Dacotah Bank CD Rates — October 2026
As of October 22, 2026, Dacotah Bank's highest tracked CD rate is 3.90% APY on a 13-month promotional CD ($5,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Dacotah Bank CD rates
Current personal CD specials only, with a $5,000 minimum. Standard CDs and IRA products are outside this collection scope. Rates do not apply to public funds; early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 5 months | Fall CD Special Promotional | $5,000 | 3.60% | −0.79% | Verified October 22, 2026 |
| 8 months | Fall CD Special Promotional | $5,000 | 3.75% | −0.70% | Verified October 22, 2026 |
| 13 months | Fall CD Special Promotional | $5,000 | 3.90% | −0.70% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Dacotah Bank's best CD rates by term?
Dacotah Bank's best rate is 3.90% APY on 13 months, verified October 22, 2026.
- 5 mo3.60%
- 8 mo3.75%
- 13 mo3.90%
How much interest could a Dacotah Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$422.72 interest · $10,422.72 at maturity on $10,000.00.
3.90% APY · 13 months · Fall CD Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $74.193.60% APY · Fall CD Special · Promotional | $148.373.60% APY · Fall CD Special · Promotional | $370.933.60% APY · Fall CD Special · Promotional | $741.863.60% APY · Fall CD Special · Promotional |
| 8 months | $124.063.75% APY · Fall CD Special · Promotional | $248.123.75% APY · Fall CD Special · Promotional | $620.303.75% APY · Fall CD Special · Promotional | $1,240.593.75% APY · Fall CD Special · Promotional |
| 13 months | $211.363.90% APY · Fall CD Special · Promotional | $422.723.90% APY · Fall CD Special · Promotional | $1,056.813.90% APY · Fall CD Special · Promotional | $2,113.623.90% APY · Fall CD Special · Promotional |
How Dacotah Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 54 of 85 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Dacotah Bank (this institution)Fall CD Special · Promotional | 13 months | $5,000 | Branches in MN, ND, SD | 3.90% | October 22, 2026 |
| Genisys Credit UnionCertificate Special · Promotional | 13 months | $500 | Membership required · branches in MI, MN | 4.60% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Dacotah Bank on October 22, 2026.
About Dacotah Bank
- Legal name
- Dacotah Bank
- Regulator ID
- FDIC 17437
- Headquarters
- Aberdeen, SD
- Available in
- MN, ND, SD
- Total assets
- $4.9 billion
- Also known as
- Website
- www.dacotahbank.com
Source: rates read from https://www.dacotahbank.com/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Dacotah Bank?
Among the rates we track, 3.90% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Dacotah Bank CD?
The lowest minimum we found is $5,000.
How does Dacotah Bank's best CD rate compare with Treasury yields?
3.90% APY is −0.70% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.90% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Dacotah Bank CDs insured?
Dacotah Bank is an FDIC-insured bank (FDIC 17437). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Dacotah Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Dacotah Bank's website and may change at any time. Confirm terms, minimums and eligibility with Dacotah Bank before opening an account. This page is not financial advice.