Willow Lake, South Dakota Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Willow Lake, South Dakota CD rates range from 0.05% to 5.10% APY, verified by MonitorBankRates as of October 23, 2026. Current Willow Lake, South Dakota CD rates include Dacotah BankDacotah Bank111 Garfield St, Willow Lake, SD 57278A5.0 ★Texas Ratio: 12.58%Real return: -1.95%APY minus CPIRate verified Oct 20, 2026 offering 24-36-48-60 Month CD at 1.75% APY, Explorers Federal Credit UnionExplorers Federal Credit UnionA+5.0 ★Texas Ratio: 3.06%Real return: +1.40%APY minus CPIRate verified Oct 23, 2026 offering 36 Month Youth Certificate at 5.10% APY, Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.58%Real return: +1.20%APY minus CPIRate verified Oct 20, 2026 offering 24 Month CD at 4.90% APY, American Bank & TrustAmerican Bank & TrustA+5.0 ★Texas Ratio: 3.70%Real return: +0.90%APY minus CPIRate verified Oct 22, 2026 offering 12 Month CD & IRA-CD Special Offer at 4.60% APY, and CorTrust BankCorTrust BankA+5.0 ★Texas Ratio: 5.11%Real return: +0.60%APY minus CPIRate verified Oct 20, 2026 offering Certificates of Deposit - 3 Year at 4.30% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Willow Lake has 6 local institutions in our database, with CD rates as high as 1.75% APY from Dacotah Bank at 111 Garfield St, Willow Lake, SD 57278. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader South Dakota area. Rates are continually updated, so 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: October 23, 2026
Compare Best CD Rates in Willow Lake, South Dakota & the Surrounding Area
Willow Lake 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
3 Month CD
$500
0.70%
▼ 1.71% below South Dakota avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▼ 1.71% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
4.27%
▲ 1.86% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▲ 1.86% above avgNationally 2.13%
Details
Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
- Sep 27, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 18, 20264.16%▲ from 3.96%
- Sep 8, 20263.96%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 3 months
$1,000
3.96%
▲ 1.55% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average2.41%▲ 1.55% above avgNationally 2.13%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 MONTH CERTIFICATE
$100,000
3.90%
▲ 1.49% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average2.41%▲ 1.49% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
CD Specials - 3 Month
$50,000
3.85%
▲ 1.44% above South Dakota avg
▼
Rate3.80%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average2.41%▲ 1.44% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
3.75%
▲ 1.34% above South Dakota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▲ 1.34% above avgNationally 2.13%
Details
Rate History
2 changes since Sep 8, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.85% / low 3.55%
- Oct 2, 20263.75%▼ from 3.85%
- Sep 18, 20263.85%▲ from 3.55%
- Sep 8, 20263.55%first recorded
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 MONTH CERTIFICATE
$500
3.75%
▲ 1.34% above South Dakota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average2.41%▲ 1.34% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Share Certificate
$1,000
3.55%
▲ 1.14% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average2.41%▲ 1.14% above avgNationally 2.13%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$0
3.29%
▲ 0.88% above South Dakota avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average2.41%▲ 0.88% above avgNationally 2.13%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
3.24%
▲ 0.83% above South Dakota avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▲ 0.83% above avgNationally 2.13%
Details
Rate History
1 change since Sep 8, 2026 · 3.34% → 3.24% ▼ 0.10 pts · high 3.34% / low 3.24%
- Oct 2, 20263.24%▼ from 3.34%
- Sep 8, 20263.34%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month CD
$0
3.03%
▲ 0.62% above South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▲ 0.62% above avgNationally 2.13%
Details
Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 11 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate of Deposit
$1,000
3.03%
▲ 0.62% above South Dakota avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▲ 0.62% above avgNationally 2.13%
Details
Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 11 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 MONTH CERTIFICATE
$2,500
3.02%
▲ 0.61% above South Dakota avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▲ 0.61% above avgNationally 2.13%
Details
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 6 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
2.78%
▲ 0.37% above South Dakota avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average2.41%▲ 0.37% above avgNationally 2.13%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 2.78% APY · checked 2 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Certificate of Deposit
$100
2.75%
▲ 0.34% above South Dakota avg
▼
Rate2.71%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average2.41%▲ 0.34% above avgNationally 2.13%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 2.64% → 2.75% ▲ 0.11 pts · high 2.75% / low 2.64%
- Oct 22, 20262.75%▲ from 2.64%
- Oct 8, 20262.64%first recorded
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Share Certificates
$0
2.25%
▼ 0.16% below South Dakota avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▼ 0.16% below avgNationally 2.13%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 MONTH CERTIFICATE
$1,000
1.01%
▼ 1.40% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average2.41%▼ 1.40% below avgNationally 2.13%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 1.01% APY · checked 6 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 3 Month
$25,000
0.15%
▼ 2.26% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▼ 2.26% below avgNationally 2.13%
Details
Balance: $25,000 minimum; APYE: 0.15%
Rate History
No change since Oct 19, 2026 · 0.15% APY
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 3 Month
$250
0.10%
▼ 2.31% below South Dakota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▼ 2.31% below avgNationally 2.13%
Details
Balance: $250 minimum; APYE: 0.10%
Rate History
No change since Oct 19, 2026 · 0.10% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.35% below South Dakota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▼ 2.35% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.36% below South Dakota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average2.41%▼ 2.36% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.36% below South Dakota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▼ 2.36% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.36% below South Dakota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average2.41%▼ 2.36% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Willow Lake 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
6 Month CD
$500
0.90%
▼ 2.31% below South Dakota avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▼ 2.31% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 3 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.35%
▲ 1.14% above South Dakota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 1.14% above avgNationally 2.78%
Details
Rate History
5 changes since Sep 8, 2026 · 4.14% → 4.35% ▲ 0.21 pts · high 4.45% / low 4.14%
- Oct 20, 20264.35%▼ from 4.45%
- Oct 14, 20264.45%▲ from 4.35%
- Oct 7, 20264.35%▼ from 4.45%
- Sep 27, 20264.45%▲ from 4.35%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.14%
▲ 0.93% above South Dakota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 0.93% above avgNationally 2.78%
Details
Rate History
4 changes since Sep 8, 2026 · 3.94% → 4.14% ▲ 0.20 pts · high 4.24% / low 3.94%
- Oct 20, 20264.14%▼ from 4.24%
- Oct 14, 20264.24%▲ from 4.14%
- Oct 2, 20264.14%▲ from 4.04%
- Sep 18, 20264.04%▲ from 3.94%
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
CD Specials - 6 Month
$50,000
4.05%
▲ 0.84% above South Dakota avg
▼
Rate3.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.21%▲ 0.84% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 4.05% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
4.04%
▲ 0.83% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 0.83% above avgNationally 2.78%
Details
Rate History
5 changes since Sep 8, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.14% / low 3.63%
- Oct 20, 20264.04%▼ from 4.14%
- Oct 14, 20264.14%▲ from 3.94%
- Oct 7, 20263.94%▼ from 4.04%
- Oct 2, 20264.04%▲ from 3.73%
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 6 months
$1,000
4.01%
▲ 0.80% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.21%▲ 0.80% above avgNationally 2.78%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 6 months
$500
4.01%
▲ 0.80% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.80% above avgNationally 2.78%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6 Month Certificate
$100
4.00%
▲ 0.79% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.79% above avgNationally 2.78%
Details
Minimum Opening Balance $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (13 to 18); Dividends compounded daily and credited monthly; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Share Certificates - 6 Months
$0
4.00%
▲ 0.79% above South Dakota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.79% above avgNationally 2.78%
Details
Some Restrictions Apply; Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.00% APY
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 6 months
$500
3.96%
▲ 0.75% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.75% above avgNationally 2.78%
Details
Balance: Under $10,000; Dividend rate 3.89%
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
3.94%
▲ 0.73% above South Dakota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 0.73% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 8, 2026 · 3.33% → 3.94% ▲ 0.61 pts · high 4.04% / low 3.33%
- Oct 20, 20263.94%▼ from 4.04%
- Oct 14, 20264.04%▲ from 3.33%
- Sep 8, 20263.33%first recorded
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 MO CERTIFICATE
$100,000
3.90%
▲ 0.69% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.69% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 6 Months
$0
3.80%
▲ 0.59% above South Dakota avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.59% above avgNationally 2.78%
Details
Balance: $50,000 - $99,999; Liquid Certificate available for 6-month term; Unlimited deposits and 2 penalty-free withdrawals; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate
$0
3.80%
▲ 0.59% above South Dakota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.59% above avgNationally 2.78%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 2 times
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$2,500
3.79%
▲ 0.58% above South Dakota avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 0.58% above avgNationally 2.78%
Details
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Rate History
1 change since Oct 14, 2026 · 3.78% → 3.79% ▲ 0.01 pts · high 3.79% / low 3.78%
- Oct 20, 20263.79%▲ from 3.78%
- Oct 14, 20263.78%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Certificate of Deposit
$1,000
3.79%
▲ 0.58% above South Dakota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▲ 0.58% above avgNationally 2.78%
Details
Rate History
1 change since Sep 8, 2026 · 3.59% → 3.79% ▲ 0.20 pts · high 3.79% / low 3.59%
- Oct 2, 20263.79%▲ from 3.59%
- Sep 8, 20263.59%first recorded
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 6 Month
$1,000
3.75%
▲ 0.54% above South Dakota avg
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 6 Months
$0
3.75%
▲ 0.54% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Balance: $15,000 - $29,999; Liquid Certificate available for 6-month term; Unlimited deposits and 2 penalty-free withdrawals; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 MO CERTIFICATE
$500
3.75%
▲ 0.54% above South Dakota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 6 MONTH
$0
3.75%
▲ 0.54% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Balance: $5,000; Dividends paid quarterly; Penalty: loss of one quarter's earnings
Rate History
2 changes since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 8, 20263.75%▲ from 3.70%
- Oct 4, 20263.70%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 6 Month
$0
3.75%
▲ 0.54% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month Certificate
$1,000
3.75%
▲ 0.54% above South Dakota avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.54% above avgNationally 2.78%
Details
Rate History
No change since Oct 23, 2026 · 3.75% APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 6 Months
$0
3.70%
▲ 0.49% above South Dakota avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.49% above avgNationally 2.78%
Details
Balance: $1,000 - $4,999; Liquid Certificate available for 6-month term; Unlimited deposits and 2 penalty-free withdrawals; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
6 Month Share Certificate
$1,000
3.68%
▲ 0.47% above South Dakota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.47% above avgNationally 2.78%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 7 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month - Platinum Rate
$500
3.60%
▲ 0.39% above South Dakota avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.39% above avgNationally 2.78%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
6 Month Share Certificate
$0
3.50%
▲ 0.29% above South Dakota avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.29% above avgNationally 2.78%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month - Honors Rate
$500
3.45%
▲ 0.24% above South Dakota avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.24% above avgNationally 2.78%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.45% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month
$500
3.40%
▲ 0.19% above South Dakota avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.19% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.40% APY
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$0
3.38%
▲ 0.17% above South Dakota avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.21%▲ 0.17% above avgNationally 2.78%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.38% APY · checked 3 times
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
6 Month Certificate of Deposit
$500
3.29%
▲ 0.08% above South Dakota avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.21%▲ 0.08% above avgNationally 2.78%
Details
Personal Accounts: Apply Online; Business Accounts: Apply Online
Rate History
No change since Oct 20, 2026 · 3.29% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
6 MONTH CERTIFICATE
$2,500
3.28%
▲ 0.07% above South Dakota avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▲ 0.07% above avgNationally 2.78%
Details
Rate History
No change since Sep 30, 2026 · 3.28% APY · checked 6 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 6 Month
$0
3.25%
▲ 0.04% above South Dakota avg
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▲ 0.04% above avgNationally 2.78%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply
Rate History
1 change since Sep 20, 2026 · 3.22% → 3.25% ▲ 0.03 pts · high 3.25% / low 3.22%
- Oct 12, 20263.25%▲ from 3.22%
- Sep 20, 20263.22%first recorded
Minnwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6 Month Digital CD
$1,000
3.07%
▼ 0.14% below South Dakota avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▼ 0.14% below avgNationally 2.78%
Details
Digital CD Specials - Online Exclusive; Online Only
Rate History
1 change since Sep 14, 2026 · 2.87% → 3.07% ▲ 0.20 pts · high 3.07% / low 2.87%
- Sep 24, 20263.07%▲ from 2.87%
- Sep 14, 20262.87%first recorded
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
3 & 6-Month Term Share Certificate
$0
3.04%
▼ 0.17% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▼ 0.17% below avgNationally 2.78%
Details
Balance: $50+; Footnote: *APY = Annual Percentage Yield
Rate History
No change since Oct 23, 2026 · 3.04% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
3.02%
▼ 0.19% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▼ 0.19% below avgNationally 2.78%
Details
Rate History
1 change since Sep 8, 2026 · 3.12% → 3.02% ▼ 0.10 pts · high 3.12% / low 3.02%
- Oct 20, 20263.02%▼ from 3.12%
- Sep 8, 20263.12%first recorded
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
6 Month Certificate of Deposit
$2,000
3.00%
▼ 0.21% below South Dakota avg
▼
Rate2.98%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.21%▼ 0.21% below avgNationally 2.78%
Details
Min. Balance for APY: $2,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
6 Month Triple Option CD
$0
3.00%
▼ 0.21% below South Dakota avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.21%▼ 0.21% below avgNationally 2.78%
Details
Minimum balance to open the account and obtain the stated APY: $2,000; Interest Rate: 2.98%
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
6 Month Share Certificate
$500
3.00%
▼ 0.21% below South Dakota avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▼ 0.21% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Certificate of Deposit
$100
2.85%
▼ 0.36% below South Dakota avg
▼
Rate2.81%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.21%▼ 0.36% below avgNationally 2.78%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 22, 20262.85%▲ from 2.75%
- Oct 8, 20262.75%first recorded
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Month Share Certificates
$0
2.30%
▼ 0.91% below South Dakota avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 0.91% below avgNationally 2.78%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 2.30% APY · checked 2 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 MONTH CERTIFICATE
$1,000
1.51%
▼ 1.70% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.21%▼ 1.70% below avgNationally 2.78%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 1.51% APY · checked 6 times
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Month Share Certificates
$0
0.75%
▼ 2.46% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 2.46% below avgNationally 2.78%
Details
$25,001 - $250,000; Balance: $25,001 - $250,000; $250 minimum balance requirement for all share certificates
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 2 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 6 Month
$25,000
0.20%
▼ 3.01% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 3.01% below avgNationally 2.78%
Details
Balance: $25,000 minimum; APYE: 0.20%
Rate History
No change since Oct 19, 2026 · 0.20% APY
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 6 Month
$250
0.15%
▼ 3.06% below South Dakota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 3.06% below avgNationally 2.78%
Details
Balance: $250 minimum; APYE: 0.15%
Rate History
No change since Oct 19, 2026 · 0.15% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 3.15% below South Dakota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▼ 3.15% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 3.16% below South Dakota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.16% below South Dakota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Standard CD
$1,000
0.05%
▼ 3.16% below South Dakota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Willow Lake 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
12 Month CD
$500
1.70%
▼ 1.66% below South Dakota avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▼ 1.66% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 3 times
American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 Month CD & IRA-CD Special Offer
$5,000
4.60%
▲ 1.24% above South Dakota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 1.24% above avgNationally 2.99%
Details
Two penalty-free withdrawals after account established for 7 days, minimum $1,000 per withdrawal; additional withdrawals may incur penalty; Checking Account Relationship required; not available for Public Funds; offer applies to CD renewals or new money to AB&T only; IRA-CDs consult financial advisor or tax professional
Rate History
No change since Oct 22, 2026 · 4.60% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.50%
▲ 1.14% above South Dakota avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 1.14% above avgNationally 2.99%
Details
Rate History
4 changes since Sep 8, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.60% / low 4.20%
- Oct 20, 20264.50%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.50%
- Sep 24, 20264.50%▲ from 4.40%
- Sep 18, 20264.40%▲ from 4.20%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.40%
▲ 1.04% above South Dakota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 1.04% above avgNationally 2.99%
Details
Rate History
5 changes since Sep 8, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.50% / low 4.05%
- Oct 20, 20264.40%▼ from 4.50%
- Oct 14, 20264.50%▲ from 4.40%
- Oct 2, 20264.40%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 12 Month
$0
4.24%
▲ 0.88% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 0.88% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 8, 2026 · 3.63% → 4.24% ▲ 0.61 pts · high 4.24% / low 3.63%
- Oct 2, 20264.24%▲ from 4.04%
- Sep 18, 20264.04%▲ from 3.63%
- Sep 8, 20263.63%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.20%
▲ 0.84% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 0.84% above avgNationally 2.99%
Details
Rate History
4 changes since Sep 8, 2026 · 3.60% → 4.20% ▲ 0.60 pts · high 4.30% / low 3.60%
- Oct 20, 20264.20%▼ from 4.30%
- Oct 14, 20264.30%▲ from 4.20%
- Oct 2, 20264.20%▲ from 4.00%
- Sep 18, 20264.00%▲ from 3.60%
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 12 months
$1,000
4.11%
▲ 0.75% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.75% above avgNationally 2.99%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 2 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 1 Year
$500
4.10%
▲ 0.74% above South Dakota avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 0.74% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 20, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate
$0
4.06%
▲ 0.70% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.70% above avgNationally 2.99%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 4.06% APY · checked 2 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
CD Specials - 12 Month
$50,000
4.05%
▲ 0.69% above South Dakota avg
▼
Rate3.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.69% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.05% APY
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
IRA Certificate of Deposit - 12 Month
$2,500
4.05%
▲ 0.69% above South Dakota avg
▼
Rate3.99%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.69% above avgNationally 2.99%
Details
IRA Certificate of Deposit; Substantial penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.05% ▲ 0.04 pts · high 4.05% / low 4.01%
- Oct 7, 20264.05%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 12 months
$250
4.01%
▲ 0.65% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.65% above avgNationally 2.99%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 12 months
$500
4.01%
▲ 0.65% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.65% above avgNationally 2.99%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
4.00%
▲ 0.64% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Rate History
4 changes since Sep 8, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.10% / low 3.40%
- Oct 20, 20264.00%▼ from 4.10%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.40%
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 12 Month
$1,000
4.00%
▲ 0.64% above South Dakota avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Months Certificate
$1,000
4.00%
▲ 0.64% above South Dakota avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 12 Months Certificate
$1,000
4.00%
▲ 0.64% above South Dakota avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 Month Share Certificates
$0
4.00%
▲ 0.64% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Certificate
$100
4.00%
▲ 0.64% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.64% above avgNationally 2.99%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 12 months
$250
3.96%
▲ 0.60% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.60% above avgNationally 2.99%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 12 months
$500
3.96%
▲ 0.60% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.60% above avgNationally 2.99%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1 YEAR CERTIFICATE
$100,000
3.90%
▲ 0.54% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 12 MONTH
$0
3.90%
▲ 0.54% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.54% above avgNationally 2.99%
Details
Balance: $500; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
2 changes since Sep 20, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 8, 20263.90%▲ from 3.20%
- Oct 4, 20263.20%▲ from 3.00%
- Sep 20, 20263.00%first recorded
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
12 Month Certificate of Deposit
$500
3.80%
▲ 0.44% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.44% above avgNationally 2.99%
Details
Personal Accounts: Apply Online; Business Accounts: Apply Online
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12 Month Share Certificate
$1,000
3.78%
▲ 0.42% above South Dakota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.42% above avgNationally 2.99%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Certificate of Deposit
$1,000
3.75%
▲ 0.39% above South Dakota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 2, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
12 Month Certificate of Deposit
$2,000
3.75%
▲ 0.39% above South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Min. Balance for APY: $2,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
12 Month Triple Option CD
$0
3.75%
▲ 0.39% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Minimum balance to open the account and obtain the stated APY: $2,000
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 5 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1 YEAR CERTIFICATE
$1,000
3.75%
▲ 0.39% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 12 Month
$0
3.75%
▲ 0.39% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Balance: $25,000.00 - $49,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month - Platinum Rate
$500
3.75%
▲ 0.39% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.39% above avgNationally 2.99%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.75% APY
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 12 Month
$0
3.65%
▲ 0.29% above South Dakota avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.29% above avgNationally 2.99%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
12 Month Share Certificate
$0
3.60%
▲ 0.24% above South Dakota avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.24% above avgNationally 2.99%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month - Honors Rate
$500
3.60%
▲ 0.24% above South Dakota avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.24% above avgNationally 2.99%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month
$500
3.55%
▲ 0.19% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.19% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 12 Month
$500
3.55%
▲ 0.19% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.19% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
1 YEAR CERTIFICATE
$500
3.55%
▲ 0.19% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▲ 0.19% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 6 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Certificate of Deposit
$100
3.50%
▲ 0.14% above South Dakota avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▲ 0.14% above avgNationally 2.99%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 22, 20263.50%▲ from 3.00%
- Oct 8, 20263.00%first recorded
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share Certificates
$0
3.50%
▲ 0.14% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▲ 0.14% above avgNationally 2.99%
Details
Rates as of 10/31/2014; Dividend rate; APY not published
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 1 Year
$0
3.44%
▲ 0.08% above South Dakota avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.36%▲ 0.08% above avgNationally 2.99%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.44% APY · checked 3 times
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Certificate of Deposit - 12-Month CD
$500
3.35%
▼ 0.01% below South Dakota avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▼ 0.01% below avgNationally 2.99%
Details
Deposit range $500-10,000; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
3.30%
▼ 0.06% below South Dakota avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.36%▼ 0.06% below avgNationally 2.99%
Details
Rate History
2 changes since Sep 8, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.40% / low 3.20%
- Oct 20, 20263.30%▼ from 3.40%
- Sep 18, 20263.40%▲ from 3.20%
- Sep 8, 20263.20%first recorded
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 12 Month
$0
3.30%
▼ 0.06% below South Dakota avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.06% below avgNationally 2.99%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply
Rate History
1 change since Sep 20, 2026 · 3.26% → 3.30% ▲ 0.04 pts · high 3.30% / low 3.26%
- Oct 12, 20263.30%▲ from 3.26%
- Sep 20, 20263.26%first recorded
First Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
12-Month Liquid CD
$5,000
3.25%
▼ 0.11% below South Dakota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.36%▼ 0.11% below avgNationally 2.99%
Details
Rate effective as of 8/26/2025; compounded interest credited at maturity; must maintain a minimum daily balance of $1000 to obtain the APY, account closes if balance falls below $1000; withdrawal penalty within first 6 days; up to 4 withdrawals during term, each minimum $1000 and more than 6 days after the previous withdrawal
Rate History
No change since Oct 22, 2026 · 3.25% APY
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 12 Month Certificates
$0
3.25%
▼ 0.11% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.36%▼ 0.11% below avgNationally 2.99%
Details
Balance: $500+; dividends annually; Required minimum for share certificates to earn APY; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.25% APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 12 Months
$0
3.15%
▼ 0.21% below South Dakota avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.21% below avgNationally 2.99%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 12 Months
$0
3.10%
▼ 0.26% below South Dakota avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.26% below avgNationally 2.99%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 12 Months
$0
3.05%
▼ 0.31% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.31% below avgNationally 2.99%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
12-Month Term Share Certificate
$250
2.53%
▼ 0.83% below South Dakota avg
▼
Rate2.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.83% below avgNationally 2.99%
Details
Balance: $250 - $49,999.99; $250 min. to open; NO max. to earn; Rates Effective As Of: April 7, 2026
Rate History
No change since Sep 21, 2026 · 2.53% APY · checked 9 times
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
IRA 12 Month
$500
2.52%
▼ 0.84% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.36%▼ 0.84% below avgNationally 2.99%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
Willow Lake 18 Month CD Rates
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%
Certificates of Deposit (CDs) - 18 Month
$1,000
4.25%
▲ 0.94% above South Dakota avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.31%▲ 0.94% above avgNationally 2.88%
Details
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 18 Month
$500
4.20%
▲ 0.89% above South Dakota avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.31%▲ 0.89% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 20, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate Special
$0
4.20%
▲ 0.89% above South Dakota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.31%▲ 0.89% above avgNationally 2.88%
Details
CD Specials
Rate History
4 changes since Sep 8, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.30% / low 4.00%
- Oct 20, 20264.20%▼ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 24, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%▲ from 4.00%
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 18 months
$1,000
4.11%
▲ 0.80% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.31%▲ 0.80% above avgNationally 2.88%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 2 times
BankStar Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18-Month CD
$0
4.01%
▲ 0.70% above South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.31%▲ 0.70% above avgNationally 2.88%
Details
CD Specials; Annual Percentage Yield accurate as of September 21, 2026; Penalty for early withdrawal; Institutional or Public Funds not eligible
Rate History
No change since Sep 30, 2026 · 4.01% APY · checked 5 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 18 months
$250
4.01%
▲ 0.70% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.70% above avgNationally 2.88%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 18 months
$500
4.01%
▲ 0.70% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.70% above avgNationally 2.88%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18 Month Certificate
$100
4.00%
▲ 0.69% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.31%▲ 0.69% above avgNationally 2.88%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (13 to 18); Dividends compounded daily and credited monthly
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 18 months
$250
3.96%
▲ 0.65% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.65% above avgNationally 2.88%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 18 months
$500
3.96%
▲ 0.65% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.65% above avgNationally 2.88%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Certificate of Deposit
$1,000
3.75%
▲ 0.44% above South Dakota avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.31%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 7 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 18 Month
$0
3.75%
▲ 0.44% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.44% above avgNationally 2.88%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
18 Month Share Certificate
$0
3.70%
▲ 0.39% above South Dakota avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.39% above avgNationally 2.88%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.70% APY · checked 3 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 MONTH CERTIFICATE
$500
3.55%
▲ 0.24% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.31%▲ 0.24% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 6 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Month Share Certificate
$1,000
3.53%
▲ 0.22% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.22% above avgNationally 2.88%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 18 Month
$0
3.40%
▲ 0.09% above South Dakota avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▲ 0.09% above avgNationally 2.88%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply
Rate History
1 change since Sep 20, 2026 · 3.36% → 3.40% ▲ 0.04 pts · high 3.40% / low 3.36%
- Oct 12, 20263.40%▲ from 3.36%
- Sep 20, 20263.36%first recorded
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Certificate of Deposit
$100
3.25%
▼ 0.06% below South Dakota avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.31%▼ 0.06% below avgNationally 2.88%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 22, 20263.25%▲ from 3.00%
- Oct 8, 20263.00%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 18 MONTH
$0
2.60%
▼ 0.71% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 0.71% below avgNationally 2.88%
Details
Balance: $500; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
- Oct 4, 20262.60%▲ from 2.40%
- Sep 20, 20262.40%first recorded
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate - 18 Month
$500
2.52%
▼ 0.79% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 0.79% below avgNationally 2.88%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 18 MONTH
$0
2.45%
▼ 0.86% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 0.86% below avgNationally 2.88%
Details
Balance: $5,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.40% → 2.45% ▲ 0.05 pts · high 2.45% / low 2.40%
- Oct 4, 20262.45%▲ from 2.40%
- Sep 20, 20262.40%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 18 MONTH
$0
2.35%
▼ 0.96% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 0.96% below avgNationally 2.88%
Details
Balance: $50,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.40% → 2.35% ▼ 0.05 pts · high 2.40% / low 2.35%
- Oct 4, 20262.35%▼ from 2.40%
- Sep 20, 20262.40%first recorded
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 MONTH CERTIFICATE
$1,000
2.27%
▼ 1.04% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 1.04% below avgNationally 2.88%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 2.27% APY · checked 6 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Share Certificate
$0
2.27%
▼ 1.04% below South Dakota avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 1.04% below avgNationally 2.88%
Details
Balance: $10,000.01 - $50,000.00
Rate History
No change since Oct 15, 2026 · 2.27% APY · checked 2 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Share Certificate
$0
2.25%
▼ 1.06% below South Dakota avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 1.06% below avgNationally 2.88%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 2 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
18 Month Share Certificate
$1,000
1.75%
▼ 1.56% below South Dakota avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.31%▼ 1.56% below avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 12, 2026 · 1.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.56% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.31%▼ 2.56% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75%
▼ 2.56% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.31%▼ 2.56% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Willow Lake 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
24 Month Rate Option CD
$500
1.65%
▼ 1.44% below South Dakota avg
▼
Rate1.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▼ 1.44% below avgNationally 2.90%
Details
Rate Option
Rate History
No change since Oct 20, 2026 · 1.65% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.90%
▲ 1.81% above South Dakota avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.81% above avgNationally 2.90%
Details
Minimum balance printed as "$500,00.00"
Rate History
3 changes since Sep 8, 2026 · 4.30% → 4.90% ▲ 0.60 pts · high 5.00% / low 4.30%
- Oct 20, 20264.90%▼ from 5.00%
- Oct 2, 20265.00%▲ from 4.80%
- Sep 18, 20264.80%▲ from 4.30%
- Sep 8, 20264.30%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.70%
▲ 1.61% above South Dakota avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.61% above avgNationally 2.90%
Details
Rate History
4 changes since Sep 8, 2026 · 4.15% → 4.70% ▲ 0.55 pts · high 4.80% / low 4.15%
- Oct 20, 20264.70%▼ from 4.80%
- Oct 2, 20264.80%▲ from 4.60%
- Sep 27, 20264.60%▲ from 4.50%
- Sep 18, 20264.50%▲ from 4.15%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 24 Month
$0
4.45%
▲ 1.36% above South Dakota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 8, 2026 · 3.84% → 4.45% ▲ 0.61 pts · high 4.55% / low 3.84%
- Oct 20, 20264.45%▼ from 4.55%
- Oct 2, 20264.55%▲ from 4.24%
- Sep 18, 20264.24%▲ from 3.84%
- Sep 8, 20263.84%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.40%
▲ 1.31% above South Dakota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.31% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 8, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.50% / low 3.80%
- Oct 20, 20264.40%▼ from 4.50%
- Oct 2, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%▲ from 3.80%
- Sep 8, 20263.80%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 2 Year
$500
4.25%
▲ 1.16% above South Dakota avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 20, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$2,500
4.20%
▲ 1.11% above South Dakota avg
▼
Rate4.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.11% above avgNationally 2.90%
Details
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 20, 20264.20%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 24 months
$1,000
4.16%
▲ 1.07% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.09%▲ 1.07% above avgNationally 2.90%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.16% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.10%
▲ 1.01% above South Dakota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 1.01% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 8, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.20% / low 3.50%
- Oct 20, 20264.10%▼ from 4.20%
- Oct 2, 20264.20%▲ from 4.00%
- Sep 18, 20264.00%▲ from 3.50%
- Sep 8, 20263.50%first recorded
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Flex CD Account
$1,000
4.06%
▲ 0.97% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.09%▲ 0.97% above avgNationally 2.90%
Details
Make additional deposits up to your initial amount; withdraw funds without penalty up to four times after the first week on deposit; increase rate one time during the term; public entities not eligible; APY effective 10/20/2026
Rate History
1 change since Sep 18, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 2, 20264.06%▲ from 3.29%
- Sep 18, 20263.29%first recorded
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 24 months
$250
4.01%
▲ 0.92% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.92% above avgNationally 2.90%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 24 months
$500
4.01%
▲ 0.92% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.92% above avgNationally 2.90%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24 Month Certificate
$100
4.00%
▲ 0.91% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Minimum opening balance $100.00 to $499.99; Requires VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (13 to 18) membership; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 24 months
$250
3.96%
▲ 0.87% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.87% above avgNationally 2.90%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 24 months
$500
3.96%
▲ 0.87% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.87% above avgNationally 2.90%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2 YEAR CERTIFICATE
$100,000
3.90%
▲ 0.81% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.81% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month - Platinum Rate
$500
3.84%
▲ 0.75% above South Dakota avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.75% above avgNationally 2.90%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.84% APY
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2 YEAR CERTIFICATE
$1,000
3.75%
▲ 0.66% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.66% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 24 Month
$0
3.75%
▲ 0.66% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.66% above avgNationally 2.90%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month - Honors Rate
$500
3.69%
▲ 0.60% above South Dakota avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.60% above avgNationally 2.90%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.69% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month
$500
3.65%
▲ 0.56% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 24 Month
$500
3.65%
▲ 0.56% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 2 Year
$0
3.55%
▲ 0.46% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.09%▲ 0.46% above avgNationally 2.90%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Months Certificate
$1,000
3.55%
▲ 0.46% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 24 Months Certificate
$1,000
3.55%
▲ 0.46% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
2 YEAR SHARE CERTIFICATE
$500
3.55%
▲ 0.46% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 6 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Certificate of Deposit
$1,000
3.50%
▲ 0.41% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 0.41% above avgNationally 2.90%
Details
Rate History
1 change since Sep 8, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 2, 20263.50%▲ from 3.40%
- Sep 8, 20263.40%first recorded
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
24 Month Share Certificate
$0
3.50%
▲ 0.41% above South Dakota avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.41% above avgNationally 2.90%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Month Share Certificates
$0
3.50%
▲ 0.41% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.09%▲ 0.41% above avgNationally 2.90%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Certificate of Deposit - 24-Month CD
$500
3.45%
▲ 0.36% above South Dakota avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.09%▲ 0.36% above avgNationally 2.90%
Details
Deposit range $500-10,000; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24 Month Share Certificate
$1,000
3.33%
▲ 0.24% above South Dakota avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.24% above avgNationally 2.90%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 24 Month
$0
3.30%
▲ 0.21% above South Dakota avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.21% above avgNationally 2.90%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply; Rate change option available for 24, 36, 48 and 60 month terms
Rate History
1 change since Sep 20, 2026 · 3.26% → 3.30% ▲ 0.04 pts · high 3.30% / low 3.26%
- Oct 12, 20263.30%▲ from 3.26%
- Sep 20, 20263.26%first recorded
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 24 Month
$1,000
3.25%
▲ 0.16% above South Dakota avg
▼
Rate3.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.09%▲ 0.16% above avgNationally 2.90%
Details
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 2 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Certificate of Deposit
$100
3.25%
▲ 0.16% above South Dakota avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.09%▲ 0.16% above avgNationally 2.90%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 22, 20263.25%▲ from 3.00%
- Oct 8, 20263.00%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
3.20%
▲ 0.11% above South Dakota avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.09%▲ 0.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 8, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20%
- Oct 20, 20263.20%▼ from 3.30%
- Sep 8, 20263.30%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 24 Months
$0
3.13%
▲ 0.04% above South Dakota avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▲ 0.04% above avgNationally 2.90%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 24 Months
$0
3.07%
▼ 0.02% below South Dakota avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.02% below avgNationally 2.90%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 24 Months
$0
3.05%
▼ 0.04% below South Dakota avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.04% below avgNationally 2.90%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85%
▼ 0.24% below South Dakota avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.24% below avgNationally 2.90%
Details
Retirement Accounts; Dividend declaration: Quarterly
Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 4 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
24 Month Certificate of Deposit
$2,000
2.80%
▼ 0.29% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.09%▼ 0.29% below avgNationally 2.90%
Details
Min. Balance for APY: $75,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.80% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
24 Month Triple Option CD
$0
2.80%
▼ 0.29% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.09%▼ 0.29% below avgNationally 2.90%
Details
Minimum balance to open the account and obtain the stated APY: $75,000
Rate History
No change since Sep 19, 2026 · 2.80% APY · checked 5 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 MONTH CERTIFICATE
$1,000
2.53%
▼ 0.56% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.56% below avgNationally 2.90%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 2.53% APY · checked 6 times
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
18 & 24-Month Term Share Certificates
$0
2.53%
▼ 0.56% below South Dakota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.56% below avgNationally 2.90%
Details
Balance: $50+; Rates effective as of April 7, 2026
Rate History
No change since Oct 5, 2026 · 2.53% APY · checked 4 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate
$0
2.52%
▼ 0.57% below South Dakota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.57% below avgNationally 2.90%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 2.52% APY · checked 2 times
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate - 24 Month
$500
2.52%
▼ 0.57% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.57% below avgNationally 2.90%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 24 MONTH
$0
2.40%
▼ 0.69% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.69% below avgNationally 2.90%
Details
Balance: $50,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.20% → 2.40% ▲ 0.20 pts · high 2.40% / low 2.20%
- Oct 4, 20262.40%▲ from 2.20%
- Sep 20, 20262.20%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 24 MONTH
$0
2.35%
▼ 0.74% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.74% below avgNationally 2.90%
Details
Balance: $5,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.20% → 2.35% ▲ 0.15 pts · high 2.35% / low 2.20%
- Oct 4, 20262.35%▲ from 2.20%
- Sep 20, 20262.20%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 24 MONTH
$0
2.30%
▼ 0.79% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.79% below avgNationally 2.90%
Details
Balance: $500; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.20% → 2.30% ▲ 0.10 pts · high 2.30% / low 2.20%
- Oct 4, 20262.30%▲ from 2.20%
- Sep 20, 20262.20%first recorded
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificates
$0
2.20%
▼ 0.89% below South Dakota avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.09%▼ 0.89% below avgNationally 2.90%
Details
Rates as of 10/31/2014; Dividend rate; APY not published
Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
24 Month Certificate of Deposit
$2,000
2.05%
▼ 1.04% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.09%▼ 1.04% below avgNationally 2.90%
Details
Min. Balance for APY: $25,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.05% APY · checked 8 times
Willow Lake 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
36 Month Variable IRA CD
$0
1.75%
▼ 1.33% below South Dakota avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▼ 1.33% below avgNationally 2.81%
Details
IRA certificate; $500 minimum balance
Rate History
No change since Oct 20, 2026 · 1.75% APY
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Youth Certificate
$100
5.10%
▲ 2.02% above South Dakota avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 2.02% above avgNationally 2.81%
Details
Special youth certificate for members under 21; Maximum deposit: $500
Rate History
No change since Oct 22, 2026 · 5.10% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 36 Month
$0
4.86%
▲ 1.78% above South Dakota avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.78% above avgNationally 2.81%
Details
Rate History
6 changes since Sep 8, 2026 · 4.24% → 4.86% ▲ 0.62 pts · high 5.06% / low 4.24%
- Oct 20, 20264.86%▼ from 4.96%
- Oct 7, 20264.96%▼ from 5.06%
- Oct 2, 20265.06%▲ from 4.76%
- Sep 27, 20264.76%▲ from 4.65%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month CD
$0
4.80%
▲ 1.72% above South Dakota avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.72% above avgNationally 2.81%
Details
Rate History
6 changes since Sep 8, 2026 · 4.20% → 4.80% ▲ 0.60 pts · high 5.00% / low 4.20%
- Oct 20, 20264.80%▼ from 4.90%
- Oct 7, 20264.90%▼ from 5.00%
- Oct 2, 20265.00%▲ from 4.70%
- Sep 27, 20264.70%▲ from 4.60%
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 3 Year
$500
4.30%
▲ 1.22% above South Dakota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 20, 20264.30%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 36 months
$250
4.01%
▲ 0.93% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.93% above avgNationally 2.81%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 36 months
$500
4.01%
▲ 0.93% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.93% above avgNationally 2.81%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Certificate
$100
4.00%
▲ 0.92% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.92% above avgNationally 2.81%
Details
Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 36 months
$250
3.96%
▲ 0.88% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.88% above avgNationally 2.81%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 36 months
$500
3.96%
▲ 0.88% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.88% above avgNationally 2.81%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 36 months
$1,000
3.91%
▲ 0.83% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.83% above avgNationally 2.81%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 YEAR CERTIFICATE
$100,000
3.90%
▲ 0.82% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.82% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month - Platinum Rate
$500
3.84%
▲ 0.76% above South Dakota avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.76% above avgNationally 2.81%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.84% APY
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 YEAR CERTIFICATE
$1,000
3.75%
▲ 0.67% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 36 Month
$0
3.75%
▲ 0.67% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.67% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month - Honors Rate
$500
3.69%
▲ 0.61% above South Dakota avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.61% above avgNationally 2.81%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.69% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month
$500
3.65%
▲ 0.57% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 36 Month
$500
3.65%
▲ 0.57% above South Dakota avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Year
$0
3.60%
▲ 0.52% above South Dakota avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▲ 0.52% above avgNationally 2.81%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Months Certificate
$1,000
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.81%
Details
One Bump - Up per Term
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 36 Months Certificate
$1,000
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.81%
Details
One Bump - Up per Term
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 YEAR SHARE CERTIFICATE
$500
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 6 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.42% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 0.42% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 2, 20263.50%▲ from 3.30%
- Sep 8, 20263.30%first recorded
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 36 Month
$1,000
3.50%
▲ 0.42% above South Dakota avg
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.42% above avgNationally 2.81%
Details
Rate History
No change since Oct 21, 2026 · 3.50% APY · checked 2 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Certificate of Deposit
$100
3.50%
▲ 0.42% above South Dakota avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.42% above avgNationally 2.81%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 22, 20263.50%▲ from 3.00%
- Oct 8, 20263.00%first recorded
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Share Certificates
$0
3.50%
▲ 0.42% above South Dakota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.42% above avgNationally 2.81%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
36 Month Share Certificate
$0
3.25%
▲ 0.17% above South Dakota avg
▼
Rate3.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.17% above avgNationally 2.81%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 36 Months
$0
3.23%
▲ 0.15% above South Dakota avg
▼
Rate3.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.15% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 36 Months
$0
3.18%
▲ 0.10% above South Dakota avg
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.10% above avgNationally 2.81%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 7 times
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
36 Month Share Certificate
$1,000
3.17%
▲ 0.09% above South Dakota avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.09% above avgNationally 2.81%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 7 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 36 Month
$0
3.15%
▲ 0.07% above South Dakota avg
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.07% above avgNationally 2.81%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply; Rate change option available for 24, 36, 48 and 60 month terms
Rate History
1 change since Sep 20, 2026 · 3.12% → 3.15% ▲ 0.03 pts · high 3.15% / low 3.12%
- Oct 12, 20263.15%▲ from 3.12%
- Sep 20, 20263.12%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 36 Months
$0
3.13%
▲ 0.05% above South Dakota avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.05% above avgNationally 2.81%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 7 times
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 36 MONTH
$0
3.00%
▼ 0.08% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.08% below avgNationally 2.81%
Details
Balance: $50,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80%
- Oct 4, 20263.00%▲ from 2.80%
- Sep 20, 20262.80%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 36 MONTH
$0
2.95%
▼ 0.13% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.13% below avgNationally 2.81%
Details
Balance: $5,000; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.80% → 2.95% ▲ 0.15 pts · high 2.95% / low 2.80%
- Oct 4, 20262.95%▲ from 2.80%
- Sep 20, 20262.80%first recorded
Coteau Valley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Share Certificate - 36 MONTH
$0
2.90%
▼ 0.18% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.18% below avgNationally 2.81%
Details
Balance: $500; Dividends paid quarterly; Penalty: loss of two quarter's earnings
Rate History
1 change since Sep 20, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80%
- Oct 4, 20262.90%▲ from 2.80%
- Sep 20, 20262.80%first recorded
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Certificate of Deposit
$2,000
2.85%
▼ 0.23% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.23% below avgNationally 2.81%
Details
Min. Balance for APY: $75,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Triple Option CD
$0
2.85%
▼ 0.23% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.23% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $75,000
Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 5 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 MONTH CERTIFICATE
$1,000
2.63%
▼ 0.45% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.45% below avgNationally 2.81%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 2.63% APY · checked 6 times
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate - 36 Month
$500
2.52%
▼ 0.56% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.56% below avgNationally 2.81%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Share Certificates
$0
2.20%
▼ 0.88% below South Dakota avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.88% below avgNationally 2.81%
Details
Rates as of 10/31/2014; Dividend rate; APY not published
Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Certificate of Deposit
$2,000
2.10%
▼ 0.98% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.98% below avgNationally 2.81%
Details
Min. Balance for APY: $25,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Triple Option CD
$0
2.10%
▼ 0.98% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.98% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $25,000
Rate History
No change since Sep 19, 2026 · 2.10% APY · checked 5 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
IRA Certificate of Deposit - 36 Month
$2,500
1.96%
▼ 1.12% below South Dakota avg
▼
Rate1.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▼ 1.12% below avgNationally 2.81%
Details
IRA Certificate of Deposit; Substantial penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 4 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month Share Certificate
$5,000
1.25%
▼ 1.83% below South Dakota avg
▼
Rate1.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 1.83% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 12, 2026 · 1.25% APY · checked 2 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Certificate of Deposit
$2,000
1.10%
▼ 1.98% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 1.98% below avgNationally 2.81%
Details
Min. Balance for APY: $2,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 1.10% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
36 Month Triple Option CD
$0
1.10%
▼ 1.98% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 1.98% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $2,000
Rate History
No change since Sep 19, 2026 · 1.10% APY · checked 5 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 3 Year
$25,000
0.85%
▼ 2.23% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.23% below avgNationally 2.81%
Details
Balance: $25,000 minimum; APYE: 0.85%
Rate History
No change since Oct 19, 2026 · 0.85% APY
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 3 Year
$100
0.80%
▼ 2.28% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.28% below avgNationally 2.81%
Details
Balance: $100 minimum; APYE: 0.80%
Rate History
No change since Oct 19, 2026 · 0.80% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.33% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.33% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Standard CD
$1,000
0.75%
▼ 2.33% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.33% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Willow Lake 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 4 Year
$500
4.30%
▲ 1.27% above South Dakota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.03%▲ 1.27% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 20, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 48 months
$250
4.01%
▲ 0.98% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.98% above avgNationally 2.81%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 48 months
$500
4.01%
▲ 0.98% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.98% above avgNationally 2.81%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Certificate
$100
4.00%
▲ 0.97% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.97% above avgNationally 2.81%
Details
Balance: $100.00 - $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (13 to 18 years of age)
Rate History
No change since Oct 19, 2026 · 4.00% APY
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 48 months
$250
3.96%
▲ 0.93% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.93% above avgNationally 2.81%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 48 months
$500
3.96%
▲ 0.93% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.93% above avgNationally 2.81%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 YEAR CERTIFICATE
$100,000
3.90%
▲ 0.87% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Aspen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Share Certificates - 12-48 Months
$0
3.85%
▲ 0.82% above South Dakota avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.82% above avgNationally 2.81%
Details
Some Restrictions Apply; Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.85% APY
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 0.77% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.77% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 6 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month - Platinum Rate
$500
3.79%
▲ 0.76% above South Dakota avg
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.76% above avgNationally 2.81%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.79% APY
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 YEAR CERTIFICATE
$1,000
3.75%
▲ 0.72% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 48 Month
$0
3.75%
▲ 0.72% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.72% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month - Honors Rate
$500
3.64%
▲ 0.61% above South Dakota avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.61% above avgNationally 2.81%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.64% APY
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 4 Year
$0
3.60%
▲ 0.57% above South Dakota avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▲ 0.57% above avgNationally 2.81%
Details
Balance: $1,000.00 minimum; Rates accurate as of October 14, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month
$500
3.60%
▲ 0.57% above South Dakota avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.60% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 48 Month
$500
3.60%
▲ 0.57% above South Dakota avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.60% APY
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Months Certificate
$1,000
3.55%
▲ 0.52% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months Certificate
$1,000
3.55%
▲ 0.52% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 2, 20263.50%▲ from 3.15%
- Sep 8, 20263.15%first recorded
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Certificate of Deposit
$100
3.50%
▲ 0.47% above South Dakota avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 22, 20263.50%▲ from 3.00%
- Oct 8, 20263.00%first recorded
First Premier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Reward CD - 36 to < 48 Months
$500
3.35%
▲ 0.32% above South Dakota avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.03%▲ 0.32% above avgNationally 2.81%
Details
Reward CD Rates; Must have a Reward Checking Account to be eligible for these rates; Rates current as of October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.35% APY
First Premier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Standard CD - 36 to < 48 Months
$500
3.15%
▲ 0.12% above South Dakota avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.03%▲ 0.12% above avgNationally 2.81%
Details
Certificate of Deposit Terms & Rates; October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.15% APY
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
48 Month Share Certificate
$0
3.15%
▲ 0.12% above South Dakota avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.12% above avgNationally 2.81%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 3 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 48 Month
$0
3.10%
▲ 0.07% above South Dakota avg
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▲ 0.07% above avgNationally 2.81%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply; Rate change option available for 24, 36, 48 and 60 month terms
Rate History
1 change since Sep 20, 2026 · 3.07% → 3.10% ▲ 0.03 pts · high 3.10% / low 3.07%
- Oct 12, 20263.10%▲ from 3.07%
- Sep 20, 20263.07%first recorded
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
48 Month Share Certificate
$1,000
3.02%
▼ 0.01% below South Dakota avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▼ 0.01% below avgNationally 2.81%
Details
Penalty required for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 48 Month
$1,000
3.00%
▼ 0.03% below South Dakota avg
▼
Rate2.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.03%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 2 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Certificate of Deposit
$2,000
2.90%
▼ 0.13% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 0.13% below avgNationally 2.81%
Details
Min. Balance for APY: $75,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.90% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Triple Option CD
$0
2.90%
▼ 0.13% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 0.13% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $75,000
Rate History
No change since Sep 19, 2026 · 2.90% APY · checked 5 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 MONTH CERTIFICATE
$1,000
2.73%
▼ 0.30% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▼ 0.30% below avgNationally 2.81%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 2.73% APY · checked 6 times
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate - 48 Month
$500
2.52%
▼ 0.51% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▼ 0.51% below avgNationally 2.81%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$0
2.20%
▼ 0.83% below South Dakota avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▼ 0.83% below avgNationally 2.81%
Details
Rates as of 10/31/2014; Dividend rate; APY not published
Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Certificate of Deposit
$2,000
2.15%
▼ 0.88% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 0.88% below avgNationally 2.81%
Details
Min. Balance for APY: $25,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.15% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Triple Option CD
$0
2.15%
▼ 0.88% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 0.88% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $25,000
Rate History
No change since Sep 19, 2026 · 2.15% APY · checked 5 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
Certificate of Deposit - 48 Month
$500
1.96%
▼ 1.07% below South Dakota avg
▼
Rate1.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.03%▼ 1.07% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 7 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 4 Year
$25,000
1.20%
▼ 1.83% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▼ 1.83% below avgNationally 2.81%
Details
Balance: $25,000 minimum; APYE: 1.21%
Rate History
No change since Oct 19, 2026 · 1.20% APY
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Certificate of Deposit
$2,000
1.15%
▼ 1.88% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 1.88% below avgNationally 2.81%
Details
Min. Balance for APY: $2,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 1.15% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
48 Month Triple Option CD
$0
1.15%
▼ 1.88% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.03%▼ 1.88% below avgNationally 2.81%
Details
Minimum balance to open the account and obtain the stated APY: $2,000
Rate History
No change since Sep 19, 2026 · 1.15% APY · checked 5 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 4 Year
$100
1.15%
▼ 1.88% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▼ 1.88% below avgNationally 2.81%
Details
Balance: $100 minimum; APYE: 1.15%
Rate History
No change since Oct 19, 2026 · 1.15% APY
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month Share Certificate
$5,000
1.00%
▼ 2.03% below South Dakota avg
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.03%▼ 2.03% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 12, 2026 · 1.00% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.28% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▼ 2.28% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75%
▼ 2.28% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.03%▼ 2.28% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Willow Lake 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
111 Garfield St, Willow Lake, SD 57278
24-36-48-60 Month CD
$500
1.75%
▼ 1.33% below South Dakota avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▼ 1.33% below avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 1.75% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
IRA 60 Month
$0
4.86%
▲ 1.78% above South Dakota avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.78% above avgNationally 2.92%
Details
Rate History
6 changes since Sep 8, 2026 · 4.35% → 4.86% ▲ 0.51 pts · high 5.06% / low 4.35%
- Oct 20, 20264.86%▼ from 4.96%
- Oct 7, 20264.96%▼ from 5.06%
- Oct 2, 20265.06%▲ from 4.86%
- Sep 27, 20264.86%▲ from 4.76%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month CD
$0
4.80%
▲ 1.72% above South Dakota avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.72% above avgNationally 2.92%
Details
Rate History
6 changes since Sep 8, 2026 · 4.30% → 4.80% ▲ 0.50 pts · high 5.00% / low 4.30%
- Oct 20, 20264.80%▼ from 4.90%
- Oct 7, 20264.90%▼ from 5.00%
- Oct 2, 20265.00%▲ from 4.80%
- Sep 27, 20264.80%▲ from 4.70%
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 5 Year
$500
4.30%
▲ 1.22% above South Dakota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 1.22% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 20, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 60 months
$250
4.01%
▲ 0.93% above South Dakota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.93% above avgNationally 2.92%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 60 months
$500
4.01%
▲ 0.93% above South Dakota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.93% above avgNationally 2.92%
Details
Balance: $10,000 +
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Certificate of Deposit
$100
4.00%
▲ 0.92% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.92% above avgNationally 2.92%
Details
Interest credited annually or more frequently; $100 minimum deposit required for CD terms unless special noted; early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 22, 20264.00%▲ from 3.00%
- Oct 8, 20263.00%first recorded
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Share Certificates
$0
4.00%
▲ 0.92% above South Dakota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.92% above avgNationally 2.92%
Details
Balance: $250 - $25,000
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Certificate
$100
4.00%
▲ 0.92% above South Dakota avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.92% above avgNationally 2.92%
Details
Minimum opening balance $100.00 to $499.99; requires VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18) membership
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
IRA Share Certificate - 60 months
$250
3.96%
▲ 0.88% above South Dakota avg
▼
Rate3.89%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.88% above avgNationally 2.92%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Voyage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Share Certificate - 60 months
$500
3.96%
▲ 0.88% above South Dakota avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.88% above avgNationally 2.92%
Details
Balance: Under $10,000
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Security First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Traditional Time Deposit - 60 months
$1,000
3.91%
▲ 0.83% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.83% above avgNationally 2.92%
Details
Traditional Time Deposit; APY effective 10/20/2026; Interest cannot remain on deposit; payout of interest is mandatory; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 2 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 YEAR CERTIFICATE
$100,000
3.90%
▲ 0.82% above South Dakota avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.82% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
5 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 0.72% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.72% above avgNationally 2.92%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 6 times
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 YEAR CERTIFICATE
$1,000
3.75%
▲ 0.67% above South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.67% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Certificate - 60 Month
$0
3.75%
▲ 0.67% above South Dakota avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.67% above avgNationally 2.92%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month - Platinum Rate
$500
3.75%
▲ 0.67% above South Dakota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.67% above avgNationally 2.92%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.75% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month - Honors Rate
$500
3.60%
▲ 0.52% above South Dakota avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.52% above avgNationally 2.92%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month
$500
3.56%
▲ 0.48% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.48% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.56% APY
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Months Certificate
$1,000
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 60 Months Certificate
$1,000
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 60 Month
$500
3.55%
▲ 0.47% above South Dakota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▲ 0.47% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.42% above South Dakota avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
South Dakota Average3.08%▲ 0.42% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 2, 20263.50%▲ from 3.00%
- Sep 8, 20263.00%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 60 Months
$0
3.30%
▲ 0.22% above South Dakota avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.22% above avgNationally 2.92%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Account - 60 Months
$0
3.25%
▲ 0.17% above South Dakota avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.17% above avgNationally 2.92%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
First Premier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Standard CD - 48 to < 60 Months
$500
3.20%
▲ 0.12% above South Dakota avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▲ 0.12% above avgNationally 2.92%
Details
Standard CD Rates; Certificate of Deposit Terms & Rates as of October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.20% APY
Avanti Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
60 Month Share Certificate
$0
3.10%
▲ 0.02% above South Dakota avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▲ 0.02% above avgNationally 2.92%
Details
Certificate Rates effective 1-07-2025; early withdrawal subject to 90 day dividend penalty; certificates under $2,500 earn 1% less than posted rates
Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 3 times
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CDs) - 60 Month
$1,000
3.00%
▼ 0.08% below South Dakota avg
▼
Rate2.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▼ 0.08% below avgNationally 2.92%
Details
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 2 times
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Certificate of Deposit Accounts - 60 Month
$0
3.00%
▼ 0.08% below South Dakota avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.08% below avgNationally 2.92%
Details
Standard Rates; Interest compounded quarterly; Kids & teens (ages 0-18) minimum balance $100; Early withdrawal penalties apply; Rate change option available for 24, 36, 48 and 60 month terms
Rate History
1 change since Sep 20, 2026 · 2.97% → 3.00% ▲ 0.03 pts · high 3.00% / low 2.97%
- Oct 12, 20263.00%▲ from 2.97%
- Sep 20, 20262.97%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00%
▼ 0.08% below South Dakota avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.08% below avgNationally 2.92%
Details
Retirement Accounts; Dividend declaration: Quarterly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 4 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Certificate of Deposit
$2,000
2.95%
▼ 0.13% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.13% below avgNationally 2.92%
Details
Min. Balance for APY: $75,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Triple Option CD
$0
2.95%
▼ 0.13% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.13% below avgNationally 2.92%
Details
Minimum balance to open the account and obtain the stated APY: $75,000
Rate History
No change since Sep 19, 2026 · 2.95% APY · checked 5 times
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 MONTH CERTIFICATE
$1,000
2.79%
▼ 0.29% below South Dakota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.29% below avgNationally 2.92%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Sep 25, 2026 · 2.79% APY · checked 6 times
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
36, 48 & 60-Month Term Share Certificate
$0
2.79%
▼ 0.29% below South Dakota avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.29% below avgNationally 2.92%
Details
Terms: 36, 48 & 60 months; Balance: $50+; Rates Effective As Of: April 7, 2026
Rate History
No change since Sep 21, 2026 · 2.79% APY · checked 8 times
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate - 60 Month
$500
2.52%
▼ 0.56% below South Dakota avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.56% below avgNationally 2.92%
Details
Maximum deposit: $250,000
Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
Certificate of Deposit - 60 Month
$500
2.36%
▼ 0.72% below South Dakota avg
▼
Rate2.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
South Dakota Average3.08%▼ 0.72% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.36% APY · checked 7 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Certificate of Deposit
$2,000
2.20%
▼ 0.88% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.88% below avgNationally 2.92%
Details
Min. Balance for APY: $25,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Triple Option CD
$0
2.20%
▼ 0.88% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 0.88% below avgNationally 2.92%
Details
Minimum balance to open the account and obtain the stated APY: $25,000
Rate History
No change since Sep 19, 2026 · 2.20% APY · checked 5 times
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Share Certificates
$0
2.20%
▼ 0.88% below South Dakota avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 0.88% below avgNationally 2.92%
Details
Rates as of 10/31/2014; Dividend rate; APY not published
Rate History
No change since Sep 25, 2026 · 2.20% APY · checked 3 times
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 5 Year
$25,000
1.45%
▼ 1.63% below South Dakota avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 1.63% below avgNationally 2.92%
Details
Balance: $25,000 minimum; APYE: 1.46%
Rate History
No change since Oct 19, 2026 · 1.45% APY
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Share Certificate - 5 Year
$100
1.40%
▼ 1.68% below South Dakota avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 1.68% below avgNationally 2.92%
Details
Balance: $100 minimum; APYE: 1.41%
Rate History
No change since Oct 19, 2026 · 1.40% APY
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Certificate of Deposit
$2,000
1.20%
▼ 1.88% below South Dakota avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 1.88% below avgNationally 2.92%
Details
Min. Balance for APY: $2,000; Certificate of Deposit rates effective as of October 1, 2026; Automatic renewal after maturity at 12-month term
Rate History
No change since Sep 19, 2026 · 1.20% APY · checked 8 times
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
60 Month Triple Option CD
$0
1.20%
▼ 1.88% below South Dakota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
South Dakota Average3.08%▼ 1.88% below avgNationally 2.92%
Details
Minimum balance to open the account and obtain the stated APY: $2,000
Rate History
No change since Sep 19, 2026 · 1.20% APY · checked 5 times
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month Share Certificate
$5,000
1.00%
▼ 2.08% below South Dakota avg
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
South Dakota Average3.08%▼ 2.08% below avgNationally 2.92%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 12, 2026 · 1.00% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.33% below South Dakota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.33% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month Standard CD
$1,000
0.75%
▼ 2.33% below South Dakota avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
South Dakota Average3.08%▼ 2.33% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
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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.
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Willow Lake, SD CD Rate Trends
Compare local Willow Lake, 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.
12-Month CD SD Avg
3.362%
▲ 0.075 vs 7 days ago
South Dakota 12-month CD rates rose 0.075 points over the past 7 days to 3.362% APY.
6-Month CD SD Avg
3.212%
▲ 0.059 vs 7 days ago
South Dakota 6-month CD rates rose 0.059 points over the past 7 days to 3.212% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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SD CD Rate Forecast, Next 12 Months
Where are South Dakota CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
SD 12-Month Avg APY
3.362%
6-Month Forecast
3.362%
Range: 3.16%, 3.51%
12-Month Forecast
3.612%
Range: 3.41%, 3.76%
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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 | 2.406% | $120.28 | $240.56 | $601.40 | $1,202.80 |
| 6-Month CD | 3.212% | $160.59 | $321.17 | $802.93 | $1,605.85 |
| 12-Month CD | 3.362% | $168.10 | $336.20 | $840.50 | $1,681.00 |
| 18-Month CD | 3.308% | $165.38 | $330.75 | $826.88 | $1,653.75 |
| 24-Month CD | 3.088% | $154.39 | $308.77 | $771.93 | $1,543.85 |
| 36-Month CD | 3.081% | $154.04 | $308.07 | $770.18 | $1,540.35 |
| 48-Month CD | 3.027% | $151.35 | $302.69 | $756.73 | $1,513.45 |
| 60-Month CD | 3.076% | $153.82 | $307.64 | $769.10 | $1,538.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Willow Lake, 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 | 2.406% | $120.28 |
| 2 | 6-Month CD | $5,000 | 3.212% | $160.59 |
| 3 | 12-Month CD | $5,000 | 3.362% | $168.10 |
| 4 | 24-Month CD | $5,000 | 3.088% | $154.39 |
| 5 | 36-Month CD | $5,000 | 3.081% | $154.04 |
| Total ($25,000 invested) | $25,000 | 3.030% blended | $757.40/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.
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385
CD Rates
Tracked in Willow Lake, South Dakota
Tracked in Willow Lake, South Dakota
20 Banks
22 Credit Unions
About Our Willow Lake, South Dakota CD Rate Database
MonitorBankRates tracks 385 CD rates from 20 banks and 22 credit unions with locations in Willow Lake, 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 to 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: Dacotah Bank offers a CD at 1.75% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Willow Lake, South Dakota.
How to Find the Best CD Rates in Willow Lake, South Dakota
What to compare when shopping for a CD in Willow Lake, South Dakota
To find the best APYs in Willow Lake, South Dakota, start with credit unions and online-only banks: Willow Lake, South Dakota has 22 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 Willow Lake, 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 Willow Lake, South Dakota: 42 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Willow Lake, South Dakota savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Willow Lake, 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)
Population 65+
18.0%
National avg: 17.3%
Median Individual Earnings
$43,371
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
2.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$146/yr
At SD 12-mo avg 3.362% APY
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 3.362%, saving 10% of the local median salary ($4,337/year) and putting it in a CD would earn an additional $146 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 Willow Lake, 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 to 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 |
How Certificates of Deposit Work in Willow Lake, South Dakota
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 leaving the money untouched until the term ends, a saver in Willow Lake, South Dakota 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, in Willow Lake, South Dakota as everywhere in the U.S.
Choosing a CD Term in Willow Lake, South Dakota
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Willow Lake, South Dakota savers easier access to their funds. For example, Dacotah Bank is offering its 6 Month CD at 0.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Dacotah Bank is offering its 24-36-48-60 Month CD at 1.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Willow Lake, South Dakota Savers
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. For a Willow Lake, South Dakota saver, 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 CD Interest Is Paid in Willow Lake, South Dakota
Interest on a CD is calculated using the annual percentage yield (APY), 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 to compound. When comparing the Willow Lake, South Dakota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Willow Lake, South Dakota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Willow Lake, South Dakota 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 conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Willow Lake, South Dakota
Are CD rates in Willow Lake, South Dakota FDIC insured?
Yes, most established banks in Willow Lake, 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 Willow Lake, 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 Willow Lake, 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 Willow Lake, 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 Willow Lake, South Dakota?
Here are recent top rates found for this area:
- Dacotah Bank: 1.75% APY (24-36-48-60 Month CD)
- Explorers Federal Credit Union: 5.10% APY (36 Month Youth Certificate)
- Dakota Community Bank & Trust: 4.90% APY (24 Month CD)
- American Bank & Trust: 4.60% APY (12 Month CD & IRA-CD Special Offer)
- CorTrust Bank: 4.30% APY (Certificates of Deposit - 3 Year)
- SNB Security National Bank of SD: 4.25% APY (Certificates of Deposit (CDs) - 18 Month)
- First Western Bank & Trust: 4.20% APY (24 Month CD)
- Security First Bank: 4.16% APY (Traditional Time Deposit - 24 months)
- Fort Randall Federal Credit Union: 4.06% APY (12 Month Share Certificate)
- OAB One American Bank: 4.05% APY (CD Specials - 12 Month)
Rates reflect recent verified offers available in Willow Lake, South Dakota. Last Updated: October 23, 2026
Willow Lake, South Dakota CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Willow Lake, South Dakota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Willow Lake, South Dakota
Willow Lake, South Dakota CD Calculator
At today’s SD top rate of 1.75% APY, a $10,000 deposit earns $175 in the first year. Enter your amount to see your exact return.
Willow Lake, South Dakota CD LadderSD CD rates currently range from 2.406% (3-month) to 3.081% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Willow Lake, South Dakota CD at 1.75% APY, know your exit cost. Most institutions charge 90 to 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 3.362% 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 Willow Lake, 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 Willow Lake, 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 Willow Lake, 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: October 23, 2026
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