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 61–75 results in South Dakota
- 3.07%APY$178 over 7 months on $10,000intro rate
Requirements
Product: In-branch exclusive specials; terms from 1 month to 5 years available. No setup or maintenance fees.
Offer: Classic 7 Month CD Special; in-branch exclusive.
Promotional rate · 3.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.02%APY$150 over 6 months on $10,000
Requirements
Product: Must have a Share (Savings) Account. $500 minimum balance required. Maximum Share Certificate amount is $250,000. Early withdrawal penalties may apply. 0.10% less on Share Certificates that receive a dividend check.
3.25% interest rate · Balance cap $250,000 · Effective Dec 1, 2025
Rate checked
More details - 3.00%APY$149 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Backed by NCUA insurance up to $250,000.
Offer: Early withdrawal penalty: 90 Days Dividends.
3.00% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - Security National Bank of South Dakota60 Month FLEX CD (Dakota Dunes)CD · 60 months · $1,000 min
Bank · 3 branches
3.00%APY$1,593 over 60 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit required. Excludes Individual Retirement Accounts. Initial Term Only - One rate modification allowed during the first year and one rate modification allowed during the last year, equal to the Bank's current 5 Year offer rate as of the date of the customer's request. Early withdrawals subject to penalty. Dakota Dunes location.
Offer: One rate modification allowed during the first year and one rate modification allowed during the last year (initial term only).
Promotional rate · 2.98% interest rate
Rate checked
More details - Healthcare Plus Federal Credit UnionCertificate PlusCD · 60 months · $100 min
Credit union · 1 branch
3.00%APY$1,593 over 60 months on $10,000Requirements
Product: Option to increase rate once during term. Higher balance certificates qualify for an increase on all certificates.
Offer: Option to increase rate once during term. Higher balance certificates qualify for an increase on all certificates.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Offer: 60-Mo Pre-Paid
3.00% interest rate · Effective Jan 2, 2025
Rate checked
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 · 29 branches
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
Rate checked
More details - Dakota Plains FCUShare Certificate / Term CertificateCD · 60 months · $100 min · 1.40%–1.45% by balance
Credit union · 4 branches
1.40%APY$720 over 60 months on $10,000Requirements
Product: Early withdrawal penalty of 30 days of interest on 3 & 6 month certificates, and 90 days of interest on 1-5 year certificates. Child add-on certificate available with limited add-on amount of $20.00 per transaction. Rates are based on amount deposited.
Effective Feb 1, 2015
Rate by balance
Rate by balance for Share Certificate / Term Certificate Balance APY $100 – $25,000Your amount 1.40% $25,000 – $100,000 1.45% $100,000 and up 1.45% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 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 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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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