Compare Bank & Credit Union Rates
Best CD rates in Sioux Falls, SD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Sioux Falls, SD
- 3.80%APY$380 over 1 year on $10,000
Requirements
Product: No monthly fees. FDIC insured up to $250,000. Account subject to early withdrawal penalties if closed prior to maturity. Penalty equals: 7 days interest if withdrawal within first 6 days; 90 days interest if CD term <= 1 year; 180 days interest if CD term <= 2 years; 365 days interest if CD term > 2 years. APY assumes interest remains on deposit until maturity. Additional term lengths (3, 24, 36, 48, 60-months) available by contacting a banker.
Offer: No additional deposits allowed during term, or one deposit between $500 and $50,000 allowed per footnote. Option to exchange interest rate one time during term.
3.75% interest rate
Rate checked
More details - 3.80%APY$1,609 over 48 months on $10,000
Requirements
Product: NCUA insured. Rates and APYs subject to change monthly as determined by the Credit Union Board of Directors. Early withdrawal penalties apply.
3.75% interest rate
Rate checked
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
Rate checked
More details - Bank MidwestCertificates of DepositCD · 60 months · $500 min · 3.65%–3.75% by balance
Bank · 1 branch
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 60-month Certificate of Deposit
3.60% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.65% $250,000 and up 3.75% Rate checked
More details - 3.60%APY$148 over 5 months on $10,000
Requirements
Product: We reserve the right to decline or limit deposits at our discretion. Early withdrawal penalties may apply.
Offer: Minimum to obtain APY is $0.01.
Effective Nov 3, 2025
Rate checked
More details - 3.59%APY$451 over 15 months on $10,000intro rate
Requirements
Product: No maintenance fees. Maximum account balance is $1,000,000. Interest compounded quarterly. Penalty for early withdrawal. Automatic renewal at maturity with a 10-calendar day grace period.
Offer: Standard CD rate. Substantial penalty for early withdrawal.
Promotional rate · 3.54% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
- Security National Bank of South DakotaStep-Up CD (Sioux Falls)CD · 30 months · $1,000 min
Bank · 2 branches
3.50%APY$898 over 30 months on $10,000intro rateRequirements
Product: $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.
Offer: Initial rate for 30-month term. After 15 months, a one-time step-up rate increase is available upon request.
Promotional rate · 3.47% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.07%APY$152 over 6 months on $10,000
Requirements
Product: Available online only; not available to open in branch.
Offer: Open online only.
3.05% interest rate
Rate checked
More details - 3.07%APY$178 over 7 months on $10,000intro rate
Requirements
Product: In-branch exclusive specials; terms from 1 month to 5 years available. No setup or maintenance fees.
Offer: Classic 7 Month CD Special; in-branch exclusive.
Promotional rate · 3.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$149 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Backed by NCUA insurance up to $250,000.
Offer: Early withdrawal penalty: 90 Days Dividends.
3.00% interest rate · Effective Jun 1, 2026
Rate checked
More details - Security National Bank of South Dakota60 Month FLEX CD (Dakota Dunes)CD · 60 months · $1,000 min
Bank · 2 branches
3.00%APY$1,593 over 60 months on $10,000intro rateRequirements
Product: $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.
Offer: One rate modification allowed during the first year and one rate modification allowed during the last year (initial term only).
Promotional rate · 2.98% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 7 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
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 Sioux Falls, SD
268 CDs at 25 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 2.74%
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Sioux Falls, SD-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Voyage Federal Credit UnionCredit union · 3 branches
- CitiBank · 2 branches
- Black Hills Federal Credit UnionCredit union · 4 branches