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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 1–15 results in Watertown, SD metro

  1. Top Carrot, Carrot Score 87
    Dakotaland Federal Credit UnionCertificate of DepositCD · 5 months · $500 min

    Credit union · 1 branch

    5.00%APY$205 over 5 months on $10,000intro rate
  2. Top Carrot, Carrot Score 92
    Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 36 months · $0 min

    Credit union · 1 branch

    5.00%APY$1,576 over 36 months on $10,000
  3. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 1 branch

    4.25%APY$389 over 11 months on $10,000with conditions
  4. First PREMIER BankCertificates of DepositCD · 57 months · $10,000 min

    Bank · 3 branches

    4.25%APY$2,186 over 57 months on $10,000
  5. ReliabankCertificates of DepositCD · 42 months · $10,000 min

    Bank · 2 branches

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

    Credit union · 1 branch

    4.06%APY$406 over 1 year on $10,000
  7. Dacotah BankCertificate of Deposit SpecialsCD · 13 months · $5,000 min

    Bank · 1 branch

    3.90%APY$423 over 13 months on $10,000intro rate
  8. Plains Commerce BankCD SpecialsCD · 7 months · $10,000 min

    Bank · 1 branch

    3.78%APY$219 over 7 months on $10,000intro rate
  9. Avanti FCUShare CertificatesCD · 18 months · $2,500 min

    Credit union · 1 branch

    3.70%APY$560 over 18 months on $10,000
  10. Minnwest BankDigital CD SpecialsCD · 6 months · $1,000 min

    Bank · 1 branch

    3.07%APY$152 over 6 months on $10,000
  11. Minnwest BankClassic CDCD · 7 months · $5,000 min

    Bank · 1 branch

    3.07%APY$178 over 7 months on $10,000intro rate
  12. Avanti FCUBump Up CDCD · 24 months · $500 min · 0.95%–1.95% by balance

    Credit union · 1 branch

    1.95%APY$394 over 24 months on $10,000
  13. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 1 branch

    1.76%APYwith conditions
  14. Dacotah BankCertificates of DepositCD · 24 months · $500 min

    Bank · 1 branch

    1.75%APY$353 over 24 months on $10,000
  15. First Interstate BankFixed Rate CDCD · 1–2 months · $10,000 min

    Bank · 2 branches

    0.01%APY

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 Watertown, SD metro

103 CDs at 11 banks and credit unions · checked Oct 22

Typical
3.24%
Top 10% from
4.07%
Banks, typical
3.04%
Credit unions, typical
3.55%

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Watertown, SD metro

Top Carrot institutions

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

  1. Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch
  2. Dakotaland Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate