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 46–60 results in South Dakota
- 3.60%APY$1,119 over 36 months on $10,000
Requirements
Product: A substantial penalty may be charged on early withdrawal of any Certificate of Deposit. Fees may reduce stated earnings. CD terms range from 3 months to 4 years. Minimum opening deposit of $1,000.00 for all Certificates of Deposit.
Offer: A substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings.
3.55% interest rate · Effective Oct 1, 2026
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
- 3.56%APY$356 over 1 year on $10,000
3.50% interest rate · Effective Oct 31, 2014
Rate checked
More details - Ft. Randall Federal Credit UnionShared CertificateCD · 6 months · $250 min · 3.54%–3.80% by balance
Credit union · 2 branches
3.54%APY$175 over 6 months on $10,000Requirements
Product: $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older.
Offer: $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older.
3.50% interest rate · Effective Mar 18, 2025
Rate by balance
Rate by balance for Shared Certificate Balance APY $250 – $10,000Your amount 3.54% $10,000 – $50,000 3.80% Over $50,000 3.80% Rate checked
More details - 3.54%APY$1,493 over 48 months on $10,000
Requirements
Product: Early withdrawal penalties are imposed. Monthly interest available upon request.
Offer: 48-Month Quarterly interest. Early withdrawal penalties are imposed.
3.50% interest rate · Effective Jan 2, 2025
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: All certificates require a $500.00 minimum deposit. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Mar 1, 2026
Rate checked
More details - Security National Bank of South DakotaStep-Up CD (Sioux Falls)CD · 30 months · $1,000 min
Bank · 3 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 - Consumer's Federal Credit UnionShare Term CertificatesCD · 6 months · $1,000 min
Credit union · 1 branch
3.32%APY$165 over 6 months on $10,000Requirements
Offer: Dividends not compounded. Fees may reduce earnings.
3.30% interest rate · Effective Aug 22, 2024
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 - Ft. Randall Federal Credit UnionSavers CertificateCD · 12 months · $100 min
Credit union · 2 branches
3.29%APY$329 over 1 year on $10,000Requirements
Product: $100.00 minimum opening requirement.
Offer: $100.00 minimum, 12-month term.
3.25% interest rate · Effective Jan 28, 2025
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal on Share Certificates. The dividend rate and annual percentage yield may change after the account is opened for every dividend period as determined by the CU Board of Directors.
Offer: Youth – under 18. Dividends annually. Required minimum for share certificates, as shown above, to earn the annual percentage yield.
Effective Oct 9, 2023
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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 - Healthcare Plus Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 1 branch
3.20%APY$320 over 1 year on $10,000Requirements
Product: May be purchased for $100 or more. Special terms/higher rates may apply. Higher balance certificates ($200,000+) may qualify for a higher rate.
3.20% interest rate · Effective Oct 1, 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
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