
- Top 10% from
- 4.16%
- Banks, typical
- 1.73%
- Credit unions, typical
- 3.30%
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Aberdeen, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dakotaland Federal Credit UnionCredit union · 1 branch