Sioux Falls, South Dakota (SD) Savings Rates - March 2026
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The savings 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.
The best savings rates for Sioux Falls, South Dakota and the surrounding area include OAB One American BankOAB One American Bank3310 W 49th St, Sioux Falls, SD 57106A+5.0 ★Texas Ratio: 3.42% Savings at 3.60% APY, Bluestone Federal Credit UnionBluestone Federal Credit Union3400 S Sycamore Ave, Sioux Falls, SD 57110 4412A+5.0 ★Texas Ratio: 5.08% 12 MO VARIABLE SHARE CERT. at 3.30% APY, SNB Security National Bank of SDSNB Security National Bank of SD4621 W 26th St, Sioux Falls, SD 57106A+5.0 ★Texas Ratio: 0.00% Sidekick Savings at 3.25% APY, Heritage Bank N.A.Heritage Bank N.A.140 N Phillips Ave, Sioux Falls, SD 57104A5.0 ★Texas Ratio: 6.65% JUMBO SAVINGS ACCOUNT at 2.77% APY, and Voyage Federal Credit UnionVoyage Federal Credit Union5800 E 18th St Ste 101, Sioux Falls, SD 57110A5.0 ★Texas Ratio: 6.07% IRA Shares at 2.53% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Sioux Falls, South Dakota, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Sioux Falls, South Dakota (SD) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sioux Falls, South Dakota and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Sioux Falls, South Dakota & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings+
3.60%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
12 MO VARIABLE SHARE CERT.
3.30%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
Sidekick Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings+
3.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
JUMBO SAVINGS ACCOUNT
2.77%
$0
▼
Rate2.74%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
IRA Shares
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings+
2.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
First Dakota National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
101 N Main Ave, Sioux Falls, SD 57104
eSavings Account Rate1
2.37%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
IRA Shares
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
IRA Shares
2.07%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
Health Savings Account (HSA)
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Savings+
2.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
First Premier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
500 S Minnesota Ave, Sioux Falls, SD 57104
PREMIER Kids Club Savings Account
1.81%
$50
▼
Rate1.80%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
IRA Shares
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
JUMBO SAVINGS ACCOUNT
1.53%
$0
▼
Rate1.52%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
Money Market Gold Plus Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
IRA Shares
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Simply Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Simply Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
225 S Minnesota Ave, Sioux Falls, SD 57104
Great Rate Savings
0.65%
$100
▼
Rate0.65%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
First Dakota National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
101 N Main Ave, Sioux Falls, SD 57104
Statement Savings Account Rate1
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
JUMBO SAVINGS ACCOUNT
0.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
140 N Phillips Ave, Sioux Falls, SD 57104
Health Savings Account (HSA)
0.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
225 S Minnesota Ave, Sioux Falls, SD 57104
Great Rate Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
Health Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
225 S Minnesota Ave, Sioux Falls, SD 57104
Great Rate Savings
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
OAB One American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3310 W 49th St, Sioux Falls, SD 57106
Simply Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
225 S Minnesota Ave, Sioux Falls, SD 57104
Great Rate Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Reliabank Dakota
Institution Rating:
B+4.8 ★Texas Ratio: 17.25%
608 W 86th St, Sioux Falls, SD 57108
Money Market Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily balances of: $200,000 and up
SNB Security National Bank of SD
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4621 W 26th St, Sioux Falls, SD 57106
MMGA Savings and over
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD 57110
Regular Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Amount: $100 & up*
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
SECONDARY SHARE
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
OWNERSHIP SHARE
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD 57103 2133
Share Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD 57103 2133
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD 57103 2133
Business Share Savings Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
EDUCATION IRA SHARES
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
ROTH IRA SHARES
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD 57533 2203
IRA Savings Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
N/A
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD 57533 2203
Savings Share Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25,000.00 and over
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SUPER SHARES
1.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
515 Vander Horck St, Britton, SD 57430
Pee Wee Penguin Shares
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
For children under 12 years of age
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Share IRAs
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD 57701
Coverdell Education Savings (Variable)
0.75%
$1
▼
Rate0.75%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Christmas Club Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD 57701
Traditional/Roth IRA Shares (Variable)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
REGULAR SHARES
0.75%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Norstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
515 Vander Horck St, Britton, SD 57430
Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SUPER SHARES
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2324 8TH AVE NE, ABERDEEN, SD 57401
SECONDARY SHARES
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 W 7th Street, Platte, SD 57369
Share Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Avanti Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.32%
1620 4th St NE, Watertown, SD 57201 8604
Regular Shares/Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD 57042 2916
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Sioux Falls, SD Savings Rate Trends
Compare local Sioux Falls, SD savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — SD Avg
0.032%
▼ 1.231 from last week
South Dakota high-yield savings rates fell 1.231 points this week to 0.032% APY, down from 1.264% last week.
Standard Savings — SD Avg
0.301%
▲ 0.101 from last week
South Dakota standard savings rates rose 0.101 points this week to 0.301% APY, up from 0.200% last week.
As of Mar 29, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Sioux Falls, 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. Every savings rate displayed 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 Sioux Falls, South Dakota. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in SD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Sioux Falls, South Dakota
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in South Dakota, help your money grow faster through a higher APY.
Are savings accounts in Sioux Falls, South Dakota safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in South Dakota up to $250,000 per depositor, per institution.
How often do savings rates change in Sioux Falls, South Dakota?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local South Dakota rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Sioux Falls, South Dakota may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Sioux Falls, South Dakota?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sioux Falls, South Dakota offer in-person customer service, which some customers prefer.
How do I open a savings account in Sioux Falls, South Dakota?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Sioux Falls, South Dakota
Here are recent savings rates observed in Sioux Falls, South Dakota and the surrounding area:
- OAB One American Bank
Savings — 3.60% APY - Bluestone Federal Credit Union
12 MO VARIABLE SHARE CERT. — 3.30% APY - SNB Security National Bank of SD
Sidekick Savings — 3.25% APY - Heritage Bank N.A.
JUMBO SAVINGS ACCOUNT — 2.77% APY - Voyage Federal Credit Union
IRA Shares — 2.53% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sioux Falls, South Dakota. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
