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 Union County, SD · Few institutions in Union County, SD: choose a wider area in the filters
- Security National Bank of South DakotaCertificates of Deposit (Dakota Dunes)CD · 18 months · $1,000 min
Bank · 1 branch
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
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More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 18 months · $1,000 min
Bank · 1 branch
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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty applies (equal to 365 days dividends on the amount withdrawn). Funds transferred to Regular Savings Account at maturity. Allowed a one-time add-on deposit.
Offer: Allowed a one-time add-on deposit.
3.93% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - Security National Bank of South Dakota30 Month Step-Up CD (Dakota Dunes)CD · 30 months · $1,000 min
Bank · 1 branch
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 One half of principal may be withdrawn without penalty after 15 months.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
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More details - 3.60%APY$148 over 5 months on $10,000
Requirements
Product: We reserve the right to decline or limit deposits at our discretion. Early withdrawal penalties may apply.
Offer: Minimum to obtain APY is $0.01.
Effective Nov 3, 2025
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More details - Security National Bank of South DakotaStep-Up CD (Sioux Falls)CD · 30 months · $1,000 min
Bank · 1 branch
3.50%APY$898 over 30 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. After 15 months, a step-up one-time rate increase is available to the customer upon request (equal to current 30-month offer rate at date of request). One-half (1/2) of the principal may be withdrawn without penalty after 15 months (during initial term only); subsequent withdrawals subject to penalty. Sioux Falls location.
Offer: Initial rate for 30-month term. After 15 months, a one-time step-up rate increase is available upon request.
Promotional rate · 3.47% interest rate
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More details - Security National Bank of South Dakota60 Month FLEX CD (Dakota Dunes)CD · 60 months · $1,000 min
Bank · 1 branch
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
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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 Union County, SD
29 CDs at 3 banks and credit unions · checked Oct 16–22
- Typical
- 3.55%
- Top 10% from
- 4.00%
- Banks, typical
- 3.50%
- Credit unions, typical
- 3.55%
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Sioux City, IA-NE-SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Telco Triad Community Credit UnionCredit union · 4 branches
- Siouxland Federal Credit UnionCredit union · 7 branches