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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.

Term
Location

Top CD rates

Showing 16–30 results in South Dakota

  1. First Western BankSpecial Rate CDsCD · 24 months · $2,500 min

    Bank · 1 branch

    4.20%APY$858 over 24 months on $10,000intro rate
  2. Northern Hills Federal Credit UnionCertificatesCD · 25 months · $5,000 min

    Credit union · 4 branches

    4.20%APY$895 over 25 months on $10,000
  3. Security First BankTraditional Time Deposit AccountsCD · 24 months · $1,000 min

    Bank · 4 branches

    4.16%APY$849 over 24 months on $10,000
  4. Top Carrot, Carrot Score 89
    Aspen Federal Credit UnionShare CertificatesCD · 9 months · $1,000 min

    Credit union · 2 branches

    4.10%APY$306 over 9 months on $10,000
  5. Highmark Federal Credit UnionCertificates of DepositCD · 25 months · $500 min

    Credit union · 4 branches

    4.10%APY$873 over 25 months on $10,000with conditions
  6. Top Carrot, Carrot Score 92
    Voyage Federal Credit UnionShare CertificateCD · 6 months · $500 min · 4.04%–4.09% by balance

    Credit union · 4 branches

    4.09%APY$202 over 6 months on $10,000
  7. ReliabankCertificates of DepositCD · 42 months · $10,000 min

    Bank · 10 branches

    4.07%APY$1,498 over 42 months on $10,000intro rate
  8. Area Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    4.06%APY$406 over 1 year on $10,000
  9. Security First BankFlex CD AccountCD · 24 months · $1,000 min

    Bank · 4 branches

    4.06%APY$828 over 24 months on $10,000
  10. M-O Federal Credit UnionShare CertificateCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.04%APY$404 over 1 year on $10,000
  11. The First National Bank in Sioux FallsCertificate of Deposit (CD)CD · 24 months · $10,000 min

    Bank · 19 branches

    4.01%APY$818 over 24 months on $10,000intro rate
  12. Merchants State BankCD SPECIALCD · 11 months · $5,000 min

    Bank · 4 branches

    4.00%APY$366 over 11 months on $10,000
  13. Top Carrot, Carrot Score 88
    Siouxland Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  14. Top Carrot, Carrot Score 87
    Lakota FCUShare CertificateCD · 12 months · $250 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  15. Security National Bank of South Dakota30 Month Step-Up CD (Dakota Dunes)CD · 30 months · $1,000 min

    Bank · 3 branches

    4.00%APY$1,030 over 30 months on $10,000intro rate

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 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%

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South Dakota

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. San Diego Firefighters Federal Credit UnionCredit union · 1 branch
  2. Voyage Federal Credit UnionCredit union · 4 branches
  3. Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate