Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–7 results in Spearfish, SD metro
- 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
Rate checked
More details - 4.20%APY$895 over 25 months on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Offer: Special certificate rate. Requires funds not already on deposit at NHFCU unless otherwise stated. Automatically renews into a regular term at maturity.
Compounded daily · Effective Oct 4, 2026
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More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 25 months · $500 min
Credit union · 1 branch
4.10%APY$873 over 25 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Limited Time Only
Qualified rate · 4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Public entities not eligible.
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Penalty for early withdrawal. Public entities not eligible. Make additional deposits up to initial amount; withdraw funds without penalty up to four times after first week on deposit; increase rate one time during term.
Effective Oct 5, 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 - 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
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 Spearfish, SD metro
91 CDs at 5 banks and credit unions · checked Oct 15–22
- Typical
- 3.75%
- Top 10% from
- 4.06%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.75%
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Spearfish, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Black Hills Federal Credit UnionCredit union · 1 branch