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CD Rates Gary, South Dakota (SD) for April 2026

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

Compare Best CD Rates in Gary, South Dakota & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$500,000
3.75%
Rate3.70%
Min Deposit$500,000
Min Balance
UpdatedApr 12, 2026
Details

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificate of Deposit
$1,000
3.13%
Rate3.10%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 3 Month
$0
2.64%
Rate2.61%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3 MONTH CERTIFICATE
$1,000
1.01%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$500,000
3.84%
Rate3.80%
Min Deposit$500,000
Min Balance
UpdatedApr 12, 2026
Details

Sunrise Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-month CDs
$500
3.80%
Rate
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-Month CD/IRA-CD
$0
3.70%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificates of Deposit (CDs)
$0
3.65%
Rate3.62%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
6 Month Certificate of Deposit
$1,000
3.23%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Digital CD
$1,000
2.87%
Rate2.85%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 6 Month
$0
2.85%
Rate2.83%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 6 Month
$0
2.75%
Rate2.71%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 MONTH CERTIFICATE
$1,000
1.51%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificate of Deposit 12 Month
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 Year Certificates of Deposit
$500
3.50%
Rate3.46%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 12 MONTH
$100
3.43%
Rate3.40%
Min Deposit$100
Min Balance
UpdatedApr 12, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12-month Certificate of Deposit
$500
3.35%
Rate3.30%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 MO VARIABLE SHARE CERT.
$1,000
3.30%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1 Year Certificate of Deposit
$1,000
3.29%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
12 Month Certificates (youth - under 18)
$100
3.25%
Rate
Min Deposit$100
Min Balance
UpdatedApr 12, 2026
Details

Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month Digital CD
$1,000
3.20%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 12 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
Certificates of Deposit 12-Month
$500
2.02%
Rate2.00%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

QUARTERLY

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit (CDs)
$0
2.00%
Rate1.99%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
Rate1.50%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Certificates of Deposit
$500
3.40%
Rate3.36%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 18 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 MONTH CERTIFICATE
$1,000
2.27%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
Certificates of Deposit 18-Month
$500
2.26%
Rate2.25%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

SEMI-ANNUALLY

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit (CDs)
$0
2.00%
Rate1.99%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$50,000
3.70%
Rate3.70%
Min Deposit$50,000
Min Balance
UpdatedApr 12, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
Rate3.40%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2 Year Certificates of Deposit
$500
3.40%
Rate3.36%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
2 Year Certificate of Deposit
$1,000
3.39%
Rate3.35%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificates of Deposit (CDs)
$0
3.25%
Rate3.22%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Mo Trad/Roth IRA CD
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 24 Month
$0
2.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
24 MONTH CERTIFICATE
$1,000
2.53%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
Certificates of Deposit 24-Month
$500
2.52%
Rate2.50%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

QUARTERLY

OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificate of Deposit 24 Month
$0
1.96%
Rate1.95%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 36 MONTH
$100
3.73%
Rate3.70%
Min Deposit$100
Min Balance
UpdatedApr 12, 2026
Details

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit (CDs)
$0
3.50%
Rate3.47%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Year Certificate of Deposit
$1,000
3.44%
Rate3.40%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 Year Certificates of Deposit
$500
3.35%
Rate3.31%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
Certificates of Deposit 36-Month
$500
3.03%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

QUARTERLY

Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 36 Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 36 Month
$0
2.85%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
36 MONTH CERTIFICATE
$1,000
2.63%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificate of Deposit 36 Month
$0
1.96%
Rate1.95%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
Certificates of Deposit 48-Month
$500
3.54%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

QUARTERLY

First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4 Year Certificate of Deposit
$1,000
3.45%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4 Year Certificates of Deposit
$500
3.35%
Rate3.31%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit (CDs)
$0
3.00%
Rate2.98%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 48 Month
$0
2.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
48 MONTH CERTIFICATE
$1,000
2.73%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 60 MONTH
$100
3.94%
Rate3.90%
Min Deposit$100
Min Balance
UpdatedApr 12, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 Year Certificates of Deposit
$500
3.35%
Rate3.31%
Min Deposit$500
Min Balance
UpdatedApr 12, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD
$2,500
3.20%
Rate3.15%
Min Deposit$2,500
Min Balance
UpdatedApr 12, 2026
Details

SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificates of Deposit (CDs)
$0
3.00%
Rate2.98%
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 60 Month
$0
2.95%
Rate
Min Deposit$0
Min Balance
UpdatedApr 12, 2026
Details

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
60 MONTH CERTIFICATE
$1,000
2.79%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 12, 2026
Details

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. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Gary, SD CD Rate Trends

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.

View Full South Dakota CD Trends →
12-Month CD — SD Avg
2.722%
▼ 0.387 vs 7 days ago

South Dakota 12-month CD rates fell 0.387 points over the past 7 days to 2.722% APY.

6-Month CD — SD Avg
2.452%
▼ 0.492 vs 7 days ago

South Dakota 6-month CD rates fell 0.492 points over the past 7 days to 2.452% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Gary, South Dakota

Are CD rates in Gary, South Dakota FDIC insured?

Yes, most established banks in Gary, South Dakota are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Gary, South Dakota?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Gary, South Dakota.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Gary, South Dakota may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Gary, South Dakota?

Here are recent top rates found for this area:
  • Dakota Community Bank & Trust: 3.94% APY (IRA 60 MONTH)
  • Sunrise Banks National Association: 3.80% APY (6-month CDs)
  • American Bank & Trust: 3.70% APY (6-Month CD/IRA-CD)
  • SNB Security National Bank of SD: 3.65% APY (6 Month Certificates of Deposit (CDs))
  • OAB One American Bank: 3.60% APY (IRA Certificate of Deposit 12 Month)
  • Commercial State Bank, of Wagner: 3.54% APY (Certificates of Deposit 48-Month)
  • CorTrust Bank: 3.50% APY (1 Year Certificates of Deposit)
  • First National Bank in Philip: 3.45% APY (4 Year Certificate of Deposit)
  • Bank Midwest: 3.45% APY (24-Month Certificate of Deposit)
  • Bluestone Federal Credit Union: 3.30% APY (12 MO VARIABLE SHARE CERT.)
Rates reflect recent verified offers available in Gary, South Dakota. Last Updated: April 12, 2026

Methodology & Data Sources

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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026