Compare Bank & Credit Union Rates
Best CD rates in Watertown, SD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Watertown, 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 - Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 36 months · $0 min
Credit union · 1 branch
5.00%APY$1,576 over 36 months on $10,000Requirements
Product: Earn a fixed rate by keeping your funds deposited for a set term. Dividends are accrued annually.
Offer: Compounded annually
Compounded annually · Effective Oct 13, 2026
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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 - 4.25%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 - 4.07%APY$1,498 over 42 months on $10,000intro rate
Requirements
Offer: Not available in online application; must visit with a Reliabank representative to open. Interest paid every six months. Automatically renews as a 36-month CD at standard non-promotional APY. Early withdrawal penalty of 180 days' interest.
Promotional rate · 4.03% interest rate · Effective Sep 17, 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 - 3.78%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 - 3.70%APY$560 over 18 months on $10,000
Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Rates are subject to change weekly. Share certificates less than $2,500 will earn 1% less than the posted rates. Minimum deposit of $500; deposit of $2500 will earn higher dividend rates.
3.63% interest rate · Effective Jan 7, 2025
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More details - 1.95%APY$394 over 24 months on $10,000
Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Rates are subject to change weekly.
0.95% interest rate · Effective Jul 25, 2018
Rate by balance
Rate by balance for Bump Up CD Balance APY $500 and up 0.95% $2,500 and upYour amount 1.95% 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 - 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 - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 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
What CDs pay in Watertown, SD
100 CDs at 10 banks and credit unions · checked Oct 22
- Typical
- 3.25%
- Top 10% from
- 4.07%
- Banks, typical
- 2.99%
- Credit unions, typical
- 3.55%
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Watertown, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch
- Dakotaland Federal Credit UnionCredit union · 1 branch