Compare Bank & Credit Union Rates
Best CD rates in Vermillion, SD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 results in Clay County, SD · Showing Clay County, SD: too few institutions in Vermillion, SD
- 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
Rate checked
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 - 4.25%APY$2,186 over 57 months on $10,000
Requirements
Offer: A penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 1, 2026
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More details - Voyage Federal Credit UnionShare CertificateCD · 6 months · $500 min · 4.04%–4.09% by balance
Credit union · 1 branch
4.09%APY$202 over 6 months on $10,000Requirements
Product: Disclosures * $500.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will be provided at account opening.
3.97% interest rate · Effective Oct 30, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $10,000 4.04% $10,000 and upYour amount 4.09% Rate checked
More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest will be credited semi-annually. $5,000 minimum deposit required for CD terms. Must compound interest, auto renews for 12 months.
Offer: Must compound interest, auto renews for 12 months. Interest credited semi-annually. Early withdrawal penalty may apply.
3.92% interest rate
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Terms from 3 months to 5 years. Interest can be compounded back into the CD or directly deposited to your Merchants State Bank checking or savings account. A penalty may be imposed for early withdrawal. Interest will be credited annually or more frequently. $100 minimum deposit required for CD terms, unless special noted.
3.92% interest rate
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
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
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 Clay County, SD
76 CDs at 6 banks and credit unions · checked Oct 22
- Typical
- 3.25%
- Top 10% from
- 4.18%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.36%
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Vermillion, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Voyage Federal Credit UnionCredit union · 1 branch