Hot Springs, South Dakota Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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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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.
Hot Springs, South Dakota CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Hot Springs, South Dakota CD rates include BLACK HILLSBLACK HILLS330 S Chicago St, Hot Springs, SD 57747 2324A5.0 ★Texas Ratio: 6.04%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month Certificate at 4.00% APY, Wells FargoWells Fargo101 S Chicago St, Hot Springs, SD 57747A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD - Relationship at 1.51% APY, Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.58%Real return: +2.20%APY minus CPI (February 2026) offering 24 Month CD at 5.00% APY, Security First BankSecurity First BankA+5.0 ★Texas Ratio: 1.27%Real return: +1.26%APY minus CPI (February 2026) offering Flex CD Account - 24 Months at 4.06% APY, and Fort Randall Federal Credit UnionFort Randall Federal Credit UnionA+5.0 ★Texas Ratio: 3.71%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month Certificate at 4.06% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Hot Springs has 14 local institutions in our database, with CD rates as high as 4.00% APY from BLACK HILLS at 330 S Chicago St, Hot Springs, SD 57747 2324. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader South Dakota area. 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 14, 2026
Compare Best CD Rates in Hot Springs, South Dakota & the Surrounding Area
Hot Springs 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
3-Month Certificate
$100
4.00%
▲ 1.65% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 1.65% above avgNationally 2.09%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.29% below South Dakota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.29% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.30% below South Dakota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
4.27%
▲ 1.92% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 1.92% above avgNationally 2.09%
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
- 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
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
3 Month CD Special
$50,000
3.85%
▲ 1.50% above South Dakota avg
▼
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%
- 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%
3 Month CD
$0
3.75%
▲ 1.40% above South Dakota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 1.40% above avgNationally 2.09%
Details
Balance: $99,000.00 minimum to open and obtain APY
Rate History
2 changes since Sep 8, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.85% / low 3.55%
- 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%
3 Month Share Certificate
$0
3.55%
▲ 1.20% above South Dakota avg
▼
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
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.29%
▲ 0.94% above South Dakota avg
▼
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
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
3.24%
▲ 0.89% above South Dakota avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 0.89% above avgNationally 2.09%
Details
Balance: $70,000.00 minimum to open and obtain APY
Rate History
1 change since Sep 8, 2026 · 3.34% → 3.24% ▼ 0.10 pts · high 3.34% / low 3.24%
- 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%
3 Month CD
$0
3.03%
▲ 0.68% above South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 0.68% above avgNationally 2.09%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 10 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate of Deposit
$1,000
3.03%
▲ 0.68% above South Dakota avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Certificate
$2,500
3.02%
▲ 0.67% above South Dakota avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▲ 0.67% above avgNationally 2.09%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 5 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate
$0
2.78%
▲ 0.43% above South Dakota avg
▼
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
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Certificate of Deposit
$0
2.64%
▲ 0.29% above South Dakota avg
▼
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
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Share Certificates
$0
2.25%
▼ 0.10% below South Dakota avg
▼
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
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 MONTH CERTIFICATE
$1,000
1.01%
▼ 1.34% below South Dakota avg
▼
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
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
3 Month CD
$500
0.70%
▼ 1.65% below South Dakota avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 1.65% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 0.70% APY · checked 6 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 3 Month
$25,000
0.15%
▼ 2.20% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.20% below avgNationally 2.09%
Details
APYE: 0.15%
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 3 Month
$250
0.10%
▼ 2.25% below South Dakota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.25% below avgNationally 2.09%
Details
APYE: 0.10%
Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.30% below South Dakota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.30% below South Dakota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.35%▼ 2.30% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Hot Springs 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
6-Month Certificate
$100
4.00%
▲ 0.88% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Balance: $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 3.06% below South Dakota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 3.07% below South Dakota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.45%
▲ 1.33% above South Dakota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 1.33% above avgNationally 2.77%
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
4 changes since Sep 8, 2026 · 4.14% → 4.45% ▲ 0.31 pts · high 4.45% / low 4.14%
- Oct 14, 20264.45%▲ from 4.35%
- Oct 7, 20264.35%▼ from 4.45%
- Sep 27, 20264.45%▲ from 4.35%
- Sep 18, 20264.35%▲ from 4.14%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.24%
▲ 1.12% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 1.12% above avgNationally 2.77%
Details
Balance: $99,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 3.94% → 4.24% ▲ 0.30 pts · high 4.24% / low 3.94%
- Oct 14, 20264.24%▲ from 4.14%
- Oct 2, 20264.14%▲ from 4.04%
- Sep 18, 20264.04%▲ from 3.94%
- Sep 8, 20263.94%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.14%
▲ 1.02% above South Dakota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 1.02% above avgNationally 2.77%
Details
Balance: $70,000.00 minimum to open and obtain APY
Rate History
4 changes since Sep 8, 2026 · 3.63% → 4.14% ▲ 0.51 pts · high 4.14% / low 3.63%
- Oct 14, 20264.14%▲ from 3.94%
- Oct 7, 20263.94%▼ from 4.04%
- Oct 2, 20264.04%▲ from 3.73%
- Sep 18, 20263.73%▲ from 3.63%
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
6 Month CD Special
$50,000
4.05%
▲ 0.93% above South Dakota avg
▼
Rate3.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.12%▲ 0.93% above avgNationally 2.77%
Details
Rate History
1 change since Sep 27, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 7, 20264.05%▲ from 3.95%
- Sep 27, 20263.95%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.04%
▲ 0.92% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.92% above avgNationally 2.77%
Details
Balance: $30,000.00 minimum to open and obtain APY
Rate History
1 change since Sep 8, 2026 · 3.33% → 4.04% ▲ 0.71 pts · high 4.04% / low 3.33%
- Oct 14, 20264.04%▲ from 3.33%
- Sep 8, 20263.33%first recorded
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Month Share Certificate
$0
4.00%
▲ 0.88% above South Dakota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Some restrictions apply; penalty for early withdrawal
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above South Dakota avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Certificate
$0
3.80%
▲ 0.68% above South Dakota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.68% above avgNationally 2.77%
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%
- Sep 25, 20263.80%▲ from 2.78%
- Sep 17, 20262.78%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Certificate of Deposit
$1,000
3.79%
▲ 0.67% above South Dakota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.67% above avgNationally 2.77%
Details
Rate History
1 change since Sep 8, 2026 · 3.59% → 3.79% ▲ 0.20 pts · high 3.79% / low 3.59%
- 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%
6 Month CD
$0
3.78%
▲ 0.66% above South Dakota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.66% above avgNationally 2.77%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 8 times
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.75%
▲ 0.63% above South Dakota avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75%
▲ 0.63% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
6 Month Share Certificates
$0
3.75%
▲ 0.63% above South Dakota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.63% above avgNationally 2.77%
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%
- 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%
Share Certificates & IRA Certificates - 6 Month
$0
3.75%
▲ 0.63% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Tier 1; Balance: $500.00 - $24,999.99
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.70%
▲ 0.58% above South Dakota avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
6 Month Share Certificate
$0
3.68%
▲ 0.56% above South Dakota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.56% above avgNationally 2.77%
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
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 6 Month CD
$0
3.50%
▲ 0.38% above South Dakota avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.38% above avgNationally 2.77%
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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
6 Month Certificates of Deposit
$500
3.40%
▲ 0.28% above South Dakota avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.28% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
3.38%
▲ 0.26% above South Dakota avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.12%▲ 0.26% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
Certificate of Deposit - 6 Month
$500
3.29%
▲ 0.17% above South Dakota avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.17% above avgNationally 2.77%
Details
Personal and Business Accounts: Apply Online
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
6 Month Certificate
$2,500
3.28%
▲ 0.16% above South Dakota avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▲ 0.16% above avgNationally 2.77%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.28% APY · checked 5 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
6 Month Certificate of Deposit Accounts
$0
3.25%
▲ 0.13% above South Dakota avg
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▲ 0.13% above avgNationally 2.77%
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%
- 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%
6 Month CD
$0
3.12%
At South Dakota avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%At the averageNationally 2.77%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
No change since Sep 8, 2026 · 3.12% APY · checked 10 times
Minnwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6 Month Digital CD
$1,000
3.07%
▼ 0.05% below South Dakota avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 0.05% below avgNationally 2.77%
Details
Digital CD Specials; Online Exclusive; Online Only
Rate History
1 change since Sep 14, 2026 · 2.87% → 3.07% ▲ 0.20 pts · high 3.07% / low 2.87%
- 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%
3 & 6-Month Term Share Certificates
$0
3.04%
▼ 0.08% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.12%▼ 0.08% below avgNationally 2.77%
Details
Balance: $50+; Rates effective as of April 7, 2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 7 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
6 Month Share Certificate
$500
3.00%
▼ 0.12% below South Dakota avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Certificate of Deposit
$0
2.75%
▼ 0.37% below South Dakota avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▼ 0.37% below avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Month Share Certificates
$0
2.30%
▼ 0.82% below South Dakota avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.12%▼ 0.82% below avgNationally 2.77%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 2.30% APY
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 MONTH CERTIFICATE
$1,000
1.51%
▼ 1.61% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.12%▼ 1.61% below avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 1.51% APY · checked 4 times
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
6 Month CD
$500
0.90%
▼ 2.22% below South Dakota avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 2.22% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 0.90% APY · checked 6 times
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Month Share Certificates
$250
0.75%
▼ 2.37% below South Dakota avg
▼
Rate0.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.12%▼ 2.37% below avgNationally 2.77%
Details
$25,001 - $250,000; Balance: $25,001 - $250,000
Rate History
No change since Oct 13, 2026 · 0.75% APY
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 6 Month
$25,000
0.20%
▼ 2.92% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 2.92% below avgNationally 2.77%
Details
APYE: 0.20%
Rate History
No change since Oct 6, 2026 · 0.20% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 6 Month
$250
0.15%
▼ 2.97% below South Dakota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 2.97% below avgNationally 2.77%
Details
APYE: 0.15%
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.07% below South Dakota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Standard CD
$1,000
0.05%
▼ 3.07% below South Dakota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Hot Springs 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
12-Month Certificate
$100
4.00%
▲ 0.71% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Dividends compounded daily and credited monthly
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.78% below South Dakota avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 1.78% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
101 S Chicago St, Hot Springs, SD 57747
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.79% below South Dakota avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.60%
▲ 1.31% above South Dakota avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 1.31% above avgNationally 2.99%
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- 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%
12 Month CD
$0
4.50%
▲ 1.21% above South Dakota avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 1.21% above avgNationally 2.99%
Details
Balance: $99,000.00 minimum to open and obtain APY
Rate History
4 changes since Sep 8, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
- Oct 14, 20264.50%▲ from 4.40%
- Oct 2, 20264.40%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%▲ from 4.05%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 12 Month CD
$0
4.35%
▲ 1.06% above South Dakota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 1.06% above avgNationally 2.99%
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.35% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.30%
▲ 1.01% above South Dakota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 1.01% above avgNationally 2.99%
Details
Balance: $70,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20264.30%▲ from 4.20%
- Oct 2, 20264.20%▲ from 4.00%
- Sep 18, 20264.00%▲ from 3.60%
- Sep 8, 20263.60%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.10%
▲ 0.81% above South Dakota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.81% above avgNationally 2.99%
Details
Balance: $30,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.40%
- Sep 8, 20263.40%first recorded
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Certificate
$0
4.06%
▲ 0.77% above South Dakota avg
▼
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%
- 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%
12 Month CD Special
$50,000
4.05%
▲ 0.76% above South Dakota avg
▼
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%
- 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%
IRA Certificate of Deposit - 12 Month
$0
4.05%
▲ 0.76% above South Dakota avg
▼
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%
- Oct 7, 20264.05%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 12 Months
$1,000
4.00%
▲ 0.71% above South Dakota avg
▼
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%
- 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%
IRA 12 Months
$1,000
4.00%
▲ 0.71% above South Dakota avg
▼
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%
- 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%
12 Month Share Certificates
$0
4.00%
▲ 0.71% above South Dakota avg
▼
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
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
12 Month Share Certificates
$0
3.90%
▲ 0.61% above South Dakota avg
▼
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%
- 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%
Certificate of Deposit - 12 Month
$500
3.80%
▲ 0.51% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.51% above avgNationally 2.99%
Details
Personal and Business Accounts: Apply Online
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12 Month Share Certificate
$0
3.78%
▲ 0.49% above South Dakota avg
▼
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
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Certificate of Deposit
$1,000
3.75%
▲ 0.46% above South Dakota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
- Oct 2, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 12 Month
$0
3.75%
▲ 0.46% above South Dakota avg
▼
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
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 12 Month
$0
3.65%
▲ 0.36% above South Dakota avg
▼
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
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 12 Month CD
$0
3.60%
▲ 0.31% above South Dakota avg
▼
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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
12 Month Certificates of Deposit
$500
3.55%
▲ 0.26% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.26% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
- Oct 6, 20263.55%▼ from 3.56%
- Oct 1, 20263.56%▼ from 3.65%
- Sep 14, 20263.65%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
1 Year Certificate
$500
3.55%
▲ 0.26% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.26% above avgNationally 2.99%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 1 Year
$500
3.50%
▲ 0.21% above South Dakota avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 30 day interest penalty
Rate History
No change since Oct 14, 2026 · 3.50% APY
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share Certificates
$500
3.50%
▲ 0.21% above South Dakota avg
▼
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
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Certificate of Deposit
$0
3.44%
▲ 0.15% above South Dakota avg
▼
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
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
3.40%
▲ 0.11% above South Dakota avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▲ 0.11% above avgNationally 2.99%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
1 change since Sep 8, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
- Sep 18, 20263.40%▲ from 3.20%
- Sep 8, 20263.20%first recorded
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12-Month CD
$500
3.35%
▲ 0.06% above South Dakota avg
▼
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
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit Accounts
$0
3.30%
▲ 0.01% above South Dakota avg
▼
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%
- 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%
12 MO VARIABLE SHARE CERT
$1,000
3.30%
▲ 0.01% above South Dakota avg
▼
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
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates
$500
3.25%
▼ 0.04% below South Dakota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 0.04% below avgNationally 2.99%
Details
Dividends annually; penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 Month Certificate Accounts
$0
3.15%
▼ 0.14% below South Dakota avg
▼
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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 Month Certificate Accounts
$0
3.10%
▼ 0.19% below South Dakota avg
▼
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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 Month Certificate Accounts
$0
3.05%
▼ 0.24% below South Dakota avg
▼
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
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Certificate of Deposit
$0
3.00%
▼ 0.29% below South Dakota avg
▼
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
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
12-Month Term Share Certificate
$0
2.53%
▼ 0.76% below South Dakota avg
▼
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
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 MONTH CERTIFICATE
$1,000
2.02%
▼ 1.27% below South Dakota avg
▼
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
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
12 Month Share Certificate
$500
2.00%
▼ 1.29% below South Dakota avg
▼
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
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
12 Month CD
$500
1.70%
▼ 1.59% below South Dakota avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 1.59% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 1.70% APY · checked 6 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Savers Certificate
$100
1.00%
▼ 2.29% below South Dakota avg
▼
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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.54% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Standard CD
$1,000
0.75%
▼ 2.54% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 1 Year
$25,000
0.30%
▼ 2.99% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 2.99% below avgNationally 2.99%
Details
APYE: 0.30%
Rate History
No change since Oct 6, 2026 · 0.30% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 1 Year
$100
0.25%
▼ 3.04% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.29%▼ 3.04% below avgNationally 2.99%
Details
APYE: 0.25%
Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 3 times
Hot Springs 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
18-Month Certificate
$100
4.00%
▲ 0.77% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 0.77% above avgNationally 2.88%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Not valid for brokered deposits, institutional investors, business accounts or Public Funds
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate Special
$0
4.30%
▲ 1.07% above South Dakota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 1.07% above avgNationally 2.88%
Details
CD Special; Balance: $2,500.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- 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
BankStar Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18-Month CD
$0
4.01%
▲ 0.78% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 0.78% above avgNationally 2.88%
Details
CD Specials; APY accurate as of September 21, 2026; Penalty for early withdrawal; Institutional or Public Funds not eligible
Rate History
No change since Sep 30, 2026 · 4.01% APY · checked 4 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Certificate of Deposit
$1,000
3.75%
▲ 0.52% above South Dakota avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 0.52% above avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 5 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 18 Month
$0
3.75%
▲ 0.52% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▲ 0.52% 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
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 18 Month CD
$0
3.70%
▲ 0.47% above South Dakota avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▲ 0.47% 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 · 3.70% APY
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.65%
▲ 0.42% above South Dakota avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.23%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 3 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Certificate
$500
3.55%
▲ 0.32% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 0.32% above avgNationally 2.88%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Month Share Certificate
$0
3.53%
▲ 0.30% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▲ 0.30% 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 · 3.53% APY · checked 7 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 18 Month
$500
3.40%
▲ 0.17% above South Dakota avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▲ 0.17% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 days interest penalty
Rate History
No change since Oct 14, 2026 · 3.40% APY
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit Accounts
$0
3.40%
▲ 0.17% above South Dakota avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▲ 0.17% above avgNationally 2.88%
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%
- 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%
18 Month Certificate of Deposit
$0
3.00%
▼ 0.23% below South Dakota avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.23% below avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
18 Month Share Certificates
$0
2.60%
▼ 0.63% below South Dakota avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.63% below avgNationally 2.88%
Details
Balance: $500
Rate History
1 change since Sep 20, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
- 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%
18 Month Share Certificates
$0
2.45%
▼ 0.78% below South Dakota avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.78% below avgNationally 2.88%
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%
- 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%
18 Month Share Certificates
$0
2.35%
▼ 0.88% below South Dakota avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.88% below avgNationally 2.88%
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%
- 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%
18 MONTH CERTIFICATE
$1,000
2.27%
▼ 0.96% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.96% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 2.27% APY · checked 4 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Certificate
$0
2.27%
▼ 0.96% below South Dakota avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.96% below avgNationally 2.88%
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%
- 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%
18 Month Certificate
$0
2.25%
▼ 0.98% below South Dakota avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 0.98% 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 12, 2026 · 2.25% APY · checked 8 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
18 Month Share Certificate
$1,000
1.75%
▼ 1.48% below South Dakota avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.23%▼ 1.48% below avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.48% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▼ 2.48% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75%
▼ 2.48% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.23%▼ 2.48% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Hot Springs 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
24 Month Certificate
$100
4.00%
▲ 0.94% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.94% above avgNationally 2.88%
Details
Minimum opening balance $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 through 18)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
5.00%
▲ 1.94% above South Dakota avg
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.94% above avgNationally 2.88%
Details
Balance: $500,00.00 minimum to open and obtain APY (as printed on page)
Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
- 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%
24 Month CD
$0
4.80%
▲ 1.74% above South Dakota avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.74% above avgNationally 2.88%
Details
Balance: $99,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
- 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%
IRA 24 Month CD
$0
4.55%
▲ 1.49% above South Dakota avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.49% above avgNationally 2.88%
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.55% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.50%
▲ 1.44% above South Dakota avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.44% above avgNationally 2.88%
Details
Balance: $70,000.00 minimum to open and obtain APY
Rate History
2 changes since Sep 8, 2026 · 3.80% → 4.50% ▲ 0.70 pts · high 4.50% / low 3.80%
- Oct 2, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%▲ from 3.80%
- Sep 8, 20263.80%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.20%
▲ 1.14% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.14% above avgNationally 2.88%
Details
Balance: $30,000.00 minimum to open and obtain APY
Rate History
2 changes since Sep 8, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
- 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%
Flex CD Account - 24 Months
$0
4.06%
▲ 1.00% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 1.00% above avgNationally 2.88%
Details
Account Features: $1,000 minimum deposit; make additional deposits up to your initial amount; withdraw funds without penalty up to four times after the first week on deposit; increase rate one time during the term; Public entities not eligible; APY effective 10/14/2026
Rate History
1 change since Sep 8, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 2, 20264.06%▲ from 3.29%
- Sep 8, 20263.29%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00%
▲ 0.94% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.94% above avgNationally 2.88%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 24 Month
$0
3.75%
▲ 0.69% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.69% 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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
24 Month Certificates of Deposit
$500
3.65%
▲ 0.59% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate of Deposit
$0
3.55%
▲ 0.49% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.06%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 24 Months
$1,000
3.55%
▲ 0.49% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.06%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 24 Months
$1,000
3.55%
▲ 0.49% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.06%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
2 Year Share Certificate
$500
3.55%
▲ 0.49% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.49% above avgNationally 2.88%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Certificate of Deposit
$1,000
3.50%
▲ 0.44% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.44% 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%
- 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%
Share Certificate - 24 Month CD
$0
3.50%
▲ 0.44% above South Dakota avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.44% 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
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Month Share Certificates
$0
3.50%
▲ 0.44% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.06%▲ 0.44% above avgNationally 2.88%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 3.50% APY
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24-Month CD
$500
3.45%
▲ 0.39% above South Dakota avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.06%▲ 0.39% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 2 Year
$500
3.40%
▲ 0.34% above South Dakota avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.34% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 days interest penalty
Rate History
No change since Oct 14, 2026 · 3.40% APY
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24 Month Share Certificate
$0
3.33%
▲ 0.27% above South Dakota avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.27% 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
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
3.30%
▲ 0.24% above South Dakota avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▲ 0.24% above avgNationally 2.88%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 10 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Certificate of Deposit Accounts
$0
3.30%
▲ 0.24% above South Dakota avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.24% 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%
- 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%
24 Month Certificate
$0
3.25%
▲ 0.19% above South Dakota avg
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.06%▲ 0.19% above avgNationally 2.88%
Details
Apply Now
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 Month Certificate Accounts
$0
3.13%
▲ 0.07% above South Dakota avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.07% 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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 Month Certificate Accounts
$0
3.07%
▲ 0.01% above South Dakota avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▲ 0.01% 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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 Month Certificate Accounts
$0
3.05%
▼ 0.01% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.01% below avgNationally 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
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Certificate of Deposit
$0
3.00%
▼ 0.06% below South Dakota avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.06% below avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85%
▼ 0.21% below South Dakota avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.21% below avgNationally 2.88%
Details
Retirement Accounts; Dividends paid quarterly
Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 MONTH CERTIFICATE
$1,000
2.53%
▼ 0.53% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.53% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 2.53% APY · checked 4 times
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
18 & 24-Month Term Share Certificate
$0
2.53%
▼ 0.53% below South Dakota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.06%▼ 0.53% 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
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Certificate
$0
2.52%
▼ 0.54% below South Dakota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.54% 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
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
24 Month Share Certificates
$0
2.40%
▼ 0.66% below South Dakota avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.66% 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%
- 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%
24 Month Share Certificates
$0
2.35%
▼ 0.71% below South Dakota avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.71% 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%
- 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%
24 Month Share Certificates
$0
2.30%
▼ 0.76% below South Dakota avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.76% 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%
- 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%
24 Month Share Certificates
$500
2.20%
▼ 0.86% below South Dakota avg
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 0.86% 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
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
24 Month Certificate of Deposit
$0
1.96%
▼ 1.10% below South Dakota avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.06%▼ 1.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 1.96% APY · checked 5 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
IRA Certificate of Deposit - 24 Month
$0
1.96%
▼ 1.10% below South Dakota avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.06%▼ 1.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 3 times
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
24 Month Rate Option
$500
1.65%
▼ 1.41% below South Dakota avg
▼
Rate1.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▼ 1.41% below avgNationally 2.88%
Details
Rate Option; Standard, Fixed-Rate CDs - Additional 0.10% on 1st Term
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 6 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
24 Month Share Certificate
$5,000
1.50%
▼ 1.56% below South Dakota avg
▼
Rate1.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.06%▼ 1.56% 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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.31% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▼ 2.31% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Standard CD
$1,000
0.75%
▼ 2.31% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▼ 2.31% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 2 Year
$25,000
0.55%
▼ 2.51% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▼ 2.51% below avgNationally 2.88%
Details
APYE: 0.55%
Rate History
No change since Oct 6, 2026 · 0.55% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 2 Year
$100
0.50%
▼ 2.56% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.06%▼ 2.56% below avgNationally 2.88%
Details
APYE: 0.50%
Rate History
No change since Oct 6, 2026 · 0.50% APY · checked 3 times
Hot Springs 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
36-Month Certificate
$100
4.00%
▲ 1.09% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 1.09% above avgNationally 2.81%
Details
Opening balance: $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 36 Month CD
$0
4.96%
▲ 2.05% above South Dakota avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 2.05% above avgNationally 2.81%
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.96% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month CD
$0
4.90%
▲ 1.99% above South Dakota avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 1.99% above avgNationally 2.81%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
5 changes since Sep 8, 2026 · 4.20% → 4.90% ▲ 0.70 pts · high 5.00% / low 4.20%
- 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%
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 36 Month
$0
3.75%
▲ 0.84% above South Dakota avg
▼
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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
36 Month Certificates of Deposit
$500
3.65%
▲ 0.74% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 0.74% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
- Oct 1, 20263.65%▼ from 3.70%
- Sep 14, 20263.70%first recorded
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate of Deposit
$0
3.60%
▲ 0.69% above South Dakota avg
▼
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
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 36 Months
$1,000
3.55%
▲ 0.64% above South Dakota avg
▼
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
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 36 Months
$1,000
3.55%
▲ 0.64% above South Dakota avg
▼
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
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Year Share Certificate
$500
3.55%
▲ 0.64% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 0.64% above avgNationally 2.81%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.59% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
- 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%
36 Month Certificate
$0
3.50%
▲ 0.59% above South Dakota avg
▼
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
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Share Certificates
$0
3.50%
▲ 0.59% above South Dakota avg
▼
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
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 3 Year
$500
3.35%
▲ 0.44% above South Dakota avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▲ 0.44% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 180 days interest penalty
Rate History
No change since Oct 14, 2026 · 3.35% APY
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 36 Month CD
$0
3.25%
▲ 0.34% above South Dakota avg
▼
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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36 Month Certificate Accounts
$0
3.23%
▲ 0.32% above South Dakota avg
▼
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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36 Month Certificate Accounts
$0
3.18%
▲ 0.27% above South Dakota avg
▼
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
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
36 Month Share Certificate
$0
3.17%
▲ 0.26% above South Dakota avg
▼
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
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Certificate of Deposit Accounts
$0
3.15%
▲ 0.24% above South Dakota avg
▼
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%
- 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%
36 Month Certificate Accounts
$0
3.13%
▲ 0.22% above South Dakota avg
▼
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
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Certificate of Deposit
$0
3.00%
▲ 0.09% above South Dakota avg
▼
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
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
36 Month Share Certificates
$0
3.00%
▲ 0.09% above South Dakota avg
▼
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%
- 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%
36 Month Share Certificates
$0
2.95%
▲ 0.04% above South Dakota avg
▼
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%
- 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%
36 Month Share Certificates
$0
2.90%
▼ 0.01% below South Dakota avg
▼
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%
- Oct 4, 20262.90%▲ from 2.70%
- Sep 20, 20262.70%first recorded
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 MONTH CERTIFICATE
$1,000
2.63%
▼ 0.28% below South Dakota avg
▼
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
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Share Certificates
$500
2.20%
▼ 0.71% below South Dakota avg
▼
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
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
IRA Certificate of Deposit - 36 Month
$0
1.96%
▼ 0.95% below South Dakota avg
▼
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
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
36 Month Variable IRA
$500
1.75%
▼ 1.16% below South Dakota avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▼ 1.16% below avgNationally 2.81%
Details
Variable IRA
Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 6 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month Share Certificate
$5,000
1.25%
▼ 1.66% below South Dakota avg
▼
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
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 3 Year
$25,000
0.85%
▼ 2.06% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▼ 2.06% below avgNationally 2.81%
Details
APYE: 0.85%
Rate History
No change since Oct 6, 2026 · 0.85% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 3 Year
$100
0.80%
▼ 2.11% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▼ 2.11% below avgNationally 2.81%
Details
APYE: 0.80%
Rate History
No change since Oct 6, 2026 · 0.80% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.16% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▼ 2.16% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Standard CD
$1,000
0.75%
▼ 2.16% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.91%▼ 2.16% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Hot Springs 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
48-Month Certificate
$100
4.00%
▲ 1.12% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▲ 1.12% above avgNationally 2.80%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 - 48 Month Share Certificate
$0
3.85%
▲ 0.97% above South Dakota avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▲ 0.97% above avgNationally 2.80%
Details
Some restrictions apply; penalty for early withdrawal
Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 3 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4 Year Share Certificate
$500
3.80%
▲ 0.92% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▲ 0.92% above avgNationally 2.80%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 5 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 48 Month
$0
3.75%
▲ 0.87% above South Dakota avg
▼
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
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate of Deposit
$0
3.60%
▲ 0.72% above South Dakota avg
▼
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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
48 Month Certificates of Deposit
$500
3.60%
▲ 0.72% above South Dakota avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▲ 0.72% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 1, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 48 Months
$1,000
3.55%
▲ 0.67% above South Dakota avg
▼
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
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months
$1,000
3.55%
▲ 0.67% above South Dakota avg
▼
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
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.62% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
- Oct 2, 20263.50%▲ from 3.15%
- Sep 8, 20263.15%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 4 Year
$500
3.35%
▲ 0.47% above South Dakota avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▲ 0.47% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 180 days interest penalty
Rate History
No change since Oct 14, 2026 · 3.35% APY
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 48 Month CD
$0
3.15%
▲ 0.27% above South Dakota avg
▼
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
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit Accounts
$0
3.10%
▲ 0.22% above South Dakota avg
▼
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%
- 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%
48 Month Share Certificate
$0
3.02%
▲ 0.14% above South Dakota avg
▼
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
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
3.00%
▲ 0.12% above South Dakota avg
▼
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
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Certificate of Deposit
$0
3.00%
▲ 0.12% above South Dakota avg
▼
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
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 MONTH CERTIFICATE
$1,000
2.73%
▼ 0.15% below South Dakota avg
▼
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
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$500
2.20%
▼ 0.68% below South Dakota avg
▼
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
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
48 Month Certificate of Deposit
$0
1.96%
▼ 0.92% below South Dakota avg
▼
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
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 4 Year
$25,000
1.20%
▼ 1.68% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▼ 1.68% below avgNationally 2.80%
Details
APYE: 1.21%
Rate History
No change since Oct 6, 2026 · 1.20% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 4 Year
$100
1.15%
▼ 1.73% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▼ 1.73% below avgNationally 2.80%
Details
APYE: 1.15%
Rate History
No change since Oct 6, 2026 · 1.15% APY · checked 3 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month Share Certificate
$5,000
1.00%
▼ 1.88% below South Dakota avg
▼
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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.13% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▼ 2.13% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75%
▼ 2.13% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average2.88%▼ 2.13% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Hot Springs 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
330 S Chicago St, Hot Springs, SD 57747 2324
60-Month Certificate
$100
4.00%
▲ 1.00% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 1.00% above avgNationally 2.91%
Details
Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Rates effective as of Oct 1, 2026
Rate History
1 change since Sep 30, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 30, 20263.75%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 60 Month CD
$0
4.96%
▲ 1.96% above South Dakota avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 1.96% above avgNationally 2.91%
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.96% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month CD
$0
4.90%
▲ 1.90% above South Dakota avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 1.90% above avgNationally 2.91%
Details
Balance: $500.00 minimum to open and obtain APY
Rate History
5 changes since Sep 8, 2026 · 4.30% → 4.90% ▲ 0.60 pts · high 5.00% / low 4.30%
- 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%
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Share Certificates
$0
4.00%
▲ 1.00% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.00%▲ 1.00% above avgNationally 2.91%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 4.00% APY
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
5 Year Share Certificate
$500
3.80%
▲ 0.80% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 0.80% above avgNationally 2.91%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 5 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 60 Month
$0
3.75%
▲ 0.75% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▲ 0.75% above avgNationally 2.91%
Details
Tier 1; Balance: $500.00 - $24,999.99
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
60 Month Certificates of Deposit
$500
3.56%
▲ 0.56% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 0.56% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
- 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%
Certificate 60 Months
$1,000
3.55%
▲ 0.55% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.00%▲ 0.55% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 60 Months
$1,000
3.55%
▲ 0.55% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.00%▲ 0.55% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.50% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 0.50% above avgNationally 2.91%
Details
Rate History
1 change since Sep 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 2, 20263.50%▲ from 3.00%
- Sep 8, 20263.00%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 5 Year
$500
3.35%
▲ 0.35% above South Dakota avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▲ 0.35% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 180 days interest penalty
Rate History
No change since Oct 14, 2026 · 3.35% APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 Month Certificate Accounts
$0
3.30%
▲ 0.30% above South Dakota avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▲ 0.30% above avgNationally 2.91%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 Month Certificate Accounts
$0
3.25%
▲ 0.25% above South Dakota avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▲ 0.25% above avgNationally 2.91%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
Share Certificate - 60 Month CD
$0
3.10%
▲ 0.10% above South Dakota avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▲ 0.10% above avgNationally 2.91%
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
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
3.00%
At South Dakota avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.00%At the averageNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Certificate of Deposit
$0
3.00%
At South Dakota avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%At the averageNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Certificate of Deposit Accounts
$0
3.00%
At South Dakota avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%At the averageNationally 2.91%
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%
- 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%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00%
At South Dakota avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%At the averageNationally 2.91%
Details
Retirement Accounts; Dividends paid quarterly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 MONTH CERTIFICATE
$1,000
2.79%
▼ 0.21% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▼ 0.21% below avgNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 4 times
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
36, 48 & 60-Month Term Share Certificates
$0
2.79%
▼ 0.21% below South Dakota avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
South Dakota Average3.00%▼ 0.21% below avgNationally 2.91%
Details
Balance: $50+
Rate History
No change since Sep 21, 2026 · 2.79% APY · checked 6 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
60 Month Certificate of Deposit
$0
2.36%
▼ 0.64% below South Dakota avg
▼
Rate2.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
South Dakota Average3.00%▼ 0.64% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.36% APY · checked 5 times
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Share Certificates
$500
2.20%
▼ 0.80% below South Dakota avg
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▼ 0.80% below avgNationally 2.91%
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
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
24-36-48-60 Month CD
$500
1.75%
▼ 1.25% below South Dakota avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▼ 1.25% below avgNationally 2.91%
Details
Rate History
No change since Oct 2, 2026 · 1.75% APY · checked 4 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 5 Year
$25,000
1.45%
▼ 1.55% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▼ 1.55% below avgNationally 2.91%
Details
APYE: 1.46%
Rate History
No change since Oct 6, 2026 · 1.45% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificates - 5 Year
$100
1.40%
▼ 1.60% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▼ 1.60% below avgNationally 2.91%
Details
APYE: 1.41%
Rate History
No change since Oct 6, 2026 · 1.40% APY · checked 3 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month Share Certificate
$5,000
1.00%
▼ 2.00% below South Dakota avg
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
South Dakota Average3.00%▼ 2.00% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.25% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▼ 2.25% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month Standard CD
$1,000
0.75%
▼ 2.25% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
South Dakota Average3.00%▼ 2.25% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hot Springs, SD CD Rate Trends
Compare local Hot Springs, SD 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.
12-Month CD SD Avg
3.290%
▲ 0.019 vs 7 days ago
South Dakota 12-month CD rates rose 0.019 points over the past 7 days to 3.290% APY.
6-Month CD SD Avg
3.123%
▲ 0.016 vs 7 days ago
South Dakota 6-month CD rates rose 0.016 points over the past 7 days to 3.123% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.290%
6-Month Forecast
3.290%
Range: 3.09%, 3.44%
12-Month Forecast
3.540%
Range: 3.34%, 3.69%
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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 | 2.345% | $117.27 | $234.54 | $586.35 | $1,172.70 |
| 6-Month CD | 3.123% | $156.17 | $312.34 | $780.85 | $1,561.70 |
| 12-Month CD | 3.290% | $164.51 | $329.02 | $822.55 | $1,645.10 |
| 18-Month CD | 3.226% | $161.28 | $322.55 | $806.38 | $1,612.75 |
| 24-Month CD | 3.056% | $152.79 | $305.58 | $763.95 | $1,527.90 |
| 36-Month CD | 2.910% | $145.48 | $290.97 | $727.43 | $1,454.85 |
| 48-Month CD | 2.884% | $144.19 | $288.37 | $720.93 | $1,441.85 |
| 60-Month CD | 3.000% | $149.98 | $299.97 | $749.93 | $1,499.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Hot Springs, 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.
| Rung | Term | Deposit | SD Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.345% | $117.27 |
| 2 | 6-Month CD | $5,000 | 3.123% | $156.17 |
| 3 | 12-Month CD | $5,000 | 3.290% | $164.51 |
| 4 | 24-Month CD | $5,000 | 3.056% | $152.79 |
| 5 | 36-Month CD | $5,000 | 2.910% | $145.48 |
| 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.
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206
CD Rates
Tracked in Hot Springs, South Dakota
Tracked in Hot Springs, South Dakota
16 Banks
19 Credit Unions
About Our Hot Springs, South Dakota CD Rate Database
MonitorBankRates tracks 206 CD rates from 16 banks and 19 credit unions with locations in Hot Springs, 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: BLACK HILLS offers a CD at 4.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Hot Springs, South Dakota.
How to Find the Best CD Rates in Hot Springs, South Dakota
What to compare when shopping for a CD in Hot Springs, South Dakota
To find the best APYs in Hot Springs, South Dakota, start with credit unions and online-only banks: Hot Springs, 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 Hot Springs, 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 Hot Springs, South Dakota: 35 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Hot Springs, South Dakota savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Hot Springs, South Dakota money market rates
Hot Springs, South Dakota Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
37.7%
National avg: 17.3%
Median Individual Earnings
$25,139
National avg: $47,340
Poverty Rate
21.1%
National avg: 11.1%
Unemployment Rate
1.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$83/yr
At SD 12-mo avg 3.290% APY
37.7% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.8% reflects a strong local economy. At today’s SD 12-month CD average of 3.290%, saving 10% of the local median salary ($2,513/year) and putting it in a CD would earn an additional $83 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, South Dakota as everywhere in the U.S.
Choosing a CD Term in Hot Springs, 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 Hot Springs, South Dakota savers easier access to their funds. For example, BLACK HILLS is offering its 6-Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, BLACK HILLS is offering its 60-Month Certificate at 4.00% 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, South Dakota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hot Springs, 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 Hot Springs, South Dakota
Are CD rates in Hot Springs, South Dakota FDIC insured?
Yes, most established banks in Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, South Dakota?
Here are recent top rates found for this area:
- BLACK HILLS: 4.00% APY (12-Month Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
- Dakota Community Bank & Trust: 5.00% APY (24 Month CD)
- Security First Bank: 4.06% APY (Flex CD Account - 24 Months)
- 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)
- 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)
Rates reflect recent verified offers available in Hot Springs, South Dakota. Last Updated: October 14, 2026
Hot Springs, 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 Hot Springs, 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.
CD Calculators for Hot Springs, South Dakota
Hot Springs, South Dakota CD Calculator
At today’s SD top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Hot Springs, South Dakota CD LadderSD CD rates currently range from 2.345% (3-month) to 2.910% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hot Springs, South Dakota CD at 4.00% 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 SavingsSouth Dakota’s average 12-month CD is 3.290% 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 Hot Springs, 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 Hot Springs, 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 Hot Springs, 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 14, 2026
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