What are the current interest rates at Reliabank Dakota?

Current rates for Reliabank Dakota include: Savings: 0.20%

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Reliabank Dakota

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Reliabank Dakota Rates & Review October 2026

Q: How many branches does Reliabank Dakota operate?

Reliabank Dakota currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Reliabank Dakota 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Reliabank Dakota 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: October 12, 2026

Reliabank Dakota's top rates as of October 12, 2026 are 3.76% APY on its 16-Month CD Special, 0.20% APY on savings, and 4.03% APY on checking, according to rates verified by MonitorBankRates. Other Reliabank Dakota CD rates include 5-Month CD Special at 3.61%. MonitorBankRates evaluates the financial stability of Reliabank Dakota with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.16%. Rates last updated and verified on 10/12/2026.

Reliabank Dakota 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 Reliabank Dakota? Share your experience about Reliabank Dakota by leaving a review below, or read customer reviews before you decide to use Reliabank Dakota.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.16%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Reliabank Dakota

211 Main St N
Estelline, SD 57234

https://www.reliabank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Reliabank Dakota CD Rates

Product	Rate	APY	Term
16 Month CD Special	3.72%	3.76%	16 Month
Details Annual Percentage Yield (APY) effective as of 9/17/2026. Rates are subject to change. *16-month CD APY is 3.76% with an interest rate of 3.72%. Interest will be paid every six months. The CD will automatically renew as an 18-month CD at the standard non-promotional APY in effect at that time and has an early withdrawal penalty of 90 days' interest. Fees could reduce earnings on the account. A $10,000 minimum initial deposit is required. A penalty may be imposed for early withdrawal. Visit with a Reliabank employee for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
5 Month CD Special	3.57%	3.61%	5 Month
Details Annual Percentage Yield (APY) effective as of 9/17/2026. Rates are subject to change. *5-month CD APY is 3.61% with an interest rate of 3.57%. Interest will be paid at maturity. The CD will automatically renew as a 6-month CD at the standard non-promotional APY in effect at that time and has an early withdrawal penalty of 30 days' interest. Fees could reduce earnings on the account. A $10,000 minimum initial deposit is required. A penalty may be imposed for early withdrawal. Visit with a Reliabank employee for complete details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Reliabank Dakota Savings Rates

Product	Rate	APY
Super Eagles Club	0.35%	0.35%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.20%	0.20%
Min Balance $200,000 Details Balance: $200,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.15%	0.15%
Min Balance $75,000 Details Balance: $75,000.00 - 199,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Savings	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - 24,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Reliabank Dakota Money Market Rates

Product	Rate	APY
Money Market Savings	0.20%	0.20%
Min Balance $200,000 Details Balance: $200,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.15%	0.15%
Min Balance $75,000 Details Balance: $75,000.00 - 199,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - 24,999.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Reliabank Dakota Checking Rates

Product	Rate	APY
Ultimate Checking	3.96%	4.03%
Min Balance $0 Details Balance: $0.01-25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Ultimate Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.01 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Ultimate Checking	0.05%	0.05%
Details Don't meet account requirements all balances Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Reliabank Dakota’s Texas Ratio fell from 17.25% in Q3 2023 to 2.16% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 5.0 and its Health Grade from F to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$788M	2.16%	5.0	A+
March 31, 2026	$758M	2.30%	5.0	A+
December 31, 2025	$772M	3.14%	5.0	A+
September 30, 2025	$747M	5.66%	5.0	A+
June 30, 2025	$741M	6.57%	4.4	A-
March 31, 2025	$747M	6.27%	4.4	A-
December 31, 2024	$790M	5.60%	3.8	B
September 30, 2024	$791M	5.66%	4.3	A-
June 30, 2024	$785M	6.91%	3.4	B-
March 31, 2024	$783M	7.31%	3.3	C+
December 31, 2023	$810M	7.16%	3.3	C+
September 30, 2023	$798M	17.25%	1.0	F

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 Reliabank Dakota 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 Reliabank Dakota 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 Reliabank Dakota's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Reliabank Dakota

Bank Holding Company BIG SIOUX FINANCIAL INC

Address 211 Main St N, Estelline, SD 57234 · Hamlin

Website https://www.reliabank.com

FDIC Certificate # 16221

Established 19200901

FDIC Insurance Date 19450102

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.16%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3741%

Return on Equity (ROE) 17.2800%

Non-Performing Loans (NPL) 0.18%

Total Assets $788,411,000

Total Deposits $663,596,000

Equity Capital $64,493,000

Net Income $5,308,000

Headquarters Estelline

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Reliabank Dakota earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Reliabank Dakota

How many branches does Reliabank Dakota operate?

Reliabank Dakota currently maintains approximately 10 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, Reliabank Dakota 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, Reliabank Dakota provides members with tools to manage their accounts and build a solid financial history.

Does Reliabank Dakota offer online and mobile banking?

Most modern institutions like Reliabank Dakota 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.reliabank.com.