Compare Bank & Credit Union Rates
Best CD rates in South Dakota
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in South Dakota
- 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
Rate checked
More details - Coteau Valley Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.98%APY$398 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly Dividends calculated by average daily balance Automatic renewal with a 10 day grace period A 0.200% dividend increase is available for non-profit organizations. Penalties 6 month CD - loss of one quarter's earnings 12 month & up - loss of two quarter's earnings
Offer: A 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period.
3.90% interest rate · Effective Oct 15, 2026
Rate checked
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
Rate checked
More details - 3.85%APY$352 over 11 months on $10,000intro rate
Requirements
Product: Minimum opening deposit to obtain APY is $5,000. CD will roll into a 6 month CD at maturity. Early withdrawal penalty may apply. Offer available for a limited time.
Offer: Minimum opening deposit to obtain APY is $5,000. CD will roll into a 6 month CD at maturity. Early withdrawal penalty may apply. Offer available for a limited time.
Promotional rate · Effective Aug 26, 2026
Rate checked
More details - 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 - 3.79%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
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 - 3.78%APY$378 over 1 year on $10,000
Requirements
Product: CD Rates minimum of $1,000.00. Penalty required for early withdrawal. Members should call the credit union to verify rates.
Offer: Penalty required for early withdrawal. Minimum of $1,000.00.
3.75% interest rate · Effective Oct 3, 2026
Rate checked
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
Rate checked
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 - 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 - 3.70%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
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
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 South Dakota
516 CDs at 56 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
South Dakota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Voyage Federal Credit UnionCredit union · 4 branches
- Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch