Compare Bank & Credit Union Rates
Best savings rates in South Dakota
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 61–75 results in South Dakota
- Dakotaland Federal Credit UnionInvestor's Choice AccountsSavings · $500 min · 0.50%–3.00% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Gives flexibility to invest money at a higher rate without locking into a term. No minimum to open your account. With a deposit as low as $500 you will begin earning dividends. Minimum balance required for an Investor's Choice Account is $500.00.
Offer: Compounded monthly.
0.50% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Investor's Choice Accounts Balance APY $500 – $24,999Your amount 0.50% $25,000 and up 0.60% $50,000 and up 0.75% $100,000 and up 1.00% $250,000 and up 1.25% $500,000 and up 2.50% $750,000 and up 3.00% Rate checked
More details - Dakotaland Federal Credit UnionInvestor's ChoiceInvestor's Choice · $500 min · 0.50%–3.00% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum balance required for an Investor's Choice Account is $500.00 to earn dividends. There is no minimum to open the account.
Offer: Compounded monthly
0.50% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for Investor's Choice Balance APY $500 – $24,999Your amount 0.50% $25,000 and up 0.60% $50,000 and up 0.75% $100,000 and up 1.00% $250,000 and up 1.25% $500,000 and up 2.50% $750,000 and up 3.00% Rate checked
More details - Ft. Randall Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Maximum contribution of $250.00 per month. Rates are based on qualifications, declared by the Board of Directors and subject to change.
Offer: Maximum contribution of $250.00 per month. Rates are based on qualifications.
0.50% interest rate · Effective Jan 28, 2025
Rate checked
More details - San Diego Firefighters Federal Credit UnionMoney MarketMoney Market · $0 min · 0.00%–1.36% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department in San Diego County, immediate family, or employees/members of Firefighter Related Organizations. Has no term restrictions or minimum balance to open. Requires a minimum balance of $1,000 to earn dividends (no penalties/fees for balances less than $1,000). Rate applies to the entire balance.
Offer: Requires a minimum of $1,000 to earn dividends.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 – $500,000 1.15% $500,000 and up 1.36% Rate checked
More details - Sioux Valley Co-op Federal Credit UnionRegular Shares SavingsSavings · $100 min
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Offer: Interest compounded quarterly. Minimum $100 balance required to earn dividend.
Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Variable rate; may change after opening. Accounts must be opened in person.
0.40% interest rate · Effective Mar 6, 2023
Rate checked
More details - Healthcare Plus Federal Credit UnionSavings Account / Share AccountSavings · $25 min · 0.10%–0.35% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: With a Share Account, each deposit is eligible to earn a very competitive dividend rate that is paid quarterly. Available once share balances reach $25.00. Unlimited deposits or withdrawals. ATM Card available. Free Voice Teller and Internet Banking.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account / Share Account Balance APY Up to $1,000 0.10% $1,000 – $10,000 0.25% $10,000 and upYour amount 0.35% Rate checked
More details - M-O Federal Credit UnionMONEY MARKETMONEY MARKET · $10,000 min · 0.10%–1.00% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Effective Mar 10, 2025
Rate by balance
Rate by balance for MONEY MARKET Balance APY Any balance 0.10% $10,000 and upYour amount 0.35% $25,000 and up 0.55% $50,000 and up 0.75% $90,000 and up 1.00% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Required account for credit union membership representing ownership. A deposit of $5.00 establishes the account. A deposit of $25.00 or more earns dividends. Dividends paid on daily average balance and posted quarterly.
Offer: A deposit of $25.00 or more will earn dividends. Dividends paid on daily average balance, posted quarterly.
0.30% interest rate · Effective Dec 31, 2024
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 7 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $4 monthly service charge avoided by maintaining a minimum balance of $100. Tiered interest earned each day balance is above $100.
Offer: $4 monthly service charge waived with $100 minimum balance.
0.10% interest rate · $4 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.10% $1,000 and up 0.20% $10,000 and upYour amount 0.30% $25,000 and up 0.40% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Also referred to as Regular Savings Account. Interest paid quarterly. ATM access available with qualifying account.
Offer: Rate may change daily. Fees may reduce earnings.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: You must maintain a minimum average daily balance of $25.00 to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).
Offer: You must maintain a minimum average daily balance of $25.00 to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).
0.25% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department in San Diego County, immediate family, or employees/members of Firefighter Related Organizations.
0.25% interest rate · No monthly fee
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 savings accounts pay in South Dakota
145 accounts at 57 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.51%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.40%
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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