Compare Bank & Credit Union Rates
Best CD rates in Rapid City, SD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Rapid City, SD
- 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 - 4.16%APY$849 over 24 months on $10,000
Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
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More details - 4.10%APY$306 over 9 months on $10,000
4.04% interest rate · Effective Jul 21, 2025
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More details - Highmark Federal Credit UnionCertificates of DepositCD · 25 months · $500 min
Credit union · 1 branch
4.10%APY$873 over 25 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Limited Time Only
Qualified rate · 4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Public entities not eligible.
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Penalty for early withdrawal. Public entities not eligible. Make additional deposits up to initial amount; withdraw funds without penalty up to four times after first week on deposit; increase rate one time during term.
Effective Oct 5, 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 - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: 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.
3.72% interest rate · Effective Jul 1, 2026
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More details - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
3.50% interest rate · Effective Oct 31, 2014
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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 - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 branches
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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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Rapid City, SD
113 CDs at 10 banks and credit unions · checked Oct 6–22
- Typical
- 3.05%
- Top 10% from
- 4.00%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.67%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rapid City, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dakota Star Federal Credit UnionCredit union · 2 branches
- Aspen Federal Credit UnionCredit union · 2 branches
- Black Hills Federal Credit UnionCredit union · 10 branches