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 1–15 results in Sioux Falls, SD-MN metro
- 4.60%APY$499 over 13 months on $10,000
Requirements
Product: Minimum deposit $5,000.00. Penalty may be imposed for early withdrawal.
Offer: 13 Month Certificate. Penalty may be imposed for early withdrawal.
Effective Oct 21, 2026
Rate checked
More details - 4.30%APY$1,346 over 36 months on $10,000
Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.23% interest rate
Rate checked
More details - 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 - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - First International Bank & TrustFixed-Term CD (Certificate of Deposit) AccountCD · 13 months · $2,500 min
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000Requirements
Product: Minimum opening deposit to earn the stated APY for any special CD account is $2,500.00. Fees could reduce earnings on this account. A penalty may be imposed for early withdrawal of funds. These offers are for consumer and non-consumer accounts and not for public funds.
Offer: Minimum opening deposit to earn stated APY is $2,500.00. Early withdrawal penalty may apply.
Effective Oct 12, 2026
Rate checked
More details - Security National Bank of South DakotaCertificates of Deposit (Dakota Dunes)CD · 18 months · $1,000 min
Bank · 2 branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Dakota Dunes location.
4.21% interest rate
Rate checked
More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 18 months · $1,000 min
Bank · 2 branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
Promotional rate · 4.21% interest rate
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More details - 4.25%APY$2,186 over 57 months on $10,000
Requirements
Offer: A penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000intro rate
Requirements
Product: $2,500.00 minimum balance required to open an account and obtain APY. APY assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and may be subject to penalty. Rates and terms are subject to change without notice prior to account opening. Offer may be withdrawn at any time.
Promotional rate · 4.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - Voyage Federal Credit UnionShare CertificateCD · 6 months · $500 min · 4.04%–4.09% by balance
Credit union · 3 branches
4.09%APY$202 over 6 months on $10,000Requirements
Product: Disclosures * $500.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will be provided at account opening.
3.97% interest rate · Effective Oct 30, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $10,000 4.04% $10,000 and upYour amount 4.09% Rate checked
More details - 4.07%APY$1,498 over 42 months on $10,000intro rate
Requirements
Offer: Not available in online application; must visit with a Reliabank representative to open. Interest paid every six months. Automatically renews as a 36-month CD at standard non-promotional APY. Early withdrawal penalty of 180 days' interest.
Promotional rate · 4.03% interest rate · Effective Sep 17, 2026
Rate checked
More details - The First National Bank in Sioux FallsCertificate of Deposit (CD)CD · 24 months · $10,000 min
Bank · 17 branches
4.01%APY$818 over 24 months on $10,000intro rateRequirements
Product: Renewable CD with negotiable rates available by contacting the Personal Banking team.
Offer: Early withdrawal penalty and other restrictions may apply. Offer not valid on public funds. CD is automatically renewed for a 24-month term. This offer expires 10/31/26.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest will be credited semi-annually. $5,000 minimum deposit required for CD terms. Must compound interest, auto renews for 12 months.
Offer: Must compound interest, auto renews for 12 months. Interest credited semi-annually. Early withdrawal penalty may apply.
3.92% interest rate
Rate checked
More details - Security National Bank of South Dakota30 Month Step-Up CD (Dakota Dunes)CD · 30 months · $1,000 min
Bank · 2 branches
4.00%APY$1,030 over 30 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. 30 Month CD with step-up option after 15 months (one time rate increase as of date of customer's request). One half of principal may be withdrawn without penalty after 15 months. Any subsequent withdrawals subject to penalty. Renewable step-up and no penalty on 1/2 withdrawal after 15 months during initial term only. Dakota Dunes location.
Offer: Initial rate for 30-month term. After 15 months, one-time step-up option available upon request.
Promotional rate · 3.96% interest rate
Rate checked
More details - 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
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 Sioux Falls, SD-MN metro
285 CDs at 27 banks and credit unions · checked Oct 16–22
- Typical
- 2.27%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 2.58%
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Sioux Falls, SD-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Voyage Federal Credit UnionCredit union · 3 branches
- CitiBank · 2 branches
- Black Hills Federal Credit UnionCredit union · 4 branches