Current Gary, South Dakota CD rates include Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.89% offering IRA 60 MONTH at 3.94% APY, Sunrise Banks National AssociationSunrise Banks National AssociationA+5.0 ★Texas Ratio: 2.86% offering 6-month CDs at 3.80% APY, American Bank & TrustAmerican Bank & TrustA+5.0 ★Texas Ratio: 2.47% offering 6-Month CD/IRA-CD at 3.70% APY, SNB Security National Bank of SDSNB Security National Bank of SDA+5.0 ★Texas Ratio: 0.00% offering 6 Month Certificates of Deposit (CDs) at 3.65% APY, and OAB One American BankOAB One American BankA+5.0 ★Texas Ratio: 3.42% offering IRA Certificate of Deposit 12 Month at 3.60% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Gary is a smaller community with no bank or credit union branches currently in our database. 63 institutions serving the South Dakota area are available to Gary residents, with CD rates as high as 3.94% APY from Dakota Community Bank & Trust. 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: April 12, 2026
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Compare local Gary, 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 0.387 points over the past 7 days to 2.722% APY.
South Dakota 6-month CD rates fell 0.492 points over the past 7 days to 2.452% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Gary, 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 pulling data straight 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 Gary, 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.