RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

Sort by Product  / State

South Dakota

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.574.090.053.235.001.01166
6 Mo CD - $10k2.123.800.053.455.001.51133
9 Mo CD - $10k1.863.700.043.623.793.50176
1 Yr CD - $10k2.373.920.043.354.002.0099
18 Mo CD - $10k2.163.960.053.174.201.75102
2 Yr CD - $10k2.354.060.053.124.401.5077
30 Mo CD - $10k2.113.760.083.904.603.55179
3 Yr CD - $10k2.333.760.082.985.001.2565
4 Yr CD - $10k2.293.800.102.813.751.0051
5 Yr CD - $10k2.283.950.102.783.751.0049
3 Mo CD - $100k1.604.090.053.245.001.01164
6 Mo CD - $100k2.143.950.053.485.001.51134
9 Mo CD - $100k1.863.700.043.623.793.50176
1 Yr CD - $100k2.423.950.043.384.002.0096
18 Mo CD - $100k2.223.960.053.174.201.7596
2 Yr CD - $100k2.404.060.053.134.401.5073
30 Mo CD - $100k2.103.760.083.904.603.55179
3 Yr CD - $100k2.353.760.083.025.001.2567
4 Yr CD - $100k2.333.800.102.843.901.0051
5 Yr CD - $100k2.353.950.102.823.901.0047
High Rate Checking1.553.000.105.005.005.00345
Basic Checking0.242.960.010.090.250.01-14
IRA - 1 Year - $10k2.313.950.043.163.910.2585
IRA - 1 Year - $100k1.233.700.042.843.910.25162
IRA - Liquid - $10k1.394.170.010.952.530.05-43
IRA - Liquid - $100k0.712.500.010.721.760.201
Money Market - $2.5k0.451.980.010.982.950.2552
Money Market - $10k0.562.370.010.871.750.3532
High Rate Money Market - $10k0.430.650.08    
High Rate Money Market - $25k1.213.350.10    
Money Market - $25k0.773.340.011.042.050.5028
Money Market - $50k0.923.340.011.182.070.5026
High Rate Money Market - $50k1.213.350.10    
High Rate Money Market - $100k1.293.350.10    
Money Market - $100k1.163.340.051.362.580.5020
Money Market - $250k1.313.340.051.482.580.5016
High Rate Money Market - $250k0.992.760.10    
Money Market - $500k1.033.400.021.932.581.0090
High Rate Money Market - $500k1.081.900.25    
High Rate Money Market - $1 million1.081.900.25    
Money Market - $1 million1.033.400.021.932.581.0090
High Rate Savings0.883.250.022.933.002.85205
Regular Savings0.332.760.010.201.000.05-12
New Auto - 24 Mo6.538.595.574.314.752.49-222
New Auto - 36 Mo7.0710.754.244.997.742.49-208
New Auto - 48 Mo7.1110.754.245.077.742.74-204
New Auto - 60 Mo7.2510.754.245.117.742.99-213
New Auto - 72 Mo7.1610.754.495.337.743.49-182
New Auto - 84 Mo7.178.595.744.835.744.24-234
Used Auto - 24 Mo6.838.595.744.314.752.49-252
Used Auto - 36 Mo7.2010.754.245.017.742.49-219
Used Auto - 48 Mo7.2510.754.245.097.742.74-216
Used Auto - 60 Mo7.3310.754.245.147.742.99-220
Used Auto - 72 Mo7.2910.754.495.347.743.49-195
Used Auto - 84 Mo7.178.595.744.835.744.24-234
Used Boat-60 Mo9.299.299.296.517.994.75-279
New Boat-60 Mo7.8311.285.006.398.094.75-144
Rewards Credit Card17.2519.4913.4912.2317.748.88-502
Credit Card Platinum16.5119.4912.4912.3517.247.00-416
Credit Card Classic17.7129.9012.9012.4017.007.75-531
Home Equity - LOC 80%7.799.506.506.928.005.75-87
Home Equity - 5 Yr 80%7.009.755.257.468.906.0046
Home Equity - 10 Yr 80%7.729.927.007.548.813.99-18
Home Equity - 15 Yr 80%8.2110.116.357.789.504.99-43
7 Yr ARM6.7136.7526.5187.3317.2507.25062
5 Yr ARM7.4258.1536.6256.9556.8756.875-47
15 Yr Fixed6.1166.5005.3756.0717.0005.250-5
20 Yr Fixed6.3446.3566.129 
30 Yr Fixed6.5786.9736.1256.6077.5006.0003
Used Motorcycle-60 Mo   5.867.254.75 
New Motorcycle-60 Mo   5.867.254.75 
Used Motorhome-60 Mo9.299.299.295.867.254.75-343
New Motorhome-60 Mo7.9611.285.006.338.094.75-163
Unsecured - 36 Mo10.9415.506.0011.1114.008.5017
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.