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 16–30 results in South Dakota
- 1.50%APY$150 a year on $10,000
1.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - Merchants State BankMoney Market Gold AccountMoney Market Gold Account · $0 min · 1.10%–1.75% by balance
Bank · 4 branches
1.30%APY$130 a year on $10,000Requirements
Product: Rate may change daily. Fees may reduce earnings. MSB pays on the full balance in the account at the stated interest rate that corresponds to the applicable deposit tier.
1.09% interest rate
Rate by balance
Rate by balance for Money Market Gold Account Balance APY Up to $10,000 1.10% $10,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.55% $50,000 and up 1.75% Rate checked
More details - Area Federal Credit UnionSuper Savings AccountSavings · $0 min · 1.01%–1.26% by balance
Credit union · 2 branches
1.26%APY$126 a year on $10,000Requirements
Product: Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
No monthly fee
Rate by balance
Rate by balance for Super Savings Account Balance APY Any balance 1.01% $1,000 and upYour amount 1.26% Rate checked
More details - First PREMIER BankPREMIER Money MarketPREMIER Money Market · $500 min · 1.08%–2.52% by balance
Bank · 13 branches
1.14%APY$114 a year on $10,000Requirements
Product: Tiered variable interest rate. Rates may change after account opening. Fees could reduce earnings. $500 minimum opening balance. Withdrawal limitations apply.
1.08% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for PREMIER Money Market Balance APY Up to $10,000 1.08% $10,000 – $25,000Your amount 1.14% $25,000 – $50,000 1.26% $50,000 – $100,000 1.36% $100,000 – $250,000 1.66% $250,000 – $500,000 1.76% $500,000 – $1,000,000 2.52% $1,000,000 and up 2.52% Rate checked
More details - Levo Credit Union®Super Share Money MarketSuper Share Money Market · $2,000 min · 0.25%–1.76% by balance
Credit union · 6 branches
1.11%APY$111 a year on $10,000Requirements
Product: Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. Members can apply through online or mobile banking app.
Offer: Tier 1
0.25% interest rate
Rate by balance
Rate by balance for Super Share Money Market Balance APY $2,000 – $10,000 0.25% $10,000 – $50,000Your amountTier 2 1.11% $50,000 – $100,000Tier 3 1.36% $100,000 and upTier 4 1.76% Rate checked
More details - Merchants State BankMoney Market Savings AccountMoney Market Savings Account · $2,500 min
Bank · 4 branches
1.10%APY$110 a year on $10,000Requirements
Product: Rate may change daily. Fees may reduce earnings. MSB pays on the full balance in the account at the stated interest rate that corresponds to the applicable deposit tier.
1.09% interest rate
Rate checked
More details - 1.05%APY$105 a year on $10,000with conditions
Requirements
Product: Must pair with a free BIG DEAL® Cash or BIG DEAL® Benefits checking account. No minimum balance.
Offer: Balances up to $50,000. Must have a BIG DEAL® Cash or Benefits checking account.
Qualified rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for BIG DEAL® Saver Balance APY Up to $50,000Your amount 1.05% Over $50,000 0.15% Rate checked
More details - 1.01%APY$101 a year on $10,000
Requirements
Product: Basic membership savings account. Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.01%APY$101 a year on $10,000
1.00% interest rate · Effective Oct 19, 2023
Rate checked
More details - 1.00%APY$100 a year on $10,000
1.00% interest rate · Effective Sep 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Maintain an average daily balance of $10,000 to avoid $10 service charge. Maximum 6 withdrawals/transfers per month (or 18 per statement cycle). Rates effective February 11, 2019 and subject to change.
Offer: Maintain an average daily balance of $10,000 to avoid $10 service charge. Rate effective February 11, 2019. Balance range stated as $01.-$10,000.
0.10% interest rate · $10 monthly fee · Effective Feb 11, 2019
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $10,000 0.10% $10,000 and upYour amount 1.00% Rate checked
More details - First Dakota National BankFirstChoice Money MarketFirstChoice Money Market · $10,000 min · 1.00%–2.53% by balance
Bank · 17 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest will not accrue if your balance falls below $10,000.00. Interest is compounded and credited monthly. A monthly imaged statement is issued. Rates listed above are for accounts that can be opened online only. Contact a banker for a full list of rates and products offered. There is a $2.00 service charge for each withdrawal over 6 per calendar month.
1.00% interest rate
Rate by balance
Rate by balance for FirstChoice Money Market Balance APY $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.26% $100,000 – $150,000 1.92% $150,000 – $250,000 2.02% $250,000 – $500,000 2.12% $500,000 and up 2.53% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: $1 monthly maintenance fee avoided by maintaining at least a $300 average daily balance or adding a direct deposit (table lists fee as $3 avoided with average daily balance > $300 or monthly direct deposit). Rate and APY may change after account opening. Fees could reduce earnings.
0.25% interest rate · $1 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Simply Savings Balance APY Up to $300 0.25% $300 – $1,000 0.75% $1,000 and upYour amount 1.00% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Dividends are based on daily balances, posted on the first day of each new quarter, and paid on balances of $50.00 or greater. Deposit of $25.00 establishes the account.
Offer: Dividends paid on balances of $50.00 or greater; posted quarterly based on daily balances.
Effective Aug 30, 2024
Rate checked
More details - Service First FCUPremier Money MarketPremier Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: $1,000 minimum withdrawal with a limit of 3 withdrawals per month. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
0.50% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.50% $5,000 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.25% $50,000 – $100,000 1.75% $100,000 and up 2.00% 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