What are the current interest rates at Dakota Community Bank & Trust?

Current rates for Dakota Community Bank & Trust include: 12-Month CD: 3.40%, 18-Month CD: 4.10%, 24-Month CD: 3.30%, 36-Month CD: 4.50%, 60-Month CD: 4.60%

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Dakota Community Bank & Trust

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Dakota Community Bank & Trust Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota Community Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Dakota Community Bank & Trust's 24-Month CD rates are at 4.80%, 27-Month Certificate Special rates are at 4.70%, IRA 60-Month rates are at 4.65%, 60-Month CD rates are at 4.60%, IRA 36-Month rates are at 4.55%. MonitorBankRates evaluates the financial stability of Dakota Community Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 09/19/2026.

Dakota Community Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dakota Community Bank & Trust? Share your experience about Dakota Community Bank & Trust by leaving a review below, or read customer reviews before you decide to use Dakota Community Bank & Trust.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dakota Community Bank & Trust, National Association

609 Main St
Hebron, ND 58638

https://www.dakotacommunitybank.com

Dakota Community Bank & Trust CD Rates

Product	Rate	APY	Term
24 MONTH CD	4.80%	4.80%	24 MONTH
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
27 Month Certificate Special	4.70%	4.70%	27 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA 60 MONTH	4.60%	4.65%	60 MONTH
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
60 MONTH CD	4.60%	4.60%	60 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA 36 MONTH	4.50%	4.55%	36 MONTH
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA 39 MONTH	4.50%	4.55%	39 MONTH
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
24 MONTH CD	4.50%	4.50%	24 MONTH
Min Deposit $99,000 Min Balance $99,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
36 MONTH CD	4.50%	4.50%	36 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
39 Month Certificate Special	4.50%	4.50%	39 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 MONTH CD	4.40%	4.40%	12 MONTH
Min Deposit $500,000 Min Balance $500,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 MONTH CD	4.30%	4.35%	6 MONTH
Min Deposit $500,000 Min Balance $500,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
54 Month Certificate Special	4.30%	4.30%	54 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA 24 MONTH	4.20%	4.24%	24 MONTH
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 MONTH CD	4.20%	4.20%	12 MONTH
Min Deposit $99,000 Min Balance $99,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
24 MONTH CD	4.20%	4.20%	24 MONTH
Min Deposit $70,000 Min Balance $70,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 MONTH CD	4.10%	4.16%	3 MONTH
Min Deposit $500,000 Min Balance $500,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Certificate Special	4.10%	4.10%	18 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 MONTH CD	4.00%	4.04%	6 MONTH
Min Deposit $99,000 Min Balance $99,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA 12 MONTH	4.00%	4.04%	12 MONTH
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 MONTH CD	4.00%	4.00%	12 MONTH
Min Deposit $70,000 Min Balance $70,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
24 MONTH CD	4.00%	4.00%	24 MONTH
Min Deposit $30,000 Min Balance $30,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 MONTH CD	3.80%	3.85%	3 MONTH
Min Deposit $99,000 Min Balance $99,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 MONTH CD	3.80%	3.80%	12 MONTH
Min Deposit $30,000 Min Balance $30,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 MONTH CD	3.70%	3.73%	6 MONTH
Min Deposit $70,000 Min Balance $70,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
9 Month Certificate Special	3.70%	3.72%	9 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 MONTH CD	3.40%	3.40%	12 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 MONTH CD	3.30%	3.34%	3 MONTH
Min Deposit $70,000 Min Balance $70,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 MONTH CD	3.30%	3.33%	6 MONTH
Min Deposit $30,000 Min Balance $30,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
24 MONTH CD	3.30%	3.30%	24 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 MONTH CD	3.10%	3.14%	3 MONTH
Min Deposit $30,000 Min Balance $30,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 MONTH CD	3.10%	3.12%	6 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 MONTH CD	3.00%	3.03%	3 MONTH
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Dakota Community Bank & Trust’s Texas Ratio stayed near 0.89% in Q3 2023 to 0.58% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.1 to 5.0 and its Health Grade from B- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	0.58%	5.0	A+
March 31, 2026	$1.4B	0.64%	5.0	A+
December 31, 2025	$1.4B	0.61%	5.0	A+
September 30, 2025	$1.3B	0.68%	5.0	A+
June 30, 2025	$1.3B	0.44%	5.0	A+
March 31, 2025	$1.3B	0.46%	5.0	A+
December 31, 2024	$1.3B	0.40%	4.8	A+
September 30, 2024	$1.2B	0.41%	5.0	A+
June 30, 2024	$1.2B	0.50%	4.9	A+
March 31, 2024	$1.3B	0.42%	4.7	A
December 31, 2023	$1.3B	0.49%	4.5	A
September 30, 2023	$1.2B	0.89%	3.1	B-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Dakota Community Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Dakota Community Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dakota Community Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dakota Community Bank & Trust

Bank Holding Company DAKOTA COMMUNITY BANSHARES INC

Address 609 Main St, Hebron, ND 58638 · Morton

Website https://www.dakotacommunitybank.com

FDIC Certificate # 15728

Established 19400101

FDIC Insurance Date 19400311

Domestic Offices 13

Total Branches 13

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.58%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8277%

Return on Equity (ROE) 22.4700%

Non-Performing Loans (NPL) 0.05%

Total Assets $1,388,252,000

Total Deposits $1,240,863,000

Equity Capital $119,081,000

Net Income $12,710,000

Headquarters Hebron

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Dakota Community Bank & Trust earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Dakota Community Bank & Trust

How many branches does Dakota Community Bank & Trust operate?

Dakota Community Bank & Trust currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Dakota Community Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota Community Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Dakota Community Bank & Trust offer online and mobile banking?

Most modern institutions like Dakota Community Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dakotacommunitybank.com.