CD Rates Java, South Dakota (SD) for March 2026
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Brian McKay
iEditorial Disclosure
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Java, 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, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD 57706A+5.0 ★Texas Ratio: 4.56% offering Share Certificates & IRA Certificates 6 Month Tier 2 at 4.00% APY, Sunrise Banks National AssociationSunrise Banks National Association2300 Como Ave, Saint Paul, MN 55108A+5.0 ★Texas Ratio: 2.86% offering 6-month CDs at 3.80% APY, OAB One American BankOAB One American Bank549 Broadway St, Centerville, SD 57014A+5.0 ★Texas Ratio: 3.42% offering IRA Certificate of Deposit 12 Month at 3.70% APY, and SNB Security National Bank of SDSNB Security National Bank of SD325 Dakota Dunes Blvd, Dakota Dunes, SD 57049A+5.0 ★Texas Ratio: 0.00% offering 6 Month Certificates of Deposit (CDs) at 3.65% APY.
To help you find the best CD rates in Java, South Dakota, and the surrounding area,, 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: March 21, 2026
Java, SD CD Rate Trends
Compare local Java, SD CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — SD Avg
2.578%
▼ 0.687 from last week
South Dakota 12-month CD rates fell 0.687 points this week to 2.578% APY, down from 3.265% last week.
6-Month CD — SD Avg
1.792%
▼ 1.197 from last week
South Dakota 6-month CD rates fell 1.197 points this week to 1.792% APY, down from 2.989% last week.
As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Java, South Dakota & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
3 Month Certificate of Deposit
$1,000
3.13%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
3 Month Certificate of Deposit
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
3 MONTH CERTIFICATE
$1,000
1.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Dacotah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
7 E Us Highway 12, Groton, SD 57445
3 Month CD
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
3 & 6-Month Term Share Certificates
$50,000
4.00%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMar 13, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 6 Month Tier 2
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sunrise Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
2300 Como Ave, Saint Paul, MN 55108
6-month CDs
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 6 Month Tier 1
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
6 Month Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
3 & 6-Month Term Share Certificates
$50
3.50%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
6 Month Certificate of Deposit
$1,000
3.23%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
102 Gold St S, Wykoff, MN 55990
6 Month Digital CD
$1,000
2.87%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 6 Month
$0
2.85%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
6 Month Certificate of Deposit
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
6 MONTH CERTIFICATE
$1,000
1.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Dacotah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
7 E Us Highway 12, Groton, SD 57445
6 month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 12 Month Tier 2
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit 12 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
12-Month Term Share Certificate
$50,000
3.50%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMar 13, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
26 W 7th Ave, Webster, SD 57274
1 Year Certificates of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 12 Month Tier 1
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
12-month Certificate of Deposit
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
12 MO VARIABLE SHARE CERT.
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
1 Year Certificate of Deposit
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD 57350 1945
12 Month Certificates (youth - under 18)
$100
3.25%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD 57350 1945
12 Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
First Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
520 6th St, Brookings, SD 57006
12-Month Liquid CD
$5,000
3.25%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 17, 2026
Details
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
102 Gold St S, Wykoff, MN 55990
12 Month Digital CD
$1,000
3.20%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
12-Month Term Share Certificate
$50
3.00%
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 12 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
12 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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%
26 W 7th Ave, Webster, SD 57274
18 Month Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
18 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
18 MONTH CERTIFICATE
$1,000
2.27%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
18-Month Certificates of Deposit
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
QUARTERLY
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
18-Month Certificates of Deposit
$500
2.26%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
SEMI-ANNUALLY
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
18 Month Certificates of Deposit (CDs)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
18-Month Fixed Rate IRA & SEP
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
18-Month Variable IRA & SEP
$10
1.51%
▼
Rate1.50%
Min Deposit$10
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
26 W 7th Ave, Webster, SD 57274
2 Year Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
2 Year Certificate of Deposit
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
24 Month Certificates of Deposit (CDs)
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA 91763
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 24 Month Tier 2
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
24 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 24 Month Tier 1
$0
2.95%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
24 MONTH CERTIFICATE
$1,000
2.53%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
24-Month Certificates of Deposit
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
QUARTERLY
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 24 Month
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit 24 Month
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 24 Month
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
36 Month Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
3 Year Certificate of Deposit
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
26 W 7th Ave, Webster, SD 57274
3 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
36-Month Certificates of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
QUARTERLY
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
36-Month Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
SEMI-ANNUALLY
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
36 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 36 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
36 MONTH CERTIFICATE
$1,000
2.63%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 36 Month Tier 2
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 36 Month Tier 1
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 36 Month
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
549 Broadway St, Centerville, SD 57014
IRA Certificate of Deposit 36 Month
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 36 Month
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 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%
204 S Main Ave, Wagner, SD 57380
48-Month Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
QUARTERLY
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
48-Month Certificates of Deposit
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
SEMI-ANNUALLY
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
4 Year Certificate of Deposit
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
26 W 7th Ave, Webster, SD 57274
4 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
48 Month Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
48 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 48 Month Tier 2
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
48 MONTH CERTIFICATE
$1,000
2.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 48 Month Tier 1
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 48 Month
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
48-Month Fixed Rate IRA & SEP
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 48 Month
$0
1.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 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%
26 W 7th Ave, Webster, SD 57274
5 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
36, 48 & 60-Month Term Share Certificates
$50
3.25%
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA 91763
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
60 Month Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
60 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 60 Month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
60 MONTH CERTIFICATE
$1,000
2.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 60 Month Tier 2
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD 57706
Share Certificates & IRA Certificates 60 Month Tier 1
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 60 Month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dacotah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
7 E Us Highway 12, Groton, SD 57445
24-36-48-60 month CD
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 60 Month
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Java, South Dakota
Are CD rates in Java, South Dakota FDIC insured?
Yes, most established banks in Java, 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 Java, 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 Java, 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 Java, 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 Java, South Dakota?
Here are recent top rates found for this area:
- East River Federal Credit Union: 4.00% APY (3 & 6-Month Term Share Certificates)
- Sentinel Federal Credit Union: 4.00% APY (Share Certificates & IRA Certificates 6 Month Tier 2)
- Sunrise Banks National Association: 3.80% APY (6-month CDs)
- OAB One American Bank: 3.70% APY (IRA Certificate of Deposit 12 Month)
- SNB Security National Bank of SD: 3.65% APY (6 Month Certificates of Deposit (CDs))
- Commercial State Bank, of Wagner: 3.54% APY (48-Month Certificates of Deposit)
- 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 Java, South Dakota. Last Updated: March 21, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Java, 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 Java, 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: March 21, 2026
