3 Year CD Rates in South Dakota
Compare 3 year certificate of deposit rates in South Dakota. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of three year CD rates available in South Dakota. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingCIT Bank 3 Year Term CDAPY 1.42% Min $1k Max N/A Earnings Est. $1,080
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683
Sponsored Note: 
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.00% | $1k | $250k | $1,535 | 36 - 47 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.76% | $5k | - | $1,343 | 3 Year Share Certificate | |
| Wings Financial Credit Union | 1.71% | $500 | - | $1,305 | 3 Year Dividend Paid Monthly Share Certificate | |
| American Bank N.A. | 1.70% | $10k | - | $1,300 | 36 Month "Flex" CD | |
| Air Force Federal Credit Union | 1.55%* | $25k | - | $1,181 | 3 Year CD | |
| AmTrustDirect | 1.55% | - | - | $1,184 | 36 Month CD | |
| American Airlines Credit Union | 1.51% | $10k | - | $1,150 | 36 Month CD | |
| Self-Help Credit Union | 1.51% | $500 | - | $1,153 | 36 Month CD | |
| Alliant Credit Union | 1.50% | $1k | - | $1,145 | 36 - 47 Month Share CD | |
| RiverLand Credit Union | 1.50% | $1k | - | $1,142 | 36 Month Certificate | |
| Doral Bank | 1.50% | $1k | - | $1,145 | 36 Month Certificate | |
| Consumer's Credit Union (SD) | 1.50%* | $25k | $100k | $1,142 | 3 Year Share Certificate | |
| Consolidated-Hub Co Credit Union | 1.50% | - | - | $1,145 | 36 Month Certificate | |
| Hanscom Credit Union | 1.45% | $1k | - | $919 | 30 to 59 Month CD | |
| Huron Area Education Credit Union | 1.45% | - | - | $1,103 | 3 Year CD | |
| Barclays | 1.45% | - | - | $1,106 | 36 Month Online CD | |
| CIT Bank | 1.42% | $1k | - | $1,080 | 3 Year Term CD | |
| Start SavingSponsored Note: Save On Your Terms: You Choose, You Save. FDIC Insured | ||||||
| Andrews Federal Credit Union | 1.41% | $1k | - | $1,072 | 36 Month CD | |
| Northwest Federal Credit Union | 1.40%* | $25k | - | $1,065 | 3 Year CD | |
| RTN Federal Credit Union | 1.40%* | $1k | - | $1,065 | 36 Month CD | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $1,065 | 36 Month CD | |
| Black Hills Credit Union | 1.40%* | $25k | - | $1,065 | 36-Month Ultimate CD | |
| Third Federal | 1.40%† | $500 | - | $1,098 | 37 Month CD Special | |
| Digital Credit Union | 1.35% | $25k | - | $1,029 | Jumbo 36 - 47 Month Certificate - Relationship Rate | |
| Navy Federal Credit Union | 1.35%* | $20k | - | $1,026 | 3 Year CD | |
| Goldwater Bank | 1.34% | $5k | - | $1,019 | 3 Year CD | |
| USAA Bank | 1.31% | $1k | $95k | $995 | 3 Year CD - Standard | |
| United States Senate Credit Union | 1.31%* | $20k | $100k | $998 | 36 Month Smart CD | |
| Virtual Bank | 1.31% | $10k | - | $995 | 3 Year eCD | |
| Ally Bank | 1.30% | - | - | $988 | High Yield 3 Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Fort Knox Federal Credit Union | 1.30% | $500 | - | $990 | 36 Month CD | |
| Geauga Savings Bank | 1.30% | $1k | - | $990 | 36 Month CD | |
| MetLife Bank | 1.30% | $2k | - | $990 | 36 Month CD | |
| Hudson City Savings Bank | 1.30%† | $500 | - | $988 | 3 Year CD | |
| Sallie Mae Bank | 1.30% | - | - | $988 | 36-Month CD | |
| Stillwater National Bank | 1.30%*† | $10k | - | $988 | 36 Month CD | |
| American Bank & Trust | 1.30% | $500 | - | $988 | 36 Month CD | |
| M O Credit Union | 1.30% | $1k | - | $988 | 3 Year CD | |
| Broadway Federal Bank | 1.26% | $500 | - | $960 | 36 Month Manager's Special CD | |
| State Bank of India | 1.26%† | - | - | $957 | 3 Year CD | |
| Avanti Credit Union | 1.26% | $2,500 | - | $957 | 36 Month CD | |
| Siouxland Credit Union | 1.26% | $1k | - | $960 | 36 Month CD (One Bump-Up per Term) | |
| Air Academy Federal Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| H&R Block Bank | 1.25% | $250 | - | $952 | 36 Month CD | |
| OneWest Bank | 1.25% | $1k | - | $949 | 3 Year Online CD | |
| OneUnited Bank | 1.25% | $1k | - | $949 | UNITY 3 Year CD | |
| Patriot Bank | 1.25% | $1k | - | $952 | 36 Month CD | |
| Pentagon Federal Credit Union | 1.25% | $1k | - | $949 | 3 Year Money Market Cerificate | |
| Nationwide Bank | 1.25%* | - | - | $952 | 36 Month CD | |
| Jacksonville Bank | 1.25% | $1k | - | $952 | 36 - 59 Month CD | |
| Colorado Federal Savings Bank | 1.25% | $5k | - | $949 | 3 Year CD | |
| First National Bank (LA) | 1.25% | - | - | $949 | 36 Month CD | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| Dakotaland Credit Union | 1.25% | $500 | - | $949 | 3 Year Share Certificate | |
| Plains Commerce Bank | 1.25% | $1k | - | $952 | 36 - 47 Month CD | |
| First Savings Bank Northwest | 1.23% | $25k | - | $936 | 36 Month CD | |
| Garden Savings Federal Credit Union | 1.21% | $500 | - | $919 | 3 Year Share Certificate | |
| Med5 Credit Union | 1.21% | $1k | - | $921 | 36 Month CD | |
| Dakota Star Credit Union | 1.21% | $500 | - | $921 | 36 Month Certificate | |
| North American Savings Bank | 1.21% | $10k | - | $919 | 36 - 47 Month CD with Checking | |
| Agriculture Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month Share Certificate | |
| First Internet Bank of IN | 1.20% | $1k | - | $913 | 36 Month CD | |
| Heritage Bank | 1.20% | $25k | - | $913 | 36 Month CD | |
| Lockheed Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month CD | |
| KeySource Commercial Bank | 1.20% | $100 | - | $911 | 36 Month CD | |
| Firstmark Credit Union | 1.20% | $500 | - | $911 | 3 Year Regular CD | |
| Quantum National Bank | 1.20% | $1k | - | $913 | 36 Month Relationship CD | |
| Dakota Plains Credit Union | 1.20% | $25k | $100k | $911 | 3 Year Share Certificate | |
| Air Guard Credit Union | 1.16% | $500 | - | $880 | 36 Month Share Certificate | |
| AIG Bank | 1.15% | - | - | $875 | 36 Month CD | |
| Ascencia Bank | 1.15% | $500 | $97k | $872 | 3 Year CD | |
| Bank of Internet USA | 1.15% | $1k | - | $875 | 36 Month CD | |
| Affinity Credit Union | 1.15% | $500 | - | $727 | 30 Month Certificate w/ Bump Up | |
| First National Bank in Philip | 1.15% | $1k | - | $872 | 3 Year CD | |
| Healthcare Plus Credit Union | 1.15% | - | - | $875 | 36 Month CD | |
| Premier America Credit Union | 1.15%* | $25k | - | $872 | 36 Month CD | |
| Farmers State Bank (9935) | 1.11% | $300 | - | $842 | 3 Year CD | |
| First New England Federal Credit Union | 1.11% | $1k | - | $844 | 36 Month CD - Relationship | |
| American Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| BankUnited | 1.10% | $5k | - | $834 | 36 Month CD Special | |
| University Federal Credit Union | 1.10% | - | - | $836 | 36 Month Web CD | |
| Giantbank.com | 1.10% | $2,500 | - | $836 | 36 Month Giant Personal CD | |
| Kaiser Federal Bank | 1.10% | $1k | - | $834 | 3 Year to Less than 5 Year CD | |
| Salem Five | 1.10% | $10k | - | $834 | 36 Month Relationship CD | |
| 5Star Bank | 1.10% | $1k | - | $834 | 3 Year CD | |
| NOVA Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| Sentinel Credit Union | 1.10% | $10k | - | $836 | 36 Month CD | |
| East River Credit Union | 1.10%* | $250 | - | $836 | 36 Month Share Certificate | |
| Pacific Mercantile Bank | 1.08% | $10k | - | $819 | 36 Month CD | |
| EverBank | 1.06% | $1,500 | - | $670 | 2.5 Year Yield Pledge CD | |
| Randolph Bank & Trust Company | 1.06% | $5k | - | $803 | 36 Month Online CD | |
| E-LOAN.com | 1.05% | $10k | - | $796 | 3 Year CD | |
| Intervest National Bank | 1.05% | $2,500 | - | $796 | 3 Year CD | |
| Newtown Savings Bank | 1.05% | - | - | $796 | 3 Year CD | |
| Lake Michigan Credit Union | 1.05% | $500 | - | $663 | 30 Month VIP CD | |
| US Bank N.A. | 1.05% | $1k | $250k | $820 | 37 Month CD Special | |
| Highmark Credit Union | 1.05%* | $25k | - | $798 | 36 Month Share Certificate | |
| First National Community Bank (PA) | 1.05% | $1k | - | $820 | 37 Month CD | |
| First Security Bank & Trust | 1.03% | $10k | - | $783 | 36 - 47 Month CD | |
| Dime Savings Bank | 1.01% | $500 | - | $765 | 3 Year CD | |
| SunTrust Bank | 1.01%† | $2k | $1m | $789 | 37 Month CD | |
| Bank of Blue Valley | 1.00% | - | - | $760 | 36 - 47 Months CD | |
| Atlantic Coast Bank | 1.00% | $1k | - | $760 | 36 Month iCertificates of Deposit | |
| JustBankIt.com | 1.00% | $1k | - | $631 | 30 Month CD | |
| Velocity Credit Union | 1.00% | $1k | - | $758 | 3 Year Inflation Fighter Share Certificate | |
| S-Bank | 1.00% | $1k | - | $758 | 36 Month Statement Term Certificates | |
| INOVA Federal Credit Union | 1.00% | $200 | - | $758 | 3 Year CD | |
| Easthampton Savings Bank | 1.00% | $1k | - | $758 | 36 Month CD | |
| CorTrust Bank National Association | 1.00% | $500 | - | $758 | 3 Year CD | |
| Commercial State Bank, of Wagner | 1.00% | $500 | - | $760 | 36 Month CD - Quarterly | |
| First Midwest Bank (SD) | 1.00% | $500 | - | $760 | 36 Month CD | |
| Principal Bank | 1.00% | $5k | - | $760 | 36 Month CD | |
| Sioux Falls Credit Union | 1.00% | $500 | - | $758 | 3 Year Share Certificate | |
| Norstar Credit Union | 1.00% | $1k | - | $760 | 36 Month Share CD | |
| Minuteman Community Credit Union | 1.00% | - | - | $760 | 36 Month Share Certificate | |
| Rushmore Electric Credit Union | 1.00% | $250 | - | $760 | 36 Month CD | |
| Urban Partnership Bank | 1.00% | $1k | $100k | $631 | 30 Month CD | |
| Community Bank of Raymore | 0.95% | $500 | - | $719 | 3 Year Emerald Club CD | |
| First National Bank of Omaha | 0.95% | $500 | - | $721 | 36 Month CD w/Checking | |
| FNBO Direct | 0.95% | $500 | $1m | $721 | 36 Month CD | |
| Clear Sky Accounts | 0.95% | $5k | - | $741 | 37 Month Clear Sky CD | |
| American Express Bank, FSB | 0.90% | - | - | $683 | 36 Month CD | |
| UnivestDirect | 0.90% | $500 | - | $681 | 3 Year 3D-CD | |
| Southeast Financial Federal Credit Union | 0.90% | $500 | - | $681 | 3 Year CD | |
| First Trade Union Savings | 0.90% | $500 | - | $681 | 3 Year CD | |
| NewDominion Bank | 0.90% | $1k | - | $681 | 36 Month Fixed Rate CD | |
| South Division Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| First Interstate | 0.90%† | $1k | - | $702 | 37 Month CD Online only | |
| The Adirondack Trust Company | 0.90% | $500 | - | $681 | 3 Year CD | |
| Merchants State Bank | 0.90% | $100 | - | $683 | 36 Month CD | |
| Northern Hills Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| First State Bank of Warner, S. Dak. | 0.90% | $10k | - | $683 | 36 Month CD | |
| Sioux Empire Credit Union | 0.90% | $1k | - | $683 | 36 Month Share Certificate | |
| Fulton State Bank | 0.90% | $1k | - | $681 | 3 Year CD | |
| Beacon Federal Bank | 0.90% | $2,500 | - | $683 | 36 Month CD | |
| The Roberts County National Bank of Sisseton | 0.89% | $500 | - | $673 | 36 Month CD | |
| North Country Savings Bank | 0.85% | $500 | - | $643 | 3 Year CD | |
| NASA Federal Credit Union | 0.85% | $1k | - | $645 | 36 Month CD | |
| First National Bank South Dakota | 0.85% | $1k | - | $645 | 36 Month CD | |
| Vermillion Credit Union | 0.85% | $2k | - | $645 | 36 Month Share Certificate | |
| Pacific Resource Credit Union | 0.81% | $1k | - | $612 | 36 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $605 | 3 Year CD | |
| Acacia Federal Savings Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Apple Federal Credit Union | 0.80% | $500 | - | $606 | 36 Month Share Certificate | |
| ING DIRECT | 0.80% | - | - | $504 | 30 Month Orange CD | |
| West Texas National Bank | 0.80% | $1k | - | $605 | 3 Year CD | |
| Andes State Bank | 0.80% | - | - | $504 | 30 Month CD | |
| Thrivent Financial Bank | 0.80% | $1k | - | $504 | 30 Month CD Special | |
| Dacotah Credit Union | 0.80% | $500 | - | $606 | 36 Month CD | |
| Dakota Heritage State Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Voyage Federal Credit Union | 0.80% | $10k | - | $606 | 36 Month Share Certificate | |
| Cattaraugus County Bank | 0.79% | $1k | - | $599 | 36 Month CD | |
| Webster Bank | 0.75% | $1k | - | $567 | 3 Year CD | |
| Ameriprise Bank FSB | 0.75%* | $10k | - | $473 | 30 Month CD | |
| E-Central Credit Union | 0.75% | $1k | - | $567 | 36 - 47 Month CD | |
| Services Center Credit Union | 0.75% | $500 | - | $567 | 3 Year Share Certificate | |
| Flagstar Direct | 0.75% | $500 | - | $568 | 36 Month Internet CD | |
| State Farm Bank | 0.72%*† | - | - | $545 | 36 Month CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $529 | 3 Year CD | |
| Provident Credit Union (CA) | 0.70% | $1k | - | $529 | 36 Month CD | |
| Patelco Credit Union | 0.70% | $1k | - | $529 | 36 - 47 Month CD | |
| iGObanking | 0.70% | $1k | - | $530 | 36 Month iGOCD | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $529 | 3 Year CD | |
| Mitchell Area Credit Union | 0.70% | $500 | - | $530 | 36 Month CD | |
| First National Bank in Sioux Falls | 0.69% | $25k | - | $523 | 36 Months Renewable CD | |
| Flagstar Bank | 0.65%† | $500 | - | $492 | 36 - 47 Month CD | |
| KeyBank | 0.65%† | $25k | $100k | $491 | 36 Month Tiered CD - Relationship | |
| Simply Service Credit Union | 0.65% | $25k | - | $492 | 36 Month CD | |
| Airbanking | 0.65% | $500 | - | $491 | 3 Year CD | |
| Heartland Bank Direct | 0.65% | $1k | - | $492 | 36 Month Online CD | |
| Wells Fargo Bank | 0.65% | $5k | - | $533 | Business 39 Month CD Special | |
| Zions Bank | 0.60% | $1k | - | $453 | 3 Year Gold CD | |
| ViewPoint Bank | 0.60% | $1k | - | $454 | 36 Month Regular CD | |
| Union Bank of California | 0.60%† | $350 | $100k | $454 | 36 - 47 Month CD | |
| Charles Schwab Bank | 0.55% | $1k | - | $416 | 36 Month CD | |
| GiftsforBanking.com | 0.55% | $5k | - | $415 | 3 Year CD Gifts | |
| Sovereign Bank | 0.55%* | $10k | $100k | $415 | 36 Month Rising Rate Relationship CD | |
| Capital One Direct Banking | 0.55% | $5k | $100k | $415 | 3 Year Costco Members CD | |
| Amegy Bank | 0.50% | $1k | - | $315 | 30 Month Jumbo Personal CD | |
| Citibank | 0.50%† | $1k | - | $377 | 3 Year CD | |
| Citibank (South Dakota), N.A. | 0.50% | - | - | $377 | 3-Year CD | |
| Service First Credit Union | 0.50% | $5k | - | $378 | 36 Month Share Certificate | |
| Amalgamated Bank | 0.45%† | $500 | $99k | $339 | 3 Year USAVE Time Deposit | |
| National Bank of Kansas City | 0.45% | $5k | - | $340 | 36 - 47 Month CD | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $339 | 3 Year Certificate | |
| HSBC Advance | 0.35% | - | - | $220 | 30 Month Online CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $263 | 36 Month CD | |
| Comerica Bank | 0.35%† | $1k | - | $263 | 3 Year CD | |
| HSBC Bank USA, National Association | 0.35% | $1k | - | $220 | 30 Month Online CD | |
| Regions Bank | 0.30%† | $500 | - | $226 | 36 - 47 Month Relationship CD | |
| Rapid City Telco Credit Union | 0.30% | $500 | - | $226 | 36 Month CD | |
| BankDirect | 0.25% | $10k | - | $157 | 30 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $126 | 30 Month Share Certificate | |
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