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CD Rate Trends

South Dakota Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

South Dakota CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current South Dakota CD rates include Dakota Community Bank & TrustDakota Community Bank & Trust1711 W Grand Xing, Mobridge, SD 57601A+5.0 ★Texas Ratio: 0.58%Real return: +2.20%APY minus CPI (February 2026) offering 24 MONTH CD at 5.00% APY, CorTrust BankCorTrust Bank26 W 7th Ave, Webster, SD 57274A+5.0 ★Texas Ratio: 5.11%Real return: +1.50%APY minus CPI (February 2026) offering 3 Year Certificate at 4.30% APY, Security First BankSecurity First Bank401 3rd Ave, Martin, SD 57551A+5.0 ★Texas Ratio: 1.27%Real return: +1.26%APY minus CPI (February 2026) offering 24 Month Flex CD Account at 4.06% APY, Fort Randall Federal Credit UnionFort Randall Federal Credit Union100 W 7th Street, Platte, SD 57369A+5.0 ★Texas Ratio: 3.71%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month Certificate at 4.06% APY, and OAB One American BankOAB One American Bank549 Broadway St, Centerville, SD 57014A5.0 ★Texas Ratio: 12.41%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month CD Special at 4.05% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in South Dakota side-by-side. South Dakota CD rates currently reach as high as 5.00% APY from Dakota Community Bank & Trust at 1711 W Grand Xing, Mobridge, SD 57601. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in South Dakota

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South Dakota 3 Month CD Rates

MonitorBankRates South Dakota Average · 3 Month CD2.35% APY▼ 0.03% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in South Dakota is 2.35% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
3 MONTH CD
$500,000
4.27% ▲ 1.92% above South Dakota avg
View
▼
Rate4.20%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▲ 1.92% above avgNationally 2.09%
Details

Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
3.46%4.12%4.77%Sep 8, 2026: 3.96% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYSep 27, 2026: 4.27% APYSep 8, 2026Oct 13, 2026
  • Sep 27, 20264.27%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 3.96%
  • Sep 8, 20263.96%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
3-Month Certificate
$100
4.00% ▲ 1.65% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▲ 1.65% above avgNationally 2.09%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
3 Month CD Special
$50,000
3.85% ▲ 1.50% above South Dakota avg
View
▼
Rate3.80%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.35%▲ 1.50% above avgNationally 2.09%
Details

Rate History
1 change since Sep 27, 2026 · 4.05% → 3.85% ▼ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 27, 2026: 4.05% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▼ from 4.05%
  • Sep 27, 20264.05%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
3 MONTH CD
$99,000
3.75% ▲ 1.40% above South Dakota avg
View
▼
Rate3.70%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▲ 1.40% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 8, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 8, 2026: 3.55% APYSep 18, 2026: 3.85% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.75%▼ from 3.85%
  • Sep 18, 20263.85%▲ from 3.55%
  • Sep 8, 20263.55%first recorded
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
3 Month Share Certificate
$0
3.55% ▲ 1.20% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.35%▲ 1.20% above avgNationally 2.09%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal; Dividend Rate shown as APR column

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
3 Month Certificate of Deposit
$0
3.29% ▲ 0.94% above South Dakota avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.35%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 7, 2026: 3.29% APYOct 7, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
3 MONTH CD
$70,000
3.24% ▲ 0.89% above South Dakota avg
View
▼
Rate3.20%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▲ 0.89% above avgNationally 2.09%
Details

Rate History
1 change since Sep 8, 2026 · 3.34% → 3.24% ▼ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 8, 2026: 3.34% APYOct 2, 2026: 3.24% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.24%▼ from 3.34%
  • Sep 8, 20263.34%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
3 MONTH CD
$500
3.03% ▲ 0.68% above South Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▲ 0.68% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 9 times
2.53%3.03%3.53%Sep 8, 2026: 3.03% APYSep 8, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
3 Month Certificate of Deposit
$1,000
3.03% ▲ 0.68% above South Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▲ 0.68% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 8 times
2.53%3.03%3.53%Sep 8, 2026: 3.03% APYSep 8, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
3 MONTH CERTIFICATE
$2,500
3.02% ▲ 0.67% above South Dakota avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▲ 0.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 4 times
2.52%3.02%3.52%Sep 30, 2026: 3.02% APYSep 30, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
3 Month Certificate
$0
2.78% ▲ 0.43% above South Dakota avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.35%▲ 0.43% above avgNationally 2.09%
Details

Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026

Rate History
No change since Sep 17, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 17, 2026: 2.78% APYSep 17, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
3 Month Certificate of Deposit
$0
2.64% ▲ 0.29% above South Dakota avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.35%▲ 0.29% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.64% APY · checked 2 times
2.14%2.64%3.14%Oct 8, 2026: 2.64% APYOct 8, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
3 Month Share Certificates
$0
2.25% ▼ 0.10% below South Dakota avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.35%▼ 0.10% below avgNationally 2.09%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
3 MONTH CERTIFICATE
$1,000
1.01% ▼ 1.34% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.35%▼ 1.34% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 1.01% APY · checked 4 times
0.51%1.01%1.51%Sep 25, 2026: 1.01% APYSep 25, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
3 Month CD
$0
0.70% ▼ 1.65% below South Dakota avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▼ 1.65% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.70% APY · checked 5 times
0.20%0.70%1.20%Sep 24, 2026: 0.70% APYSep 24, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 3 Month
$25,000
0.15% ▼ 2.20% below South Dakota avg
View
▼
Rate0.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▼ 2.20% below avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 3 Month
$250
0.10% ▼ 2.25% below South Dakota avg
View
▼
Rate0.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▼ 2.25% below avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 6, 2026: 0.10% APYOct 6, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.29% below South Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▼ 2.29% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.29% below South Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▼ 2.29% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.30% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
3 Month IRA Certificates
$0
0.05% ▼ 2.30% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
3 Month Standard CD
$0
0.05% ▼ 2.30% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

South Dakota 6 Month CD Rates

MonitorBankRates South Dakota Average · 6 Month CD3.13% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in South Dakota is 3.13% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
6 MONTH CD
$500,000
4.35% ▲ 1.22% above South Dakota avg
View
▼
Rate4.30%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 1.22% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 8, 2026 · 4.14% → 4.35% ▲ 0.21 pts · high 4.45% / low 4.14%
3.64%4.30%4.95%Sep 8, 2026: 4.14% APYSep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYOct 7, 2026: 4.35% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.35%▼ from 4.45%
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%▲ from 4.14%
  • Sep 8, 20264.14%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
6 MONTH CD
$99,000
4.14% ▲ 1.01% above South Dakota avg
View
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 1.01% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 8, 2026 · 3.94% → 4.14% ▲ 0.20 pts · high 4.14% / low 3.94%
3.44%4.04%4.64%Sep 8, 2026: 3.94% APYSep 18, 2026: 4.04% APYOct 2, 2026: 4.14% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.14%▲ from 4.04%
  • Sep 18, 20264.04%▲ from 3.94%
  • Sep 8, 20263.94%first recorded
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
6 Month CD Special
$50,000
4.05% ▲ 0.92% above South Dakota avg
View
▼
Rate3.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.13%▲ 0.92% above avgNationally 2.78%
Details

Rate History
1 change since Sep 27, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 27, 2026: 3.95% APYOct 7, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 3.95%
  • Sep 27, 20263.95%first recorded
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
4956 5th St, Rapid City, SD 57701
6 Month Share Certificate
$0
4.00% ▲ 0.87% above South Dakota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
6 MONTH CD
$70,000
3.94% ▲ 0.81% above South Dakota avg
View
▼
Rate3.90%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 0.81% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 8, 2026 · 3.63% → 3.94% ▲ 0.31 pts · high 4.04% / low 3.63%
3.13%3.84%4.54%Sep 8, 2026: 3.63% APYSep 18, 2026: 3.73% APYOct 2, 2026: 4.04% APYOct 7, 2026: 3.94% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20263.94%▼ from 4.04%
  • Oct 2, 20264.04%▲ from 3.73%
  • Sep 18, 20263.73%▲ from 3.63%
  • Sep 8, 20263.63%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
6 Month Certificate Accounts
$0
3.80% ▲ 0.67% above South Dakota avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.67% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
6 Month Certificate
$0
3.80% ▲ 0.67% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.67% above avgNationally 2.78%
Details

Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026

Rate History
1 change since Sep 17, 2026 · 2.78% → 3.80% ▲ 1.02 pts · high 3.80% / low 2.78%
1.76%3.29%4.82%Sep 17, 2026: 2.78% APYSep 25, 2026: 3.80% APYSep 17, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 2.78%
  • Sep 17, 20262.78%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
6 Month Certificate of Deposit
$1,000
3.79% ▲ 0.66% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 0.66% above avgNationally 2.78%
Details

Rate History
1 change since Sep 8, 2026 · 3.59% → 3.79% ▲ 0.20 pts · high 3.79% / low 3.59%
3.09%3.69%4.29%Sep 8, 2026: 3.59% APYOct 2, 2026: 3.79% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.79%▲ from 3.59%
  • Sep 8, 20263.59%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
320 S Phillips Ave, Sioux Falls, SD 57104
6 Month CD
$0
3.78% ▲ 0.65% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
6 Month Certificate
$0
3.75% ▲ 0.62% above South Dakota avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
6 Month Certificate Accounts
$0
3.75% ▲ 0.62% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
6 Month Share Certificates
$0
3.75% ▲ 0.62% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Balance: $5,000

Rate History
2 changes since Sep 20, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 20, 2026: 3.40% APYOct 4, 2026: 3.60% APYOct 12, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.60%
  • Oct 4, 20263.60%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 6 Month
$0
3.75% ▲ 0.62% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
6 Month Certificate Accounts
$0
3.70% ▲ 0.57% above South Dakota avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.57% above avgNationally 2.78%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
6 Month Share Certificate
$0
3.68% ▲ 0.55% above South Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.55% above avgNationally 2.78%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 7 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 6 Month CD
$0
3.50% ▲ 0.37% above South Dakota avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
6 Month Certificate
$500
3.40% ▲ 0.27% above South Dakota avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▲ 0.27% above avgNationally 2.78%
Details

Honors Rate: 3.45%; Platinum Rate: 3.60%

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
6 Month Certificate of Deposit
$0
3.38% ▲ 0.25% above South Dakota avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.13%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
2.88%3.38%3.88%Oct 7, 2026: 3.38% APYOct 7, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
6 MONTH CD
$30,000
3.33% ▲ 0.20% above South Dakota avg
View
▼
Rate3.30%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 0.20% above avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 3.33% APY · checked 9 times
2.83%3.33%3.83%Sep 8, 2026: 3.33% APYSep 8, 2026Oct 13, 2026
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
5105 S Crossing Pl, Sioux Falls, SD 57108
6 Month Certificate
$500
3.29% ▲ 0.16% above South Dakota avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▲ 0.16% above avgNationally 2.78%
Details

Personal Accounts: Apply Online; Business Accounts: Apply Online

Rate History
No change since Oct 7, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 7, 2026: 3.29% APYOct 7, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
6 MONTH CERTIFICATE
$2,500
3.28% ▲ 0.15% above South Dakota avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▲ 0.15% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.28% APY · checked 4 times
2.78%3.28%3.78%Sep 30, 2026: 3.28% APYSep 30, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
6 Month Certificate of Deposit Accounts
$0
3.25% ▲ 0.12% above South Dakota avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▲ 0.12% above avgNationally 2.78%
Details

Compounded Quarterly; APY range: 3.22 / 3.25%*

Rate History
1 change since Sep 20, 2026 · 3.22% → 3.25% ▲ 0.03 pts · high 3.25% / low 3.22%
2.72%3.24%3.75%Sep 20, 2026: 3.22% APYOct 12, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.25%▲ from 3.22%
  • Sep 20, 20263.22%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
6 MONTH CD
$500
3.12% ▼ 0.01% below South Dakota avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 0.01% below avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 3.12% APY · checked 9 times
2.62%3.12%3.62%Sep 8, 2026: 3.12% APYSep 8, 2026Oct 13, 2026
Minnwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
401 Maple St, Summit, SD 57266
6 Month Digital CD
$1,000
3.07% ▼ 0.06% below South Dakota avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 0.06% below avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.87% → 3.07% ▲ 0.20 pts · high 3.07% / low 2.87%
2.37%2.97%3.57%Sep 14, 2026: 2.87% APYSep 24, 2026: 3.07% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.07%▲ from 2.87%
  • Sep 14, 20262.87%first recorded
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
220 S Harth Ave, Madison, SD 57042 2916
3 & 6-Month Term Share Certificates
$0
3.04% ▼ 0.09% below South Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.13%▼ 0.09% below avgNationally 2.78%
Details

Balance: $50+; Rates effective as of April 7, 2026

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
6 Month Certificate
$0
3.00% ▼ 0.13% below South Dakota avg
View
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 0.13% below avgNationally 2.78%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
6 Month TRIPLE OPTION CD
$0
3.00% ▼ 0.13% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 0.13% below avgNationally 2.78%
Details

APY: 3.00% (2.98%)

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
6 Month Share Certificate
$500
3.00% ▼ 0.13% below South Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▼ 0.13% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Dividends

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
6 Month Certificate of Deposit
$0
2.75% ▼ 0.38% below South Dakota avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▼ 0.38% below avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
6 Month Share Certificates
$0
2.30% ▼ 0.83% below South Dakota avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.13%▼ 0.83% below avgNationally 2.78%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 2.30% APY
1.80%2.30%2.80%Oct 13, 2026: 2.30% APYOct 13, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
6 MONTH CERTIFICATE
$1,000
1.51% ▼ 1.62% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.13%▼ 1.62% below avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 25, 2026: 1.51% APYSep 25, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
6 month CD
$0
0.90% ▼ 2.23% below South Dakota avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 2.23% below avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 0.90% APY · checked 5 times
0.40%0.90%1.40%Sep 24, 2026: 0.90% APYSep 24, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
6 Month Share Certificates
$250
0.75% ▼ 2.38% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.13%▼ 2.38% below avgNationally 2.78%
Details

$25,001 - $250,000; Balance: $25,001 - $250,000

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 6 Month
$25,000
0.20% ▼ 2.93% below South Dakota avg
View
▼
Rate0.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▼ 2.93% below avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 6, 2026: 0.20% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 6 Month
$250
0.15% ▼ 2.98% below South Dakota avg
View
▼
Rate0.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▼ 2.98% below avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.07% below South Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 3.07% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.07% below South Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 3.07% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.08% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.13%▼ 3.08% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
6 Month IRA Certificates
$0
0.05% ▼ 3.08% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▼ 3.08% below avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
6 Month Standard CD
$0
0.05% ▼ 3.08% below South Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.13%▼ 3.08% below avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

South Dakota 12 Month CD Rates

MonitorBankRates South Dakota Average · 12 Month CD3.29% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in South Dakota is 3.29% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
12 MONTH CD
$500,000
4.60% ▲ 1.31% above South Dakota avg
View
▼
Rate4.60%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 1.31% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.40% APYSep 24, 2026: 4.50% APYOct 2, 2026: 4.60% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.60%▲ from 4.50%
  • Sep 24, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%▲ from 4.20%
  • Sep 8, 20264.20%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
12 MONTH CD
$99,000
4.40% ▲ 1.11% above South Dakota avg
View
▼
Rate4.40%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 1.11% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 8, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 8, 2026: 4.05% APYSep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYOct 2, 2026: 4.40% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 4.30%
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%▲ from 4.05%
  • Sep 8, 20264.05%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
IRA 12 MONTH
$100
4.24% ▲ 0.95% above South Dakota avg
View
▼
Rate4.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.95% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.63% → 4.24% ▲ 0.61 pts · high 4.24% / low 3.63%
3.02%3.94%4.85%Sep 8, 2026: 3.63% APYSep 18, 2026: 4.04% APYOct 2, 2026: 4.24% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.24%▲ from 4.04%
  • Sep 18, 20264.04%▲ from 3.63%
  • Sep 8, 20263.63%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
12 MONTH CD
$70,000
4.20% ▲ 0.91% above South Dakota avg
View
▼
Rate4.20%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.91% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.60% → 4.20% ▲ 0.60 pts · high 4.20% / low 3.60%
3.00%3.90%4.80%Sep 8, 2026: 3.60% APYSep 18, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
1 Year Certificate
$500
4.10% ▲ 0.81% above South Dakota avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
12 Month Certificate
$0
4.06% ▲ 0.77% above South Dakota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.77% above avgNationally 2.99%
Details

Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026

Rate History
1 change since Sep 17, 2026 · 2.01% → 4.06% ▲ 2.05 pts · high 4.06% / low 2.01%
0.00%3.05%6.11%Sep 17, 2026: 2.01% APYSep 25, 2026: 4.06% APYSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.06%▲ from 2.01%
  • Sep 17, 20262.01%first recorded
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
12 Month CD Special
$50,000
4.05% ▲ 0.76% above South Dakota avg
View
▼
Rate3.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 4.01% → 4.05% ▲ 0.04 pts · high 4.05% / low 4.01%
3.51%4.03%4.55%Sep 27, 2026: 4.01% APYOct 7, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 4.01%
  • Sep 27, 20264.01%first recorded
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit - 12 Month
$0
4.05% ▲ 0.76% above South Dakota avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.05% ▲ 0.04 pts · high 4.05% / low 4.01%
3.51%4.03%4.55%Sep 14, 2026: 4.01% APYOct 7, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
12 MONTH CD
$30,000
4.00% ▲ 0.71% above South Dakota avg
View
▼
Rate4.00%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 8, 2026: 3.40% APYSep 18, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.40%
  • Sep 8, 20263.40%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Certificate 12 Months
$1,000
4.00% ▲ 0.71% above South Dakota avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.00% ▲ 0.09 pts · high 4.00% / low 3.91%
3.41%3.96%4.50%Sep 14, 2026: 3.91% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
IRA 12 Months
$1,000
4.00% ▲ 0.71% above South Dakota avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.00% ▲ 0.09 pts · high 4.00% / low 3.91%
3.41%3.96%4.50%Sep 18, 2026: 3.91% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
12 Month Share Certificates
$0
4.00% ▲ 0.71% above South Dakota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
12-Month Certificate
$100
4.00% ▲ 0.71% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
12 Month Share Certificates
$0
3.90% ▲ 0.61% above South Dakota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500

Rate History
2 changes since Sep 20, 2026 · 2.90% → 3.90% ▲ 1.00 pts · high 3.90% / low 2.90%
1.90%3.40%4.90%Sep 20, 2026: 2.90% APYOct 4, 2026: 3.10% APYOct 12, 2026: 3.90% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.90%▲ from 3.10%
  • Oct 4, 20263.10%▲ from 2.90%
  • Sep 20, 20262.90%first recorded
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
5105 S Crossing Pl, Sioux Falls, SD 57108
12 Month Certificate
$500
3.80% ▲ 0.51% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.51% above avgNationally 2.99%
Details

Personal Accounts: Apply Online; Business Accounts: Apply Online

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
12 Month Share Certificate
$0
3.78% ▲ 0.49% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.49% above avgNationally 2.99%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
12 Month Certificate of Deposit
$1,000
3.75% ▲ 0.46% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.46% above avgNationally 2.99%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
12 Month Certificate
$0
3.75% ▲ 0.46% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.46% above avgNationally 2.99%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
12 Month TRIPLE OPTION CD
$0
3.75% ▲ 0.46% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 12 Month
$0
3.75% ▲ 0.46% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.46% above avgNationally 2.99%
Details

Tier 2; Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 12 Month
$0
3.65% ▲ 0.36% above South Dakota avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.36% above avgNationally 2.99%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 13, 2026
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 12 Month CD
$0
3.60% ▲ 0.31% above South Dakota avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.31% above avgNationally 2.99%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
12 Month Certificate
$500
3.55% ▲ 0.26% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▲ 0.26% above avgNationally 2.99%
Details

Honors Rate: 3.60%; Platinum Rate: 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.65% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
12 Month IRA Share Certificate
$500
3.55% ▲ 0.26% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▲ 0.26% above avgNationally 2.99%
Details

Rate History
1 change since Oct 1, 2026 · 3.56% → 3.55% ▼ 0.01 pts · high 3.56% / low 3.55%
3.05%3.55%4.06%Oct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYOct 1, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
1 YEAR CERTIFICATE
$500
3.55% ▲ 0.26% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▲ 0.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 13, 2026
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2990 E HIGHWAY 44, Rapid City, SD 57703
12 Month Share Certificates
$500
3.50% ▲ 0.21% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.21% above avgNationally 2.99%
Details

Rate Description: $500 Minimum; Dividend Rate as of 10/31/2014

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
1 Year Certificate of Deposit
$0
3.44% ▲ 0.15% above South Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.29%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 7, 2026: 3.44% APYOct 7, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
12 MONTH CD
$500
3.40% ▲ 0.11% above South Dakota avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▲ 0.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 8, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
2.70%3.30%3.90%Sep 8, 2026: 3.20% APYSep 18, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
  • Sep 18, 20263.40%▲ from 3.20%
  • Sep 8, 20263.20%first recorded
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
225 S Minnesota Ave, Sioux Falls, SD 57104
12-Month CD
$500
3.35% ▲ 0.06% above South Dakota avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.29%▲ 0.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
12 Month Certificate of Deposit Accounts
$0
3.30% ▲ 0.01% above South Dakota avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.01% above avgNationally 2.99%
Details

Compounded Quarterly; APY range: 3.26 / 3.30%*

Rate History
1 change since Sep 20, 2026 · 3.26% → 3.30% ▲ 0.04 pts · high 3.30% / low 3.26%
2.76%3.28%3.80%Sep 20, 2026: 3.26% APYOct 12, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.26%
  • Sep 20, 20263.26%first recorded
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
12 MO VARIABLE SHARE CERT
$1,000
3.30% ▲ 0.01% above South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
375 3rd St SW, Huron, SD 57350 1945
12 Month Certificates
$500
3.25% ▼ 0.04% below South Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▼ 0.04% below avgNationally 2.99%
Details

dividends annually

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
12 Month Certificate Accounts
$0
3.15% ▼ 0.14% below South Dakota avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 0.14% below avgNationally 2.99%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
12 Month Certificate Accounts
$0
3.10% ▼ 0.19% below South Dakota avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 0.19% below avgNationally 2.99%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
12 Month Certificate Accounts
$0
3.05% ▼ 0.24% below South Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 0.24% below avgNationally 2.99%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
12 Month Certificate of Deposit
$0
3.00% ▼ 0.29% below South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 0.29% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
220 S Harth Ave, Madison, SD 57042 2916
12-Month Term Share Certificate
$0
2.53% ▼ 0.76% below South Dakota avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.29%▼ 0.76% below avgNationally 2.99%
Details

Balance: $50+

Rate History
No change since Sep 21, 2026 · 2.53% APY · checked 7 times
2.03%2.53%3.03%Sep 21, 2026: 2.53% APYSep 21, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
12 MONTH CERTIFICATE
$1,000
2.02% ▼ 1.27% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 1.27% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 25, 2026: 2.02% APYSep 25, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
12 Month Share Certificate
$500
2.00% ▼ 1.29% below South Dakota avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 1.29% below avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Dividends

Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
12 Month CD
$0
1.70% ▼ 1.59% below South Dakota avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▼ 1.59% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 1.70% APY · checked 5 times
1.20%1.70%2.20%Sep 24, 2026: 1.70% APYSep 24, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.78% below South Dakota avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▼ 1.78% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.78% below South Dakota avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▼ 1.78% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3201 N 4th Ave, Sioux Falls, SD 57104
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.79% below South Dakota avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.29%▼ 1.79% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
12 Month Savers Certificate
$100
1.00% ▼ 2.29% below South Dakota avg
View
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.29%▼ 2.29% below avgNationally 2.99%
Details

Effective as of March 18, 2026

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
12 Month IRA Certificates
$0
0.75% ▼ 2.54% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▼ 2.54% below avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
12 Month Standard CD
$0
0.75% ▼ 2.54% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▼ 2.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 1 Year
$25,000
0.30% ▼ 2.99% below South Dakota avg
View
▼
Rate0.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▼ 2.99% below avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 6, 2026: 0.30% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 1 Year
$100
0.25% ▼ 3.04% below South Dakota avg
View
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.29%▼ 3.04% below avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 6, 2026: 0.25% APYOct 6, 2026Oct 13, 2026

South Dakota 18 Month CD Rates

MonitorBankRates South Dakota Average · 18 Month CD3.22% APY▲ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in South Dakota is 3.22% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
18 Month Certificate Special
$2,500
4.30% ▲ 1.08% above South Dakota avg
View
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.22%▲ 1.08% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 8, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 8, 2026: 4.00% APYSep 18, 2026: 4.10% APYSep 24, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 8, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 24, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%▲ from 4.00%
  • Sep 8, 20264.00%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
18 Month Certificate
$500
4.20% ▲ 0.98% above South Dakota avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.22%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
BankStar Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
124 Elk St, Elkton, SD 57026
18 Month CD Specials
$0
4.01% ▲ 0.79% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.22%▲ 0.79% above avgNationally 2.87%
Details

Annual Percentage Yield is accurate as of September 21, 2026. Penalty for early withdrawal. Institutional or Public Funds not eligible.

Rate History
No change since Oct 10, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 10, 2026: 4.01% APYOct 10, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
18-Month Certificate
$100
4.00% ▲ 0.78% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.22%▲ 0.78% above avgNationally 2.87%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
18 Month Certificate of Deposit
$1,000
3.75% ▲ 0.53% above South Dakota avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.22%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 18 Month
$0
3.75% ▲ 0.53% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▲ 0.53% above avgNationally 2.87%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 18 Month CD
$0
3.70% ▲ 0.48% above South Dakota avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▲ 0.48% above avgNationally 2.87%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
18 Month Certificate
$0
3.65% ▲ 0.43% above South Dakota avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.22%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
18 MONTH CERTIFICATE
$500
3.55% ▲ 0.33% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.22%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 13, 2026
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
18 Month Share Certificate
$0
3.53% ▲ 0.31% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▲ 0.31% above avgNationally 2.87%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
18 Month Certificate of Deposit Accounts
$0
3.40% ▲ 0.18% above South Dakota avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▲ 0.18% above avgNationally 2.87%
Details

Compounded Quarterly; APY range: 3.36 / 3.40%*

Rate History
1 change since Sep 20, 2026 · 3.36% → 3.40% ▲ 0.04 pts · high 3.40% / low 3.36%
2.86%3.38%3.90%Sep 20, 2026: 3.36% APYOct 12, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.40%▲ from 3.36%
  • Sep 20, 20263.36%first recorded
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
18 Month Certificate of Deposit
$0
3.00% ▼ 0.22% below South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.22% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
18 Month Share Certificates
$0
2.60% ▼ 0.62% below South Dakota avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.62% below avgNationally 2.87%
Details

Balance: $500

Rate History
1 change since Sep 20, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
1.90%2.50%3.10%Sep 20, 2026: 2.40% APYOct 4, 2026: 2.60% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.60%▲ from 2.40%
  • Sep 20, 20262.40%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
18 Month Share Certificates
$0
2.45% ▼ 0.77% below South Dakota avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.77% below avgNationally 2.87%
Details

Balance: $5,000

Rate History
1 change since Sep 20, 2026 · 2.25% → 2.45% ▲ 0.20 pts · high 2.45% / low 2.25%
1.75%2.35%2.95%Sep 20, 2026: 2.25% APYOct 4, 2026: 2.45% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.45%▲ from 2.25%
  • Sep 20, 20262.25%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
18 Month Share Certificates
$0
2.35% ▼ 0.87% below South Dakota avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.87% below avgNationally 2.87%
Details

Balance: $50,000

Rate History
1 change since Sep 20, 2026 · 2.15% → 2.35% ▲ 0.20 pts · high 2.35% / low 2.15%
1.65%2.25%2.85%Sep 20, 2026: 2.15% APYOct 4, 2026: 2.35% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.35%▲ from 2.15%
  • Sep 20, 20262.15%first recorded
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
18 MONTH CERTIFICATE
$1,000
2.27% ▼ 0.95% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.95% below avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 25, 2026: 2.27% APYSep 25, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
18 Month Certificate
$0
2.27% ▼ 0.95% below South Dakota avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.95% below avgNationally 2.87%
Details

Balance: $10,000.01 - $50,000.00; Effective as of September 23, 2026

Rate History
1 change since Sep 12, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
1.75%2.26%2.77%Sep 12, 2026: 2.25% APYSep 17, 2026: 2.27% APYSep 12, 2026Oct 13, 2026
  • Sep 17, 20262.27%▲ from 2.25%
  • Sep 12, 20262.25%first recorded
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
18 Month Certificate
$0
2.25% ▼ 0.97% below South Dakota avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 0.97% below avgNationally 2.87%
Details

Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
18 Month Share Certificate
$1,000
1.75% ▼ 1.47% below South Dakota avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.22%▼ 1.47% below avgNationally 2.87%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
18 Month IRA Certificates
$0
0.75% ▼ 2.47% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.22%▼ 2.47% below avgNationally 2.87%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
18 Month Standard CD
$0
0.75% ▼ 2.47% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.22%▼ 2.47% below avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

South Dakota 24 Month CD Rates

MonitorBankRates South Dakota Average · 24 Month CD3.05% APY▲ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in South Dakota is 3.05% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
24 MONTH CD
$50,000
5.00% ▲ 1.95% above South Dakota avg
View
▼
Rate5.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.95% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.80% APYOct 2, 2026: 5.00% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 18, 20264.80%▲ from 4.30%
  • Sep 8, 20264.30%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
24 MONTH CD
$99,000
4.80% ▲ 1.75% above South Dakota avg
View
▼
Rate4.80%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.75% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 8, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 8, 2026: 4.15% APYSep 18, 2026: 4.50% APYSep 27, 2026: 4.60% APYOct 2, 2026: 4.80% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.80%▲ from 4.60%
  • Sep 27, 20264.60%▲ from 4.50%
  • Sep 18, 20264.50%▲ from 4.15%
  • Sep 8, 20264.15%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
IRA 24 MONTH
$100
4.55% ▲ 1.50% above South Dakota avg
View
▼
Rate4.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.50% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.84% → 4.55% ▲ 0.71 pts · high 4.55% / low 3.84%
3.13%4.20%5.26%Sep 8, 2026: 3.84% APYSep 18, 2026: 4.24% APYOct 2, 2026: 4.55% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.55%▲ from 4.24%
  • Sep 18, 20264.24%▲ from 3.84%
  • Sep 8, 20263.84%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
24 MONTH CD
$70,000
4.50% ▲ 1.45% above South Dakota avg
View
▼
Rate4.50%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.45% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.80% → 4.50% ▲ 0.70 pts · high 4.50% / low 3.80%
3.10%4.15%5.20%Sep 8, 2026: 3.80% APYSep 18, 2026: 4.20% APYOct 2, 2026: 4.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%▲ from 3.80%
  • Sep 8, 20263.80%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
2 Year Certificate
$500
4.25% ▲ 1.20% above South Dakota avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
24 MONTH CD
$30,000
4.20% ▲ 1.15% above South Dakota avg
View
▼
Rate4.20%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.15% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
2.80%3.85%4.90%Sep 8, 2026: 3.50% APYSep 18, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
401 3rd Ave, Martin, SD 57551
24 Month Flex CD Account
$0
4.06% ▲ 1.01% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 18, 2026: 3.29% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.06%▲ from 3.29%
  • Sep 18, 20263.29%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
320 S Phillips Ave, Sioux Falls, SD 57104
24 Month CD
$0
4.00% ▲ 0.95% above South Dakota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
24-Month Certificate
$100
4.00% ▲ 0.95% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 24 Month
$0
3.75% ▲ 0.70% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.70% above avgNationally 2.88%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
24 Month Certificate
$500
3.65% ▲ 0.60% above South Dakota avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▲ 0.60% above avgNationally 2.88%
Details

Honors Rate: 3.69%; Platinum Rate: 3.84%

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
24 Month IRA Share Certificate
$500
3.65% ▲ 0.60% above South Dakota avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Oct 1, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 1, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
2 Year Certificate of Deposit
$0
3.55% ▲ 0.50% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.05%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Certificate 24 Months
$1,000
3.55% ▲ 0.50% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.05%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
IRA 24 Months
$1,000
3.55% ▲ 0.50% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.05%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
2 YEAR SHARE CERTIFICATE
$500
3.55% ▲ 0.50% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
24 Month Certificate of Deposit
$1,000
3.50% ▲ 0.45% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 0.45% above avgNationally 2.88%
Details

Rate History
1 change since Sep 8, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 8, 2026: 3.40% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.40%
  • Sep 8, 20263.40%first recorded
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 24 Month CD
$0
3.50% ▲ 0.45% above South Dakota avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.45% above avgNationally 2.88%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
24 Month Share Certificates
$0
3.50% ▲ 0.45% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.05%▲ 0.45% above avgNationally 2.88%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
225 S Minnesota Ave, Sioux Falls, SD 57104
24-Month CD
$500
3.45% ▲ 0.40% above South Dakota avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.05%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
24 Month Share Certificate
$0
3.33% ▲ 0.28% above South Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.28% above avgNationally 2.88%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
24 MONTH CD
$500
3.30% ▲ 0.25% above South Dakota avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▲ 0.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
24 Month Certificate of Deposit Accounts
$0
3.30% ▲ 0.25% above South Dakota avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.25% above avgNationally 2.88%
Details

Compounded Quarterly; APY range: 3.26 / 3.30% *

Rate History
1 change since Sep 20, 2026 · 3.26% → 3.30% ▲ 0.04 pts · high 3.30% / low 3.26%
2.76%3.28%3.80%Sep 20, 2026: 3.26% APYOct 12, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.26%
  • Sep 20, 20263.26%first recorded
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
24 Month Certificate
$0
3.25% ▲ 0.20% above South Dakota avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.05%▲ 0.20% above avgNationally 2.88%
Details

Apply Now

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
24 Month Certificate Accounts
$0
3.13% ▲ 0.08% above South Dakota avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.08% above avgNationally 2.88%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
24 Month Certificate Accounts
$0
3.07% ▲ 0.02% above South Dakota avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▲ 0.02% above avgNationally 2.88%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 5 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
24 Month Certificate Accounts
$0
3.05% At South Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%At the averageNationally 2.88%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
24 Month Certificate of Deposit
$0
3.00% ▼ 0.05% below South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.05% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85% ▼ 0.20% below South Dakota avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.20% below avgNationally 2.88%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 8, 2026: 2.85% APYOct 8, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month Certificate
$0
2.80% ▼ 0.25% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 0.25% below avgNationally 2.88%
Details

Balance: $75,000 and over

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month TRIPLE OPTION CD
$0
2.80% ▼ 0.25% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 0.25% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Sep 19, 2026: 2.80% APYSep 19, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
24 MONTH CERTIFICATE
$1,000
2.53% ▼ 0.52% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 2.53% APY · checked 4 times
2.03%2.53%3.03%Sep 25, 2026: 2.53% APYSep 25, 2026Oct 13, 2026
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
220 S Harth Ave, Madison, SD 57042 2916
18 & 24-Month Term Share Certificate
$0
2.53% ▼ 0.52% below South Dakota avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.05%▼ 0.52% below avgNationally 2.88%
Details

Balance: $50+; $250 min. to open for 1 tier; Certificates auto-renew; Dividends compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 13, 2026: 2.53% APYOct 13, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
100 W 7th Street, Platte, SD 57369
24 Month Certificate
$0
2.52% ▼ 0.53% below South Dakota avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.53% below avgNationally 2.88%
Details

Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026

Rate History
No change since Sep 17, 2026 · 2.52% APY · checked 7 times
2.02%2.52%3.02%Sep 17, 2026: 2.52% APYSep 17, 2026Oct 13, 2026
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
24 Month Share Certificates
$0
2.40% ▼ 0.65% below South Dakota avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.65% below avgNationally 2.88%
Details

Balance: $50,000

Rate History
1 change since Sep 20, 2026 · 2.20% → 2.40% ▲ 0.20 pts · high 2.40% / low 2.20%
1.70%2.30%2.90%Sep 20, 2026: 2.20% APYOct 4, 2026: 2.40% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.40%▲ from 2.20%
  • Sep 20, 20262.20%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
24 Month Share Certificates
$0
2.35% ▼ 0.70% below South Dakota avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.70% below avgNationally 2.88%
Details

Balance: $5,000

Rate History
1 change since Sep 20, 2026 · 2.15% → 2.35% ▲ 0.20 pts · high 2.35% / low 2.15%
1.65%2.25%2.85%Sep 20, 2026: 2.15% APYOct 4, 2026: 2.35% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.35%▲ from 2.15%
  • Sep 20, 20262.15%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
24 Month Share Certificates
$0
2.30% ▼ 0.75% below South Dakota avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.75% below avgNationally 2.88%
Details

Balance: $500

Rate History
1 change since Sep 20, 2026 · 2.10% → 2.30% ▲ 0.20 pts · high 2.30% / low 2.10%
1.60%2.20%2.80%Sep 20, 2026: 2.10% APYOct 4, 2026: 2.30% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.30%▲ from 2.10%
  • Sep 20, 20262.10%first recorded
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2990 E HIGHWAY 44, Rapid City, SD 57703
24 Month Share Certificates
$500
2.20% ▼ 0.85% below South Dakota avg
View
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 0.85% below avgNationally 2.88%
Details

Rate Description: $500 Minimum; Dividend Rate as of 10/31/2014

Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 25, 2026: 2.20% APYSep 25, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month Certificate
$0
2.05% ▼ 1.00% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 1.00% below avgNationally 2.88%
Details

Balance: $25,000 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month TRIPLE OPTION CD
$0
2.05% ▼ 1.00% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 1.00% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 2.05% APY · checked 2 times
1.55%2.05%2.55%Sep 19, 2026: 2.05% APYSep 19, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
24 Month Certificate of Deposit
$0
1.96% ▼ 1.09% below South Dakota avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.05%▼ 1.09% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 1.96% APY · checked 5 times
1.46%1.96%2.46%Sep 24, 2026: 1.96% APYSep 24, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit - 24 Month
$0
1.96% ▼ 1.09% below South Dakota avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.05%▼ 1.09% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 3 times
1.46%1.96%2.46%Sep 14, 2026: 1.96% APYSep 14, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
24 Month Rate Option
$0
1.65% ▼ 1.40% below South Dakota avg
View
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 1.40% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 5 times
1.15%1.65%2.15%Sep 24, 2026: 1.65% APYSep 24, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
24 Month Share Certificate
$5,000
1.50% ▼ 1.55% below South Dakota avg
View
▼
Rate1.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.05%▼ 1.55% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 20, 2026: 1.50% APYSep 20, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month Certificate
$0
1.05% ▼ 2.00% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 2.00% below avgNationally 2.88%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 7 times
0.55%1.05%1.55%Sep 14, 2026: 1.05% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
24 Month TRIPLE OPTION CD
$0
1.05% ▼ 2.00% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average3.05%▼ 2.00% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Sep 19, 2026: 1.05% APYSep 19, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
24 Month IRA Certificates
$0
0.75% ▼ 2.30% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▼ 2.30% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
24 Month Standard CD
$0
0.75% ▼ 2.30% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▼ 2.30% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 2 Year
$25,000
0.55% ▼ 2.50% below South Dakota avg
View
▼
Rate0.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▼ 2.50% below avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 6, 2026: 0.55% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 2 Year
$100
0.50% ▼ 2.55% below South Dakota avg
View
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average3.05%▼ 2.55% below avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 6, 2026: 0.50% APYOct 6, 2026Oct 13, 2026

South Dakota 36 Month CD Rates

MonitorBankRates South Dakota Average · 36 Month CD2.91% APY▼ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in South Dakota is 2.91% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
IRA 36 MONTH
$100
4.96% ▲ 2.05% above South Dakota avg
View
▼
Rate4.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▲ 2.05% above avgNationally 2.81%
Details

Rate History
5 changes since Sep 8, 2026 · 4.24% → 4.96% ▲ 0.72 pts · high 5.06% / low 4.24%
3.42%4.65%5.88%Sep 8, 2026: 4.24% APYSep 18, 2026: 4.55% APYSep 24, 2026: 4.65% APYSep 27, 2026: 4.76% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.76%
  • Sep 27, 20264.76%▲ from 4.65%
  • Sep 24, 20264.65%▲ from 4.55%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
36 MONTH CD
$500
4.90% ▲ 1.99% above South Dakota avg
View
▼
Rate4.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▲ 1.99% above avgNationally 2.81%
Details

Rate History
5 changes since Sep 8, 2026 · 4.20% → 4.90% ▲ 0.70 pts · high 5.00% / low 4.20%
3.40%4.60%5.80%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.50% APYSep 24, 2026: 4.60% APYSep 27, 2026: 4.70% APYOct 2, 2026: 5.00% APYOct 7, 2026: 4.90% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.90%▼ from 5.00%
  • Oct 2, 20265.00%▲ from 4.70%
  • Sep 27, 20264.70%▲ from 4.60%
  • Sep 24, 20264.60%▲ from 4.50%
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
3 Year Certificate
$500
4.30% ▲ 1.39% above South Dakota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▲ 1.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
36-Month Certificate
$0
4.00% ▲ 1.09% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 36 Month
$0
3.75% ▲ 0.84% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.84% above avgNationally 2.81%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
36 Month Certificate
$500
3.65% ▲ 0.74% above South Dakota avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▲ 0.74% above avgNationally 2.81%
Details

Honors Rate: 3.69%; Platinum Rate: 3.84%

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.70% APYOct 1, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.65%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
36 Month IRA Share Certificate
$500
3.65% ▲ 0.74% above South Dakota avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 1, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
3 Year Certificate of Deposit
$0
3.60% ▲ 0.69% above South Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.91%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Certificate 36 Months
$1,000
3.55% ▲ 0.64% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.91%▲ 0.64% above avgNationally 2.81%
Details

One Bump - Up per Term

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
IRA 36 Months
$1,000
3.55% ▲ 0.64% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.91%▲ 0.64% above avgNationally 2.81%
Details

One Bump - Up per Term

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
3 YEAR SHARE CERTIFICATE
$500
3.55% ▲ 0.64% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.59% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 8, 2026: 3.30% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.30%
  • Sep 8, 20263.30%first recorded
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
36 Month Certificate
$0
3.50% ▲ 0.59% above South Dakota avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
36 Month Share Certificates
$0
3.50% ▲ 0.59% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 36 Month CD
$0
3.25% ▲ 0.34% above South Dakota avg
View
▼
Rate3.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.34% above avgNationally 2.81%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
36 Month Certificate Accounts
$0
3.23% ▲ 0.32% above South Dakota avg
View
▼
Rate3.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.32% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 5 times
2.73%3.23%3.73%Sep 14, 2026: 3.23% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
36 Month Certificate Accounts
$0
3.18% ▲ 0.27% above South Dakota avg
View
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.27% above avgNationally 2.81%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 5 times
2.68%3.18%3.68%Sep 14, 2026: 3.18% APYSep 14, 2026Oct 13, 2026
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
36 Month Share Certificate
$0
3.17% ▲ 0.26% above South Dakota avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.26% above avgNationally 2.81%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 7 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
36 Month Certificate of Deposit Accounts
$0
3.15% ▲ 0.24% above South Dakota avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.24% above avgNationally 2.81%
Details

Compounded Quarterly; APY range: 3.12 / 3.15%*

Rate History
1 change since Sep 20, 2026 · 3.12% → 3.15% ▲ 0.03 pts · high 3.15% / low 3.12%
2.62%3.14%3.65%Sep 20, 2026: 3.12% APYOct 12, 2026: 3.15% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.15%▲ from 3.12%
  • Sep 20, 20263.12%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
36 Month Certificate Accounts
$0
3.13% ▲ 0.22% above South Dakota avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.22% above avgNationally 2.81%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% APYSep 14, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
36 Month Certificate of Deposit
$0
3.00% ▲ 0.09% above South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.09% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
36 Month Share Certificates
$0
3.00% ▲ 0.09% above South Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.09% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
1 change since Sep 20, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80%
2.30%2.90%3.50%Sep 20, 2026: 2.80% APYOct 4, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.00%▲ from 2.80%
  • Sep 20, 20262.80%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
36 Month Share Certificates
$0
2.95% ▲ 0.04% above South Dakota avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▲ 0.04% above avgNationally 2.81%
Details

Balance: $5,000

Rate History
1 change since Sep 20, 2026 · 2.75% → 2.95% ▲ 0.20 pts · high 2.95% / low 2.75%
2.25%2.85%3.45%Sep 20, 2026: 2.75% APYOct 4, 2026: 2.95% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.95%▲ from 2.75%
  • Sep 20, 20262.75%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
212 W Hickory St, Sisseton, SD 57262 1826
36 Month Share Certificates
$0
2.90% ▼ 0.01% below South Dakota avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▼ 0.01% below avgNationally 2.81%
Details

Balance: $500

Rate History
1 change since Sep 20, 2026 · 2.70% → 2.90% ▲ 0.20 pts · high 2.90% / low 2.70%
2.20%2.80%3.40%Sep 20, 2026: 2.70% APYOct 4, 2026: 2.90% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20262.90%▲ from 2.70%
  • Sep 20, 20262.70%first recorded
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month Certificate
$0
2.85% ▼ 0.06% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 0.06% below avgNationally 2.81%
Details

Balance: $75,000 and over

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month TRIPLE OPTION CD
$0
2.85% ▼ 0.06% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 0.06% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 19, 2026: 2.85% APYSep 19, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
36 MONTH CERTIFICATE
$1,000
2.63% ▼ 0.28% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▼ 0.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.63% APY · checked 4 times
2.13%2.63%3.13%Sep 25, 2026: 2.63% APYSep 25, 2026Oct 13, 2026
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2990 E HIGHWAY 44, Rapid City, SD 57703
36 Month Share Certificates
$500
2.20% ▼ 0.71% below South Dakota avg
View
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▼ 0.71% below avgNationally 2.81%
Details

Rate Description: $500 Minimum; Dividend Rate as of 10/31/2014

Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 25, 2026: 2.20% APYSep 25, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month Certificate
$0
2.10% ▼ 0.81% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 0.81% below avgNationally 2.81%
Details

Balance: $25,000 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month TRIPLE OPTION CD
$0
2.10% ▼ 0.81% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 0.81% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 19, 2026: 2.10% APYSep 19, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit - 36 Month
$0
1.96% ▼ 0.95% below South Dakota avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.91%▼ 0.95% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 3 times
1.46%1.96%2.46%Sep 14, 2026: 1.96% APYSep 14, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
36 Month Variable IRA
$0
1.75% ▼ 1.16% below South Dakota avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 1.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 24, 2026: 1.75% APYSep 24, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
36 Month Share Certificate
$5,000
1.25% ▼ 1.66% below South Dakota avg
View
▼
Rate1.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.91%▼ 1.66% below avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month Certificate
$0
1.10% ▼ 1.81% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 1.81% below avgNationally 2.81%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
36 Month TRIPLE OPTION CD
$0
1.10% ▼ 1.81% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.91%▼ 1.81% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Sep 19, 2026: 1.10% APYSep 19, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 3 Year
$25,000
0.85% ▼ 2.06% below South Dakota avg
View
▼
Rate0.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▼ 2.06% below avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 6, 2026: 0.85% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 3 Year
$100
0.80% ▼ 2.11% below South Dakota avg
View
▼
Rate0.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▼ 2.11% below avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 6, 2026: 0.80% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
36 Month IRA Certificates
$0
0.75% ▼ 2.16% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▼ 2.16% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
36 Month Standard CD
$0
0.75% ▼ 2.16% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.91%▼ 2.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

South Dakota 48 Month CD Rates

MonitorBankRates South Dakota Average · 48 Month CD2.88% APY▲ 0.03% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in South Dakota is 2.88% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
4 Year Certificate
$500
4.30% ▲ 1.42% above South Dakota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▲ 1.42% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
48-Month Certificate
$100
4.00% ▲ 1.12% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▲ 1.12% above avgNationally 2.80%
Details

Balance: $100.00 to $499.99 **

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
4956 5th St, Rapid City, SD 57701
12 - 48 Month Share Certificate
$0
3.85% ▲ 0.97% above South Dakota avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▲ 0.97% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
4 YEAR SHARE CERTIFICATE
$500
3.80% ▲ 0.92% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▲ 0.92% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 48 Month
$0
3.75% ▲ 0.87% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▲ 0.87% above avgNationally 2.80%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
127 Main St, Faith, SD 57626
4 Year Certificate of Deposit
$0
3.60% ▲ 0.72% above South Dakota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.88%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
48 Month Certificate
$500
3.60% ▲ 0.72% above South Dakota avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▲ 0.72% above avgNationally 2.80%
Details

Honors Rate: 3.64%; Platinum Rate: 3.79%

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 1, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
48 Month IRA Share Certificate
$500
3.60% ▲ 0.72% above South Dakota avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Oct 1, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 1, 2026: 3.60% APYOct 1, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Certificate 48 Months
$1,000
3.55% ▲ 0.67% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.88%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
IRA 48 Months
$1,000
3.55% ▲ 0.67% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.88%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.62% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▲ 0.62% above avgNationally 2.80%
Details

Rate History
1 change since Sep 8, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 8, 2026: 3.15% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.15%
  • Sep 8, 20263.15%first recorded
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 48 Month CD
$0
3.15% ▲ 0.27% above South Dakota avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▲ 0.27% above avgNationally 2.80%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
48 Month Certificate of Deposit Accounts
$0
3.10% ▲ 0.22% above South Dakota avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▲ 0.22% above avgNationally 2.80%
Details

Compounded Quarterly; APY range: 3.07 / 3.10%*

Rate History
1 change since Sep 20, 2026 · 3.07% → 3.10% ▲ 0.03 pts · high 3.10% / low 3.07%
2.57%3.09%3.60%Sep 20, 2026: 3.07% APYOct 12, 2026: 3.10% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.10%▲ from 3.07%
  • Sep 20, 20263.07%first recorded
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
515 Vander Horck St, Britton, SD 57430
48 Month Share Certificate
$0
3.02% ▲ 0.14% above South Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▲ 0.14% above avgNationally 2.80%
Details

CD Rates minimum of $1,000.00; Penalty required for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
48 Month Certificate
$0
3.00% ▲ 0.12% above South Dakota avg
View
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.88%▲ 0.12% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
48 Month Certificate of Deposit
$0
3.00% ▲ 0.12% above South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▲ 0.12% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month Certificate
$0
2.90% ▲ 0.02% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▲ 0.02% above avgNationally 2.80%
Details

Balance: $75,000 and over

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month TRIPLE OPTION CD
$0
2.90% ▲ 0.02% above South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▲ 0.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Sep 19, 2026: 2.90% APYSep 19, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
48 MONTH CERTIFICATE
$1,000
2.73% ▼ 0.15% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▼ 0.15% below avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 2.73% APY · checked 4 times
2.23%2.73%3.23%Sep 25, 2026: 2.73% APYSep 25, 2026Oct 13, 2026
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2990 E HIGHWAY 44, Rapid City, SD 57703
48 Month Share Certificates
$500
2.20% ▼ 0.68% below South Dakota avg
View
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▼ 0.68% below avgNationally 2.80%
Details

Rate Description: $500 Minimum; Dividend Rate as of 10/31/2014

Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 25, 2026: 2.20% APYSep 25, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month Certificate
$0
2.15% ▼ 0.73% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▼ 0.73% below avgNationally 2.80%
Details

Balance: $25,000 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month TRIPLE OPTION CD
$0
2.15% ▼ 0.73% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▼ 0.73% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Sep 19, 2026: 2.15% APYSep 19, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
48 Month Certificate of Deposit
$0
1.96% ▼ 0.92% below South Dakota avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.88%▼ 0.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 1.96% APY · checked 5 times
1.46%1.96%2.46%Sep 24, 2026: 1.96% APYSep 24, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 4 Year
$100,000
1.21% ▼ 1.67% below South Dakota avg
View
▼
Rate1.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▼ 1.67% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.21% APY · checked 2 times
0.71%1.21%1.71%Oct 6, 2026: 1.21% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 4 Year
$25,000
1.20% ▼ 1.68% below South Dakota avg
View
▼
Rate1.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▼ 1.68% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 6, 2026: 1.20% APYOct 6, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month Certificate
$0
1.15% ▼ 1.73% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▼ 1.73% below avgNationally 2.80%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
48 Month TRIPLE OPTION CD
$0
1.15% ▼ 1.73% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.88%▼ 1.73% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 19, 2026: 1.15% APYSep 19, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 4 Year
$100
1.15% ▼ 1.73% below South Dakota avg
View
▼
Rate1.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▼ 1.73% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Oct 6, 2026: 1.15% APYOct 6, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
48 Month Share Certificate
$5,000
1.00% ▼ 1.88% below South Dakota avg
View
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.88%▼ 1.88% below avgNationally 2.80%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
48 Month IRA Certificates
$0
0.75% ▼ 2.13% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▼ 2.13% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
48 Month Standard CD
$0
0.75% ▼ 2.13% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.88%▼ 2.13% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

South Dakota 60 Month CD Rates

MonitorBankRates South Dakota Average · 60 Month CD2.99% APY▼ 0.03% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in South Dakota is 2.99% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
IRA 60 MONTH
$100
4.96% ▲ 1.97% above South Dakota avg
View
▼
Rate4.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▲ 1.97% above avgNationally 2.90%
Details

Rate History
5 changes since Sep 8, 2026 · 4.35% → 4.96% ▲ 0.61 pts · high 5.06% / low 4.35%
3.64%4.71%5.77%Sep 8, 2026: 4.35% APYSep 18, 2026: 4.65% APYSep 24, 2026: 4.76% APYSep 27, 2026: 4.86% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.86%
  • Sep 27, 20264.86%▲ from 4.76%
  • Sep 24, 20264.76%▲ from 4.65%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1711 W Grand Xing, Mobridge, SD 57601
60 MONTH CD
$500
4.90% ▲ 1.91% above South Dakota avg
View
▼
Rate4.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▲ 1.91% above avgNationally 2.90%
Details

Rate History
5 changes since Sep 8, 2026 · 4.30% → 4.90% ▲ 0.60 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.60% APYSep 24, 2026: 4.70% APYSep 27, 2026: 4.80% APYOct 2, 2026: 5.00% APYOct 7, 2026: 4.90% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.90%▼ from 5.00%
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 27, 20264.80%▲ from 4.70%
  • Sep 24, 20264.70%▲ from 4.60%
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
5 Year Certificate
$500
4.30% ▲ 1.31% above South Dakota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
507 Main Street, Kyle, SD 57752
60 Month Share Certificates
$0
4.00% ▲ 1.01% above South Dakota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.99%▲ 1.01% above avgNationally 2.90%
Details

Balance: $250 - $25,000

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
200 E Main St, Rapid City, SD 57701 2929
60-Month Certificate
$0
4.00% ▲ 1.01% above South Dakota avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▲ 1.01% above avgNationally 2.90%
Details

Balance: $100.00 to $499.99 **

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 30, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
700 E 14th St, Sioux Falls, SD 57104 5144
5 YEAR SHARE CERTIFICATE
$500
3.80% ▲ 0.81% above South Dakota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates - 60 Month
$0
3.75% ▲ 0.76% above South Dakota avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.76% above avgNationally 2.90%
Details

Tier 1; Balance: $500.00 - $24,999.99

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
60 Month Certificate
$500
3.56% ▲ 0.57% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▲ 0.57% above avgNationally 2.90%
Details

Honors Rate: 3.60%; Platinum Rate: 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
3.00%3.53%4.06%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.56%▼ from 3.56%
  • Oct 1, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Certificate 60 Months
$1,000
3.55% ▲ 0.56% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.99%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
IRA 60 Months
$1,000
3.55% ▲ 0.56% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.99%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
725 5th St, Rapid City, SD 57701
60 Month IRA Share Certificate
$500
3.55% ▲ 0.56% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▲ 0.56% above avgNationally 2.90%
Details

Rate History
1 change since Oct 1, 2026 · 3.56% → 3.55% ▼ 0.01 pts · high 3.56% / low 3.55%
3.05%3.55%4.06%Oct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYOct 1, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1 Main Street, Warner, SD 57479
60 Month Certificate of Deposit
$1,000
3.50% ▲ 0.51% above South Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▲ 0.51% above avgNationally 2.90%
Details

Rate History
1 change since Sep 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 8, 2026: 3.00% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.00%
  • Sep 8, 20263.00%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
60 Month Certificate Accounts
$0
3.30% ▲ 0.31% above South Dakota avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.31% above avgNationally 2.90%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
60 Month Certificate Accounts
$0
3.25% ▲ 0.26% above South Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.26% above avgNationally 2.90%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
1620 4th St NE, Watertown, SD 57201 8604
Share Certificate - 60 Month CD
$0
3.10% ▲ 0.11% above South Dakota avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.11% above avgNationally 2.90%
Details

Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
60 Month Certificate
$0
3.00% ▲ 0.01% above South Dakota avg
View
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.99%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
305 S Main St, Freeman, SD 57029
60 Month Certificate of Deposit
$0
3.00% ▲ 0.01% above South Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1371 Dakota Ave S, Huron, SD 57350
60 Month Certificate of Deposit Accounts
$0
3.00% ▲ 0.01% above South Dakota avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.01% above avgNationally 2.90%
Details

Compounded Quarterly; APY range: 2.97 / 3.00%*

Rate History
1 change since Sep 20, 2026 · 2.97% → 3.00% ▲ 0.03 pts · high 3.00% / low 2.97%
2.47%2.99%3.50%Sep 20, 2026: 2.97% APYOct 12, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.00%▲ from 2.97%
  • Sep 20, 20262.97%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
815 Columbus St, Rapid City, SD 57701
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00% ▲ 0.01% above South Dakota avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▲ 0.01% above avgNationally 2.90%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month Certificate
$0
2.95% ▼ 0.04% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 0.04% below avgNationally 2.90%
Details

Balance: $75,000 and over

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month TRIPLE OPTION CD
$0
2.95% ▼ 0.04% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 0.04% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 19, 2026: 2.95% APYSep 19, 2026Oct 13, 2026
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
60 MONTH CERTIFICATE
$1,000
2.79% ▼ 0.20% below South Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▼ 0.20% below avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 4 times
2.29%2.79%3.29%Sep 25, 2026: 2.79% APYSep 25, 2026Oct 13, 2026
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
220 S Harth Ave, Madison, SD 57042 2916
36, 48 & 60-Month Term Share Certificates
$0
2.79% ▼ 0.20% below South Dakota avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average2.99%▼ 0.20% below avgNationally 2.90%
Details

Balance: $50+

Rate History
No change since Sep 21, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 21, 2026: 2.79% APYSep 21, 2026Oct 13, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
60 Month Certificate of Deposit
$0
2.36% ▼ 0.63% below South Dakota avg
View
▼
Rate2.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average2.99%▼ 0.63% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.36% APY · checked 5 times
1.86%2.36%2.86%Sep 24, 2026: 2.36% APYSep 24, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month Certificate
$0
2.20% ▼ 0.79% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 0.79% below avgNationally 2.90%
Details

Balance: $25,000 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month TRIPLE OPTION CD
$0
2.20% ▼ 0.79% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 0.79% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 2 times
1.70%2.20%2.70%Sep 19, 2026: 2.20% APYSep 19, 2026Oct 13, 2026
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2990 E HIGHWAY 44, Rapid City, SD 57703
60 Month Share Certificates
$500
2.20% ▼ 0.79% below South Dakota avg
View
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▼ 0.79% below avgNationally 2.90%
Details

Rate Description: $500 Minimum; Dividend Rate as of 10/31/2014

Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 25, 2026: 2.20% APYSep 25, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
7 E Us Highway 12, Groton, SD 57445
24-36-48-60 month CD
$0
1.75% ▼ 1.24% below South Dakota avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 1.24% below avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 2, 2026: 1.75% APYOct 2, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 5 Year
$100,000
1.46% ▼ 1.53% below South Dakota avg
View
▼
Rate1.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▼ 1.53% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 6, 2026: 1.46% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 5 Year
$25,000
1.45% ▼ 1.54% below South Dakota avg
View
▼
Rate1.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▼ 1.54% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.45% APY · checked 2 times
0.95%1.45%1.95%Oct 6, 2026: 1.45% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
519 Main Ave, Lemmon, SD 57638 1421
Share Certificates - 5 Year
$100
1.40% ▼ 1.59% below South Dakota avg
View
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▼ 1.59% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 6, 2026: 1.40% APYOct 6, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month Certificate
$0
1.20% ▼ 1.79% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 1.79% below avgNationally 2.90%
Details

Balance: $2,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
140 N Phillips Ave, Sioux Falls, SD 57104
60 Month TRIPLE OPTION CD
$0
1.20% ▼ 1.79% below South Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
South Dakota Average2.99%▼ 1.79% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Sep 19, 2026: 1.20% APYSep 19, 2026Oct 13, 2026
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3901 E 10th St, Sioux Falls, SD 57103 2133
60 Month Share Certificate
$5,000
1.00% ▼ 1.99% below South Dakota avg
View
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average2.99%▼ 1.99% below avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
60 Month IRA Certificates
$0
0.75% ▼ 2.24% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▼ 2.24% below avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
104 N Exene St, Gettysburg, SD 57442
60 Month Standard CD
$0
0.75% ▼ 2.24% below South Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
South Dakota Average2.99%▼ 2.24% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from South Dakota Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Dakota Community Bank & Trust
24 MONTH CD
A+ 5.0 ★ TX: 0.58%
Min: $50,000
5.00%
CorTrust Bank
3 Year Certificate
A+ 5.0 ★ TX: 5.11%
Min: $500
4.30%
Security First Bank
24 Month Flex CD Account
A+ 5.0 ★ TX: 1.27%
Min: $0
4.06%
OAB One American Bank
12 Month CD Special
A 5.0 ★ TX: 12.41%
Min: $50,000
4.05%
BankStar Financial
18 Month CD Specials
A+ 5.0 ★ TX: 1.11%
Min: $0
4.01%
CU Top 5 Credit Union Rates
Fort Randall Federal Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 3.71%
Min: $0
4.06%
Siouxland Federal Credit Union
Certificate 12 Months
A+ 5.0 ★ TX: 2.44%
Min: $1,000
4.00%
Lakota Federal Credit Union
12 Month Share Certificates
A+ 5.0 ★ TX: 2.43%
Min: $0
4.00%
BLACK HILLS
12-Month Certificate
A 5.0 ★ TX: 6.04%
Min: $100
4.00%
Aspen Federal Credit Union
6 Month Share Certificate
A+ 5.0 ★ TX: 4.22%
Min: $0
4.00%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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South Dakota CD Rate Trends

Compare local South Dakota CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full South Dakota CD Trends
12-Month CD SD Avg
3.288%
▲ 0.015 vs 7 days ago

South Dakota 12-month CD rates rose 0.015 points over the past 7 days to 3.288% APY.

6-Month CD SD Avg
3.129%
▲ 0.012 vs 7 days ago

South Dakota 6-month CD rates rose 0.012 points over the past 7 days to 3.129% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

SD CD Rate Forecast, Next 12 Months

Where are South Dakota CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

SD 12-Month Avg APY
3.288%
6-Month Forecast
3.288%
Range: 3.09%, 3.44%
12-Month Forecast
3.538%
Range: 3.34%, 3.69%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the South Dakota average 12-month CD APY in our database.

Spread model: The South Dakota 12-month CD average currently trades 1.09% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at SD CD Rates Today

Annual interest earnings at today’s South Dakota average APYs. State average used where available; national average as fallback.

CD Term SD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.347% $117.34 $234.67 $586.68 $1,173.35
6-Month CD 3.129% $156.46 $312.92 $782.30 $1,564.60
12-Month CD 3.288% $164.39 $328.78 $821.95 $1,643.90
18-Month CD 3.217% $160.87 $321.73 $804.33 $1,608.65
24-Month CD 3.053% $152.65 $305.29 $763.23 $1,526.45
36-Month CD 2.908% $145.38 $290.76 $726.90 $1,453.80
48-Month CD 2.883% $144.16 $288.32 $720.80 $1,441.60
60-Month CD 2.989% $149.47 $298.94 $747.35 $1,494.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for South Dakota Savers

$25,000 split equally across 5 terms using today’s South Dakota average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit SD Avg APY Annual Earnings
1 3-Month CD $5,000 2.347% $117.34
2 6-Month CD $5,000 3.129% $156.46
3 12-Month CD $5,000 3.288% $164.39
4 24-Month CD $5,000 3.053% $152.65
5 36-Month CD $5,000 2.908% $145.38
Total ($25,000 invested) $25,000 2.945% blended $736.22/yr

Ladder example uses equal $5,000 rungs and South Dakota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
356
CD Rates
Tracked in South Dakota
17 Banks 19 Credit Unions

About Our South Dakota CD Rate Database

MonitorBankRates tracks 356 CD rates from 17 banks and 19 credit unions with locations in South Dakota, plus national online institutions available to South Dakota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Dakota Community Bank & Trust offers a CD at 5.00% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in South Dakota.

How to Find the Best CD Rates in South Dakota

What to compare when shopping for a CD in South Dakota

To find the best APYs in South Dakota, start with credit unions and online-only banks: South Dakota has 19 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in South Dakota

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in South Dakota: 36 institutions here report CD rates

Consider an Alternative If…

South Dakota Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
18.0%
National avg: 17.3%
Median Individual Earnings
$43,371
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
2.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$143/yr
At SD 12-mo avg 3.288% APY

18.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.9% reflects a strong local economy. At today’s SD 12-month CD average of 3.288%, saving 10% of the local median salary ($4,337/year) and putting it in a CD would earn an additional $143 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in South Dakota

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in South Dakota

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in South Dakota typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in South Dakota as everywhere in the U.S.

Choosing a CD Term in South Dakota

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give South Dakota savers easier access to their funds. For example, Dakota Community Bank & Trust is offering its 6 MONTH CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Dakota Community Bank & Trust is offering its IRA 60 MONTH at 4.96% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for South Dakota Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a South Dakota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in South Dakota

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the South Dakota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in South Dakota

Most CDs carry a fixed rate that is locked for the entire term, protecting a South Dakota depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in South Dakota

Are CD rates in South Dakota FDIC insured?

Yes, most established banks in South Dakota are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in South Dakota?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in South Dakota.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in South Dakota may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in South Dakota?

Here are recent top rates found for this area:
  • Dakota Community Bank & Trust: 5.00% APY (24 MONTH CD)
  • CorTrust Bank: 4.30% APY (3 Year Certificate)
  • Security First Bank: 4.06% APY (24 Month Flex CD Account)
  • Fort Randall Federal Credit Union: 4.06% APY (12 Month Certificate)
  • OAB One American Bank: 4.05% APY (12 Month CD Special)
  • BankStar Financial: 4.01% APY (18 Month CD Specials)
  • First Western Bank & Trust: 4.00% APY (24 Month CD)
  • Siouxland Federal Credit Union: 4.00% APY (Certificate 12 Months)
  • Lakota Federal Credit Union: 4.00% APY (12 Month Share Certificates)
  • BLACK HILLS: 4.00% APY (12-Month Certificate)
Rates reflect recent verified offers available in South Dakota. Last Updated: October 13, 2026

South Dakota CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current South Dakota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top South Dakota CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in South Dakota. Averages shown use the South Dakota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for South Dakota

South Dakota CD Calculator

At today’s SD top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

South Dakota CD Ladder

SD CD rates currently range from 2.347% (3-month) to 2.908% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a South Dakota CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

South Dakota’s average 12-month CD is 3.288% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Dakota CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for South Dakota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in South Dakota. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in SD.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

South Dakota Rates & Resources

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Cities in South Dakota

  • Aberdeen
  • Agar
  • Akaska
  • Albee
  • Alcester
  • Alexandria
  • Allen
  • Alpena
  • Altamont
  • Amherst
  • Andover
  • Arlington
  • Armour
  • Artas
  • Artesian
  • Ashton
  • Astoria
  • Aurora
  • Avon
  • Badger
  • Baltic
  • Bancroft
  • Barnard
  • Batesland
  • Bath
  • Belle Fourche
  • Belvidere
  • Benton
  • Beresford
  • Bethlehem
  • Big Sioux
  • Big Stone City
  • Bison
  • Black Hawk
  • Blunt
  • Bonesteel
  • Bowdle
  • Box Elder
  • Bradley
  • Brandon
  • Brandt
  • Brant Lake
  • Brantford
  • Brentford
  • Bridgewater
  • Bristol
  • Britton
  • Broadland
  • Brookings
  • Bruce
  • Bryant
  • Buffalo
  • Buffalo Gap
  • Buffalo Ridge
  • Bullhead
  • Burbank
  • Burke
  • Bushnell
  • Butler
  • Cambria
  • Camp Crook
  • Canistota
  • Canova
  • Canton
  • Caputa
  • Carlisle
  • Carpenter
  • Carter
  • Carthage
  • Castlewood
  • Cavour
  • Centerville
  • Central City
  • Chamberlain
  • Chancellor
  • Chelsea
  • Cherry Creek
  • Chester
  • Claire City
  • Claremont
  • Clark
  • Clear Lake
  • Cleveland
  • Colman
  • Colome
  • Colton
  • Columbia
  • Conde
  • Corona
  • Corsica
  • Cottonwood
  • Creighton
  • Cresbard
  • Crooks
  • Custer
  • Dallas
  • Dante
  • Davis
  • De Smet
  • Deadwood
  • Dell Rapids
  • Delmont
  • Dimock
  • Doland
  • Dolton
  • Draper
  • Dupree
  • Eagle Butte
  • Eden
  • Edgemont
  • Egan
  • Elk Point
  • Elkton
  • Elm Springs
  • Emery
  • Enning
  • Erwin
  • Estelline
  • Ethan
  • Eureka
  • Fairburn
  • Fairfax
  • Fairview
  • Faith
  • Farmer
  • Faulkton
  • Fedora
  • Ferney
  • Firesteel
  • Flandreau
  • Florence
  • Fort Meade
  • Fort Pierre
  • Fort Thompson
  • Frankfort
  • Frederick
  • Freeman
  • Fruitdale
  • Fulton
  • Gann Valley
  • Garden City
  • Garretson
  • Gary
  • Gayville
  • Geddes
  • Gettysburg
  • Glad Valley
  • Glencross
  • Glenham
  • Goodwin
  • Gregory
  • Grenville
  • Groton
  • Hamill
  • Harrisburg
  • Harrison
  • Harrold
  • Hartford
  • Hayes
  • Hayti
  • Hazel
  • Hecla
  • Henry
  • Hermosa
  • Herreid
  • Herrick
  • Hetland
  • Highmore
  • Hill City
  • Hillsview
  • Hitchcock
  • Holabird
  • Hosmer
  • Hot Springs
  • Houghton
  • Hoven
  • Howard
  • Howes
  • Hudson
  • Humboldt
  • Hurley
  • Huron
  • Ideal
  • Interior
  • Iona
  • Ipswich
  • Irene
  • Iroquois
  • Isabel
  • Java
  • Jefferson
  • Kadoka
  • Kaylor
  • Keldron
  • Kennebec
  • Keystone
  • Kimball
  • Kranzburg
  • Kyle
  • Labolt
  • Lake Andes
  • Lake City
  • Lake Norden
  • Lake Preston
  • Lane
  • Langford
  • Lantry
  • Lead
  • Lebanon
  • Lemmon
  • Lennox
  • Leola
  • Lesterville
  • Letcher
  • Little Eagle
  • Lodgepole
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