CD Rates South Dakota (SD) for April 2026

Current South Dakota CD rates include East River Federal Credit UnionEast River Federal Credit Union220 S Harth Ave, Madison, SD 57042 2916A+5.0 ★Texas Ratio: 3.86% offering 3 & 6-Month Term Share Certificates at 4.00% APY, Dakota Community Bank & TrustDakota Community Bank & Trust1711 W Grand Xing, Mobridge, SD 57601A+5.0 ★Texas Ratio: 0.89% offering IRA 60 MONTH at 3.94% APY, Sunrise Banks National AssociationSunrise Banks National Association5105 S Crossing Pl, Sioux Falls, SD 57108A+5.0 ★Texas Ratio: 2.86% offering 6-month CDs at 3.80% APY, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD 57706A+5.0 ★Texas Ratio: 4.56% offering Share Certificates & IRA Certificates 12 Month Tier 2 at 3.75% APY, and American Bank & TrustAmerican Bank & Trust6810 S Minnesota Ave, Sioux Falls, SD 57108A+5.0 ★Texas Ratio: 2.47% offering 6-Month CD/IRA-CD at 3.70% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in South Dakota, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

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 4, 2026