Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 46–60 results in South Dakota
- 0.70%APY$70 a year on $10,000
Requirements
Product: Variable rate; may change after opening. Accounts must be opened in person.
0.70% interest rate · Effective Mar 6, 2023
Rate by balance
Rate by balance for Passbook Savings Balance APY $1,000 – $50,000Your amount 0.70% $50,000 – $100,000 0.80% $100,000 – $250,000 0.90% Over $250,000 1.01% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: No minimum balance is required for customers under 18 years old.
Offer: $3.00 monthly service charge waived if daily balance remains at $100.00 or above, or if customer is under 18 years old. $2.00 service charge per withdrawal over 6 per calendar month.
0.65% interest rate · $3 monthly fee
Rate checked
More details - Richland State BankMoney Market AccountMoney Market Account · $1,000 min · 0.65%–0.95% by balance
Bank · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: All new customer accounts must be opened in person. Variable rate account; interest rate and annual percentage yield may change at bank discretion at any time after account opening. $1,000 minimum balance stated for account.
0.65% interest rate · Effective Mar 6, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $50,000Your amount 0.65% $50,000 – $100,000 0.75% $100,000 – $250,000 0.85% Over $250,000 0.95% Rate checked
More details - Healthcare Plus Federal Credit UnionSuper ShareSuper Share · $1,000 min · 0.25%–1.51% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Account rates based on tiered balance.
Offer: Required balance: $1,000 to $4,999.99.
0.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Share Balance APY $1,000 – $5,000 0.25% $5,000 – $10,000 0.45% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 and up 1.51% Rate checked
More details - Healthcare Plus Federal Credit UnionSuper SharesSavings · $1,000 min · 0.25%–1.51% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Super Shares pay a higher dividend rate, similar to a money market account. Minimum balance $1,000. Higher dividend rate for balances over $5,000, $10,000, $25,000, $50,000, and $100,000.
0.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Shares Balance APY $1,000 – $5,000 0.25% $5,000 – $10,000 0.45% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 and up 1.51% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Variable rate; may change after opening. Accounts must be opened in person.
0.60% interest rate · Effective Mar 6, 2023
Rate checked
More details - Interfaith Federal Credit UnionMoney Market Multiplier AccountMoney Market Multiplier Account · $2,000 min · 0.50%–0.60% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Minimum balance of $2,000 to earn dividends and avoid fee. Dividends compounded and credited monthly. Allows up to 3 checks and 3 transfers per month. A $15 fee applies if balance falls below $2,000 or if more than 6 transactions occur in a monthly period.
Offer: Dividends paid monthly as long as balance does not fall below $2,000. There is a $15 fee if the account drops below $2,000 minimum.
0.50% interest rate · $15 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Multiplier Account Balance APY $2,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.55% $50,000 – $99,999 0.60% $100,000 and up 0.60% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Savings Passbook required for all withdrawals. No monthly Service Charges.
Offer: Savings Passbook required for all withdrawals.
0.55% interest rate · No monthly fee · Effective Jan 2, 2025
Rate checked
More details - 0.55%APY$55 a year on $10,000
0.55% interest rate · Effective Jan 2, 2025
Rate checked
More details - Dakota Plains FCUMoney MarketMoney Market · $0 min · 0.00%–0.85% by balance
Credit union · 4 branches
0.55%APY$55 a year on $10,000Requirements
Product: Minimum balance of $1,000.00 required. Dividends are compounded and paid monthly. Maximum of 3 checks per month. Excessive withdrawals fee of $10.00 per withdrawal in excess of 3 per month; minimum balance fee of $10.00 per month. All deposited funds earn the rate for the tier. Variable rate subject to change at any time.
Offer: All deposited funds earn the rate for the tier. Dividends compounded and paid monthly. Minimum balance fee of $10.00 per month applies if minimum balance not maintained.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $5,001 0.50% $5,001 – $10,001Your amount 0.55% $10,001 – $25,001 0.85% $25,001 and up 0.60% Rate checked
More details - 0.51%APY$51 a year on $10,000
Requirements
Offer: Interest compounds monthly. ICS feature may be used to sweep balances to other banks.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Jumbo Deposit Account Balance APY Up to $100,000Your amount 0.51% $100,000 – $230,000 1.53% $230,000 and up 2.77% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Approved by the Board of Directors on October 19, 2023.
Offer: Min. $5,000 balance required for stated rate.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Must open with a minimum deposit of $10,000. Allowed six transactions per month. If balance falls below $10,000 the dividends are forfeited. Dividends are paid on the average balance, posted on the last day of the quarter, and subject to change quarterly. Checks are provided.
0.50% interest rate · Effective Dec 31, 2024
Rate by balance
Rate by balance for Money Market Balance APY $10,000 and upYour amount 0.50% $25,000 and up 0.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Maximum contribution of $250.00 per month. Declared January 28, 2025. Rates are based on qualifications; all rates shown are APY declared by the Board of Directors and subject to change. Key to membership and primary savings account.
Offer: Maximum contribution of $250.00 per month. Declared January 28, 2025.
0.50% interest rate · Effective Jan 28, 2025
Rate checked
More details - Service First FCUFIMMA – First Insured Money Market AccountFIMMA – First Insured Money Market Account · $1,000 min · 0.25%–0.50% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Limit 3 withdrawals per month. Each withdrawal and deposit must be $250 or more. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
0.25% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for FIMMA – First Insured Money Market Account Balance APY Up to $1,000 0.25% $1,000 and upYour amount 0.50% 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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Find your bank or credit union to see all its rates and how they compare near you.
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