Milbank, South Dakota (SD) Savings Rates - March 2026
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The savings 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.
The best savings rates for Milbank, South Dakota and the surrounding area include Wells FargoWells Fargo402 S Main St, Milbank, SD 57252A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, First Bank & TrustFirst Bank & Trust215 W 4th Ave, Milbank, SD 57252A+5.0 ★Texas Ratio: 3.81% Cache Teen Savings at 0.05% APY, OAB One American BankOAB One American Bank549 Broadway St, Centerville, SD 57014A+5.0 ★Texas Ratio: 3.42% Savings at 3.60% APY, Bluestone Federal Credit UnionBluestone Federal Credit Union3400 S Sycamore Ave, Sioux Falls, SD 57110 4412A+5.0 ★Texas Ratio: 5.08% 12 MO VARIABLE SHARE CERT. at 3.30% APY, and Merchants State BankMerchants State Bank305 S Main St, Freeman, SD 57029A+5.0 ★Texas Ratio: 2.01% Traditional IRA Savings at 3.25% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Milbank, South Dakota, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Milbank, South Dakota (SD) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Milbank, South Dakota and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Milbank, South Dakota & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
402 S Main St, Milbank, SD 57252
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
402 S Main St, Milbank, SD 57252
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
215 W 4th Ave, Milbank, SD 57252
Cache Teen Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Earn 10 points and get $10 automatically deposited into your account!
First Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
215 W 4th Ave, Milbank, SD 57252
Kids & Coins Club Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
402 S Main St, Milbank, SD 57252
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
402 S Main St, Milbank, SD 57252
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
402 S Main St, Milbank, SD 57252
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings+
3.60%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
12 MO VARIABLE SHARE CERT.
3.30%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
Traditional IRA Savings
3.25%
$50
▼
Rate3.20%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Sidekick Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings+
3.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
JUMBO SAVINGS ACCOUNT
2.77%
$0
▼
Rate2.74%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
ROTH IRA SHARES
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
EDUCATION IRA SHARES
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings+
2.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
725 5th St, Rapid City, SD 57701
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Dakota National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
201 N Courtland St, Chamberlain, SD 57325
eSavings Account Rate1
2.37%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
Health Savings Account (HSA)
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Savings+
2.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
First Premier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
503 Main Ave, Lake Norden, SD 57248
PREMIER Kids Club Savings Account
1.81%
$50
▼
Rate1.80%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
JUMBO SAVINGS ACCOUNT
1.53%
$0
▼
Rate1.52%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Money Market Gold Plus Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
725 5th St, Rapid City, SD 57701
Money Market Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
Regular Savings
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
Health Savings
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD 57533 2203
Savings Share Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25,000.00 and over
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD 57533 2203
IRA Savings Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
N/A
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SUPER SHARES
1.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Richland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
602 1st St, Bruce, SD 57220
Passbook Savings
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
Money Market Savings Account
1.00%
$2,500
▼
Rate0.99%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
Simply Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
515 Vander Horck St, Britton, SD 57430
Pee Wee Penguin Shares
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
For children under 12 years of age
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Share IRAs
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
REGULAR SHARES
0.75%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SECONDARY SHARES
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SUPER SHARES
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
515 Vander Horck St, Britton, SD 57430
Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD 57701
Coverdell Education Savings (Variable)
0.75%
$1
▼
Rate0.75%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD 57701
Traditional/Roth IRA Shares (Variable)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Christmas Club Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Share Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Avanti Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.32%
1620 4th St NE, Watertown, SD 57201 8604
Regular Shares/Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
IRA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
Kasasa Saver - Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD 57533 2203
Savings Share Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Under $25,000.00
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Christmas Savings
0.20%
$10
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Regular Savings
0.20%
$10
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
(Dividends paid 12/31/2025)
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD 57049
Variable IRA Savings
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Account Tier 4
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1371 Dakota Ave S, Huron, SD 57350
Regular Share Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
compounded monthly
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD 57701
Regular/Special Share Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Share Draft
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Average daily balance over $100.00
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Account Tier 2
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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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.
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.
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.
Milbank, SD Savings Rate Trends
Compare local Milbank, SD savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — SD Avg
0.032%
▼ 1.766 from last week
South Dakota high-yield savings rates fell 1.766 points this week to 0.032% APY, down from 1.799% last week.
Standard Savings — SD Avg
0.301%
▲ 0.101 from last week
South Dakota standard savings rates rose 0.101 points this week to 0.301% APY, up from 0.200% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Milbank, 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 savings 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 Milbank, South Dakota. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in SD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Milbank, South Dakota
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in South Dakota, help your money grow faster through a higher APY.
Are savings accounts in Milbank, South Dakota safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in South Dakota up to $250,000 per depositor, per institution.
How often do savings rates change in Milbank, South Dakota?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local South Dakota rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Milbank, South Dakota may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Milbank, South Dakota?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Milbank, South Dakota offer in-person customer service, which some customers prefer.
How do I open a savings account in Milbank, South Dakota?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Milbank, South Dakota
Here are recent savings rates observed in Milbank, South Dakota and the surrounding area:
- Wells Fargo
Platinum Savings — 0.05% APY - First Bank & Trust
Cache Teen Savings — 0.05% APY - OAB One American Bank
Savings — 3.60% APY - Bluestone Federal Credit Union
12 MO VARIABLE SHARE CERT. — 3.30% APY - Merchants State Bank
Traditional IRA Savings — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Milbank, South Dakota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
