4 Year CD Rates in South Dakota
Compare 4 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 four 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 SavingAlly Bank Raise Your Rate 4-Year CDAPY 1.45% Min N/A Max N/A Earnings Est. $1,482
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018
Sponsored Note: 
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.25% | $1k | $250k | $2,334 | 48 - 59 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.96% | $5k | - | $2,018 | 4 Year Share Certificate | |
| Wings Financial Credit Union | 1.87% | $500 | - | $1,923 | 4 Year Dividend Paid Monthly Share Certificate | |
| American Airlines Credit Union | 1.81% | $10k | - | $1,860 | 48 Month CD | |
| Alliant Credit Union | 1.80% | $1k | - | $1,854 | 48 - 59 Month Share CD | |
| Hanscom Credit Union | 1.80% | $1k | - | $1,854 | 48 Month CD Special | |
| Self-Help Credit Union | 1.77% | $500 | - | $1,823 | 48 Month CD | |
| Air Guard Credit Union | 1.76% | $500 | - | $1,807 | 48-60 Month Pick a term Share Certificate | |
| American Bank N.A. | 1.75% | $10k | - | $1,802 | 48 Month "Flex" CD | |
| Justice Federal Credit Union | 1.75%* | $500 | - | $1,796 | 48 Month CD | |
| Pentagon Federal Credit Union | 1.74% | $1k | - | $1,786 | 4 Year Money Market Cerificate | |
| Andrews Federal Credit Union | 1.71% | $1k | - | $1,754 | 48 Month CD | |
| Black Hills Credit Union | 1.70%* | $25k | - | $1,744 | 48-Month Ultimate CD | |
| United States Senate Credit Union | 1.70%* | $20k | $100k | $1,749 | 48 Month Smart CD | |
| Northwest Federal Credit Union | 1.66%* | $25k | - | $1,702 | 4 Year CD | |
| Med5 Credit Union | 1.66% | $1k | - | $1,707 | 48 Month CD | |
| Fort Knox Federal Credit Union | 1.60% | $500 | - | $1,643 | 48 Month CD | |
| Digital Credit Union | 1.60% | $25k | - | $1,643 | Jumbo 48 - 59 Month Certificate - Relationship Rate | |
| RTN Federal Credit Union | 1.60%* | $1k | - | $1,639 | 48 Month CD | |
| American Bank & Trust | 1.60% | $500 | - | $1,639 | 48 Month CD | |
| Barclays | 1.60% | - | - | $1,643 | 48 Month Online CD | |
| Navy Federal Credit Union | 1.60%* | $20k | - | $1,639 | 4 Year CD | |
| Dakota Star Credit Union | 1.56% | $500 | - | $1,601 | 48 Month Certificate | |
| Nationwide Bank | 1.55%* | - | - | $1,591 | 48 Month CD | |
| M O Credit Union | 1.55% | $1k | - | $1,586 | 4 Year CD | |
| Broadway Federal Bank | 1.51% | $500 | - | $1,549 | 48 Month Manager's Special CD | |
| Siouxland Credit Union | 1.51% | $1k | - | $1,549 | 48 Month CD | |
| Agriculture Federal Credit Union | 1.50% | $1k | - | $1,538 | 48 Month Share Certificate | |
| Heritage Bank | 1.50% | $25k | - | $1,538 | 48 Month CD | |
| Hudson City Savings Bank | 1.50%† | $500 | - | $1,534 | 4 Year CD | |
| OneUnited Bank | 1.50% | $1k | - | $1,534 | UNITY Gold 4 Year E-CD | |
| USAA Bank | 1.50% | $1k | $95k | $1,534 | 4 Year CD - Standard | |
| Stillwater National Bank | 1.50%*† | $10k | - | $1,534 | 48 Month CD | |
| Easthampton Savings Bank | 1.50% | $1k | - | $1,534 | 48 Month CD | |
| Mcgraw Hill Credit Union | 1.50% | $10k | - | $1,538 | 48 Month CD | |
| Doral Bank | 1.50% | $1k | - | $1,538 | 48 Month Certificate | |
| Dakotaland Credit Union | 1.50% | $500 | - | $1,534 | 4 Year Share Certificate | |
| Plains Commerce Bank | 1.50% | $1k | - | $1,538 | 48 - 59 Month CD | |
| Highmark Credit Union | 1.50%* | $25k | - | $1,538 | 48 Month Share Certificate | |
| Sentinel Credit Union | 1.50% | $10k | - | $1,538 | 48 Month CD | |
| Minuteman Community Credit Union | 1.50% | - | - | $1,538 | 48 Month Share Certificate | |
| First National Bank (LA) | 1.50% | - | - | $1,534 | 48 Month CD | |
| Virtual Bank | 1.46% | $10k | - | $1,492 | 4 Year eCD | |
| Geauga Savings Bank | 1.45% | $1k | - | $1,486 | 48 Month CD | |
| Intervest National Bank | 1.45% | $2,500 | - | $1,482 | 4 Year CD | |
| Dakota Plains Credit Union | 1.45% | $25k | $100k | $1,482 | 4 Year Share Certificate | |
| Ally Bank | 1.45% | - | - | $1,482 | Raise Your Rate 4-Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| First New England Federal Credit Union | 1.41% | $1k | - | $1,444 | 48 Month CD - Relationship | |
| MetLife Bank | 1.40% | $2k | - | $1,434 | 48 Month CD | |
| Patriot Bank | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| KeySource Commercial Bank | 1.40% | $100 | - | $1,430 | 48 Month CD | |
| First National Bank in Philip | 1.40% | $1k | - | $1,430 | 4 Year CD | |
| Commercial State Bank, of Wagner | 1.36% | $500 | - | $1,392 | 48 Month CD - Quarterly | |
| Air Academy Federal Credit Union | 1.35% | $10k | - | $1,381 | 48 Month CD | |
| University Federal Credit Union | 1.35% | - | - | $1,381 | 48 Month Web CD | |
| First Internet Bank of IN | 1.35% | $1k | - | $1,381 | 48 Month CD | |
| H&R Block Bank | 1.35% | $250 | - | $1,381 | 48 Month CD | |
| OneWest Bank | 1.35% | $1k | - | $1,378 | 4 Year Online CD | |
| First Savings Bank Northwest | 1.33% | $25k | - | $1,361 | 48 Month CD | |
| Garden Savings Federal Credit Union | 1.31% | $500 | - | $1,336 | 4 Year Share Certificate | |
| American Bank | 1.30% | $500 | - | $1,329 | 48 Month CD | |
| First National Bank of Omaha | 1.30% | $500 | - | $1,329 | 48 Month CD w/Checking | |
| FNBO Direct | 1.30% | $500 | $1m | $1,329 | 48 Month CD | |
| Salem Five | 1.30% | $500 | - | $1,159 | 42 - 59 Month CD | |
| Lockheed Federal Credit Union | 1.30% | $1k | - | $1,329 | 48 Month CD | |
| Lake Michigan Credit Union | 1.30% | $500 | - | $1,326 | 48 Month VIP CD | |
| Quantum National Bank | 1.30% | $1k | - | $1,329 | 48 Month Relationship CD | |
| Northern Hills Credit Union | 1.30% | $1k | - | $1,326 | 4 Year CD | |
| East River Credit Union | 1.30%* | $250 | - | $1,329 | 48 Month Share Certificate | |
| Third Federal | 1.30%† | $500 | - | $1,329 | 48 Month CD | |
| Bank of Internet USA | 1.26% | $1k | - | $1,288 | 48 Month CD | |
| Sioux Falls Credit Union | 1.26% | $500 | - | $1,284 | 4 Year Share Certificate | |
| Voyage Federal Credit Union | 1.26% | $10k | - | $1,288 | 48 Month Share Certificate | |
| S-Bank | 1.25% | $1k | - | $1,274 | 48 Month Statement Term Certificates | |
| NASA Federal Credit Union | 1.25% | $1k | - | $1,277 | Business 48 Month CD | |
| NOVA Bank | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| Norstar Credit Union | 1.25% | $1k | - | $1,277 | 48 Month Share CD | |
| North American Savings Bank | 1.25% | $10k | - | $1,274 | 48 - 59 Month CD with Checking | |
| First Security Bank & Trust | 1.23% | $10k | - | $1,256 | 48 - 59 Month CD | |
| EverBank | 1.21% | $1,500 | - | $1,232 | 4 Year Yield Pledge CD | |
| Patelco Credit Union | 1.21% | $1k | - | $1,232 | 48 - 59 Month CD | |
| Velocity Credit Union | 1.21% | $1k | - | $1,232 | 4 Year Inflation Fighter Share Certificate | |
| First Midwest Bank (SD) | 1.21% | $500 | - | $1,236 | 48 Month CD | |
| Apple Federal Credit Union | 1.20% | $500 | - | $1,225 | 48 Month Share Certificate | |
| Community Bank of Raymore | 1.20% | $500 | - | $1,222 | 4 Year Emerald Club CD | |
| Dime Savings Bank | 1.20% | $500 | - | $1,222 | 4 Year CD | |
| E-LOAN.com | 1.20% | $10k | - | $1,222 | 4 Year CD | |
| Newtown Savings Bank | 1.20% | - | - | $1,222 | 4 Year CD | |
| 5Star Bank | 1.20% | $1k | - | $1,222 | 4 Year CD | |
| CorTrust Bank National Association | 1.20% | $500 | - | $1,222 | 4 Year CD | |
| First State Bank of Warner, S. Dak. | 1.20% | $10k | - | $1,225 | 48 Month CD | |
| Beacon Federal Bank | 1.19% | $2,500 | - | $1,215 | 48 Month CD | |
| Bank of Blue Valley | 1.15% | - | - | $1,173 | 48 - 59 Months CD | |
| UnivestDirect | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| INOVA Federal Credit Union | 1.15% | $200 | - | $1,170 | 4 Year CD | |
| Merchants State Bank | 1.15% | $100 | - | $1,173 | 48 Month CD | |
| West Texas National Bank | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| Sioux Empire Credit Union | 1.11% | $1k | - | $1,132 | 48 Month Share Certificate | |
| Principal Bank | 1.06% | $5k | - | $1,080 | 48 Month CD | |
| Southeast Financial Federal Credit Union | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| North Country Savings Bank | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| Pacific Resource Credit Union | 1.05% | $1k | - | $1,067 | 48 Month CD | |
| Urban Partnership Bank | 1.05% | $1k | $1m | $933 | 42 Month CD | |
| Union Bank of California | 1.01%† | $350 | $100k | $941 | 48 - 59 Month CD | |
| American Express Bank, FSB | 1.00% | - | - | $1,018 | 48 Month CD | |
| First Trade Union Savings | 1.00% | $500 | - | $1,015 | 4 Year CD | |
| Provident Credit Union (CA) | 1.00% | $1k | - | $1,015 | 48 Month CD | |
| South Division Credit Union | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| Webster Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| E-Central Credit Union | 1.00% | $1k | - | $1,015 | 48 - 59 Month CD | |
| Thrivent Financial Bank | 1.00% | $1k | - | $1,018 | 48 Month Standard CD | |
| Dacotah Credit Union | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| Fulton State Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| Cattaraugus County Bank | 0.99% | $1k | - | $1,008 | 48 Month CD | |
| NewDominion Bank | 0.95% | $1k | - | $964 | 48 Month Fixed Rate CD | |
| Consumers Credit Union (IL) | 0.95% | $250 | - | $964 | 4 Year CD | |
| Acacia Federal Savings Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| iGObanking | 0.90% | $1k | - | $915 | 48 Month iGOCD | |
| First National Bank South Dakota | 0.90% | $1k | - | $915 | 48 Month CD | |
| Dakota Heritage State Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| State Farm Bank | 0.87%*† | - | - | $884 | 48 Month CD | |
| First National Bank in Sioux Falls | 0.86% | $25k | - | $874 | 48 Months Renewable CD | |
| Zions Bank | 0.85% | $1k | - | $861 | 4 Year Gold CD | |
| KeyBank | 0.85%† | $25k | $100k | $861 | 48 Month Tiered CD - Relationship | |
| Mitchell Area Credit Union | 0.85% | $500 | - | $863 | 48 Month CD | |
| Flagstar Direct | 0.85% | $500 | - | $863 | 48 Month Internet CD | |
| Charles Schwab Bank | 0.81% | $1k | - | $822 | 48 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $810 | 4 Year CD | |
| ING DIRECT | 0.80% | - | - | $812 | 48 Month Orange CD | |
| HSBC Advance | 0.80% | - | - | $812 | 48 Month Online CD | |
| Randolph Bank & Trust Company | 0.80%* | $10k | - | $810 | 48 Month Fixed Rate CD | |
| US Bank N.A. | 0.80% | $500 | $250k | $812 | 48 Month CD | |
| Capital One Direct Banking | 0.80% | $5k | $100k | $810 | 4 Year Costco Members CD | |
| HSBC Bank USA, National Association | 0.80% | $1k | - | $812 | 48 Month Online CD | |
| ViewPoint Bank | 0.75% | $1k | - | $761 | 48 Month Regular CD | |
| Citibank | 0.75%† | $1k | - | $758 | 4 Year CD | |
| Flagstar Bank | 0.75%† | $500 | - | $761 | 48 - 59 Month CD | |
| Citibank (South Dakota), N.A. | 0.75% | - | - | $758 | 4-Year CD | |
| Service First Credit Union | 0.75% | $5k | - | $761 | 48 Month Share Certificate | |
| Airbanking | 0.75% | $500 | - | $758 | 4 Year CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $707 | 4 Year CD | |
| First National Community Bank (PA) | 0.70% | $1k | - | $707 | 4 Year CD | |
| Wells Fargo Bank | 0.65%† | - | - | $656 | Business 48 - 59 Month CD | |
| Comerica Bank | 0.60%† | $1k | - | $605 | 4 Year CD | |
| National Bank of Kansas City | 0.55% | $5k | - | $556 | 48 - 59 Month CD | |
| 20Th Century Fox Credit Union | 0.50% | $2,500 | - | $504 | 4 Year Certificate | |
| Regions Bank | 0.50%† | $500 | - | $505 | 48 - 53 Month Relationship CD | |
| Rapid City Telco Credit Union | 0.45% | $500 | - | $454 | 48 Month CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $352 | 48 Month CD | |
| BankDirect | 0.25% | $10k | - | $252 | 48 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $201 | 48 Month Share Certificate | |
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