Cambria, South Dakota CD Rates Today - Compare Best APYs for May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Cambria, South Dakota CD rates include Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+5.0 ★Texas Ratio: 1.57%Real return: +1.10%APY minus CPI (February 2026) offering Certificate Account 6 Months at 3.90% APY, American Bank & TrustAmerican Bank & TrustA+5.0 ★Texas Ratio: 2.47%Real return: +0.90%APY minus CPI (February 2026) offering 6-Month CD/IRA-CD at 3.70% APY, OAB One American BankOAB One American BankA+5.0 ★Texas Ratio: 3.42%Real return: +0.80%APY minus CPI (February 2026) offering IRA Certificate of Deposit 12 Month at 3.60% APY, Siouxland Federal Credit UnionSiouxland Federal Credit UnionA+5.0 ★Texas Ratio: 3.86%Real return: +0.75%APY minus CPI (February 2026) offering IRA 60 Months Certificate at 3.55% APY, and First Western Bank & TrustFirst Western Bank & TrustA5.0 ★Texas Ratio: 12.40%Real return: +0.73%APY minus CPI (February 2026) offering 6 Month CD at 3.53% APY. CD rates as of May 30, 2026 according to verified data from MonitorBankRates.
Cambria is a smaller community with no bank or credit union branches currently in our database. 115 institutions serving the South Dakota area are available to Cambria residents, with CD rates as high as 3.90% APY from Interfaith Federal Credit Union. Rates are continually updated — 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: May 30, 2026
Compare Best CD Rates in Cambria, South Dakota & the Surrounding Area
Cambria 3 Month CD Rates
Cambria 6 Month CD Rates
It's a short-term, high-yield option that helps your money grow without a long commitment.
Compounded Quarterly
$2,000 Min. Balance
Cambria 12 Month CD Rates
Compounded Quarterly
$2,000 Min. Balance
Cambria 18 Month CD Rates
Compounded Quarterly
Cambria 24 Month CD Rates
Compounded Quarterly
$75,000 Min. Balance
$25,000 Min. Balance
$2,000 Min. Balance
Cambria 36 Month CD Rates
One Bump - Up per Term
One Bump - Up per Term
Compounded Quarterly
$75,000 Min. Balance
$25,000 Min. Balance
$2,000 Min. Balance
Cambria 48 Month CD Rates
Compounded Quarterly
$75,000 Min. Balance
$25,000 Min. Balance
$2,000 Min. Balance
Cambria 60 Month CD Rates
Compounded Quarterly
$75,000 Min. Balance
$25,000 Min. Balance
$2,000 Min. Balance
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
What Is a Certificate of Deposit?
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 agreeing to leave the money untouched until the term ends, the depositor 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.
CD Terms
The term is the length of time the money is committed to the CD before it matures. Shorter terms such as three or six months offer easier access to funds, while longer terms such as three or five years usually pay higher rates. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term.
CD Risk
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. 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 Interest Is Paid
Interest on a CD is calculated using the annual percentage yield, 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 balance to compound. Comparing CDs by APY rather than the nominal rate gives the truest picture of total earnings.
Fixed vs. Variable Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting the 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 market conditions improve. Which is better depends on the direction the depositor expects rates to move.
Cambria, SD CD Rate Trends
Compare local Cambria, 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.
South Dakota 12-month CD rates fell 0.005 points over the past 7 days to 3.237% APY.
South Dakota 6-month CD rates rose 0.018 points over the past 7 days to 3.317% APY.
SD CD Rate Forecast — Next 12 Months
Where are South Dakota CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.947% | $147.34 | $294.68 | $736.70 | $1,473.40 |
| 6-Month CD | 3.317% | $165.83 | $331.65 | $829.13 | $1,658.25 |
| 12-Month CD | 3.237% | $161.83 | $323.66 | $809.15 | $1,618.30 |
| 18-Month CD | 3.229% | $161.43 | $322.86 | $807.15 | $1,614.30 |
| 24-Month CD | 3.057% | $152.87 | $305.73 | $764.33 | $1,528.65 |
| 36-Month CD | 2.988% | $149.39 | $298.78 | $746.95 | $1,493.90 |
| 48-Month CD | 2.998% | $149.92 | $299.84 | $749.60 | $1,499.20 |
| 60-Month CD | 2.970% | $148.50 | $296.99 | $742.48 | $1,484.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 30, 2026. | |||||
Sample CD Ladder for Cambria, 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 | 2.947% | $147.34 |
| 2 | 6-Month CD | $5,000 | 3.317% | $165.83 |
| 3 | 12-Month CD | $5,000 | 3.237% | $161.83 |
| 4 | 24-Month CD | $5,000 | 3.057% | $152.87 |
| 5 | 36-Month CD | $5,000 | 2.988% | $149.39 |
| Total ($25,000 invested) | $25,000 | 3.109% blended | $777.26/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.
Tracked in Cambria, South Dakota
About Our Cambria, South Dakota CD Rate Database
MonitorBankRates tracks 82 CD rates from 10 banks and 5 credit unions with locations in Cambria, 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 (1–5), 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: Interfaith Federal Credit Union offers a CD at 3.90% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in Cambria, South Dakota.
How to Find the Best CD Rates in Cambria, South Dakota
What to compare when shopping for a CD in Cambria, South Dakota
To find the best APYs in Cambria, South Dakota, start with credit unions and online-only banks — Cambria, South Dakota has 5 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 Cambria, 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 Cambria, South Dakota — 15 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Cambria, South Dakota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Cambria, South Dakota money market rates
South Dakota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
18.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.9% reflects a strong local economy. At today’s SD 12-month CD average of 3.237%, saving 10% of the local median salary ($4,337/year) and putting it in a CD would earn an additional $140 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 Cambria, 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 (90–180 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 |
Frequently Asked Questions about CD Rates in Cambria, South Dakota
Are CD rates in Cambria, South Dakota FDIC insured?
Do I have to pay state taxes on CD interest in Cambria, South Dakota?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Cambria, South Dakota?
- Interfaith Federal Credit Union: 3.90% APY (Certificate Account 6 Months)
- American Bank & Trust: 3.70% APY (6-Month CD/IRA-CD)
- OAB One American Bank: 3.60% APY (IRA Certificate of Deposit 12 Month)
- Siouxland Federal Credit Union: 3.55% APY (60 Months Certificate)
- First Western Bank & Trust: 3.53% APY (6 Month CD)
- CorTrust Bank: 3.50% APY (1 Year Certificates of Deposit)
- First National Bank in Philip: 3.45% APY (Certificate of Deposit 4 Year)
- Bank Midwest: 3.45% APY (24-Month Certificate of Deposit)
- Dakotaland Federal Credit Union: 3.40% APY (18 Month Certificate of Deposit Accounts)
- Bluestone Federal Credit Union: 3.30% APY (12 MO VARIABLE SHARE CERT.)
CD Calculators for Cambria, South Dakota
At today’s SD top rate of 3.90% APY, a $10,000 deposit earns $390 in the first year. Enter your amount to see your exact return.
Cambria, South Dakota CD LadderSD CD rates currently range from 2.947% (3-month) to 2.988% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cambria, South Dakota CD at 3.90% APY, know your exit cost. Most institutions charge 90–180 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 3.237% 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 Cambria, 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 Cambria, 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 Cambria, 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.
Cambria, South Dakota Rates & Resources
