Best Money Market Rates in South Dakota - July 2026
Brian McKay
Brian McKay
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Current South Dakota money market deposit account rates include Bank MidwestBank Midwest225 S Minnesota Ave, Sioux Falls, SD 57104A+5.0 ★Texas Ratio: 1.45% Premier Money Market at 3.04% APY, Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD 57103 2133A+5.0 ★Texas Ratio: 2.31% Premier Money Market at 2.00% APY, Merchants State BankMerchants State Bank305 S Main St, Freeman, SD 57029A+5.0 ★Texas Ratio: 2.01% Money Market Gold Account at 1.65% APY, Richland State BankRichland State Bank602 1st St, Bruce, SD 57220A+5.0 ★Texas Ratio: 0.00% Money Market Account at 0.95% APY, and Bluestone Federal Credit UnionBluestone Federal Credit Union3400 S Sycamore Ave, Sioux Falls, SD 57110 4412A+5.0 ★Texas Ratio: 4.83% MONEY MARKET SAS at 0.90% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across South Dakota side-by-side. South Dakota money market rates currently reach as high as 3.04% APY from Bank Midwest at 225 S Minnesota Ave, Sioux Falls, SD 57104. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in South Dakota and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in South Dakota
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
South Dakota Money Market Rate Trends
Compare local South Dakota money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
South Dakota high-yield MMA rates fell 0.018 points over the past 7 days to 3.046% APY.
South Dakota standard MMA rates currently average 1.099% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Dakota money market 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 Money Market Rate Data: We aggregate money market deposit account rates for South Dakota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in South Dakota. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in SD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in South Dakota
What is a Money Market Account (MMA)?
Are Money Market accounts in South Dakota safe?
How often do MMA rates change in South Dakota?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in South Dakota?
Best Money Market Rates in South Dakota
- Bank Midwest
Premier Money Market — 3.04% APY - Service First Federal Credit Union
Premier Money Market — 2.00% APY - Merchants State Bank
Money Market Gold Account — 1.65% APY - Richland State Bank
Money Market Account — 0.95% APY - Bluestone Federal Credit Union
MONEY MARKET SAS — 0.90% APY
Cities in South Dakota
