South Dakota Savings Rate Trends
Track current and weekly average savings account APYs across all products in South Dakota, view interactive rate trend charts, and compare SD APYs against the national average.
Current South Dakota Savings Rate Trends
High-Yield Savings APYs in South Dakota rose by +0.017 this week, pushing the current average APY to 2.125%. Savers depositing in SD are now earning more than they would have last week, when the average stood at 2.108%.
At 2.125%, South Dakota's High-Yield Savings APY sits +0.167 above the current national average of 1.958%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in SD.
The Standard Savings APY in South Dakota currently averages 0.676%, compared to 0.705% last week. Savers weighing account type should note that standard savings APYs are typically lower than high-yield offerings but may come with fewer balance requirements or restrictions.
The South Dakota savings account rate averages displayed on this page are calculated from 185 verified savings rate quotes collected across 37 banks and credit unions actively operating in South Dakota. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated savings account rate database spanning community banks, regional lenders, national institutions, and credit unions across South Dakota. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in SD.
Data reflects average APYs offered by licensed institutions operating in SD. Last Updated: October 13, 2026
South Dakota Savings Rate Trends
Daily average APYs across all savings products. Hover over the chart to see exact APYs for each day.
South Dakota savings rate averages compiled from 185 current savings rates across 37 banks and credit unions operating in SD, updated daily.
As of Oct 13, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering South Dakota financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical SD savings rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report, and optionally link to https://www.monitorbankrates.com/savings-account-rates/south-dakota/trends. For custom data pulls, contact us here.
