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Reliabank Dakota

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Reliabank Dakota Rates & Review October 2026

Q: How many branches does Reliabank Dakota operate?

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

Q: Is there a first-time homebuyer program?

Currently, Reliabank Dakota does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Reliabank Dakota provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Reliabank Dakota's top rates as of October 14, 2026 are 4.07% APY on its 42-Months 42-Month CD Special, and 4.03% APY on checking, according to rates verified by MonitorBankRates. Other Reliabank Dakota CD rates include 16-Months 16-Month CD Special at 3.76%, and 5-Months 5-Month CD Special at 3.61%. MonitorBankRates evaluates the financial stability of Reliabank Dakota with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.16%. Rates last updated and verified on 10/14/2026.

Reliabank Dakota money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Reliabank Dakota? Share your experience about Reliabank Dakota by leaving a review below, or read customer reviews before you decide to use Reliabank Dakota.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.16%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Reliabank Dakota

211 Main St N
Estelline, SD 57234

https://www.reliabank.com

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

Reliabank Dakota CD Rates

Product	Rate	APY	Term
42 Month CD Special	4.03%	4.07%	42 months
Min Deposit $10,000 Details Interest paid every six months; auto-renews as 36-month CD at standard non-promotional APY; early withdrawal penalty 180 days' interest; CD Specials not available in online application, visit a Reliabank representative; APY effective as of 9/17/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
16 Month CD Special	3.72%	3.76%	16 months
Min Deposit $10,000 Details Interest paid every six months; auto-renews as 18-month CD at standard non-promotional APY; early withdrawal penalty 90 days' interest; CD Specials not available in online application, visit a Reliabank representative; APY effective as of 9/17/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
5 Month CD Special	3.57%	3.61%	5 months
Min Deposit $10,000 Details Interest paid at maturity; auto-renews as 6-month CD at standard non-promotional APY; early withdrawal penalty 30 days' interest; CD Specials not available in online application, visit a Reliabank representative; APY effective as of 9/17/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Reliabank Dakota Checking Rates

Product	Rate	APY	View More
Ultimate Checking	3.96%	4.03%
Min Deposit $50 Details Qualifications Required; Balance: $0.01-25,000.00; Qualifying balance up to $25,000.00; Rate applies when qualifications are met; Lower tiers ignored Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 4.03% ▲ 3.98 pts · high 4.03% / low 0.05% Oct 14, 20264.03%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

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

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

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

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Reliabank Dakota is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Reliabank Dakota rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Reliabank Dakota's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Reliabank Dakota

Website https://www.reliabank.com

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

Bank Holding Company BIG SIOUX FINANCIAL INC

FDIC Certificate # 16221

Regulator FDIC

Established September 1, 1920

FDIC Insurance Date January 2, 1945

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.16%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3741%

Return on Equity (ROE)

17.2800%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

$788,411,000

Total Deposits

$663,596,000

Equity Capital

$64,493,000

Net Income

$5,308,000

Headquarters

Estelline

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Reliabank Dakota earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/reliabank-dakota-rates-review-16221">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Reliabank Dakota

How many branches does Reliabank Dakota operate?

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

Is there a first-time homebuyer program?

Currently, Reliabank Dakota does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Reliabank Dakota provides members with tools to manage their accounts and build a solid financial history.

Does Reliabank Dakota offer online and mobile banking?

Most modern institutions like Reliabank Dakota provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.reliabank.com.