First PREMIER Bank CD Rates — October 2026
As of October 22, 2026, First PREMIER Bank's highest tracked CD rate is 4.25% APY on a 57-month promotional CD ($10,000 minimum). That is 3.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.99% to 3.25% APY.
Tracking began .
First PREMIER Bank CD rates
CD specials (7 to 57 months) and standard CDs from 30 days to 72 months. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Reward CD Relationship | $500 | 3.24% | −0.89% | Verified October 22, 2026 |
| 30 days | Standard CD | $500 | 2.99% | −1.14% | Verified October 22, 2026 |
| 6 months | Reward CD Relationship | $500 | 3.27% | −1.13% | Top 54% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Standard CD | $500 | 3.02% | −1.38% | Top 63% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | CD Special Promotional | $10,000 | 3.78% | −0.65% | Verified October 22, 2026 |
| 12 months | Reward CD Relationship | $500 | 3.30% | −1.27% | Top 62% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Standard CD | $500 | 3.05% | −1.52% | Top 66% of tracked 12-month CDs · Verified October 22, 2026 |
| 17 months | CD Special Promotional | $10,000 | 4.01% | −0.68% | Verified October 22, 2026 |
| 24 months | Reward CD Relationship | $500 | 3.30% | −1.57% | Top 54% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Standard CD | $500 | 3.10% | −1.77% | Top 60% of tracked 24-month CDs · Verified October 22, 2026 |
| 33 months | CD Special Promotional | $10,000 | 4.06% | −0.87% | Verified October 22, 2026 |
| 36 months | Reward CD Relationship | $500 | 3.35% | −1.60% | Top 42% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Standard CD | $500 | 3.15% | −1.80% | Top 52% of tracked 36-month CDs · Verified October 22, 2026 |
| 45 months | CD Special Promotional | $10,000 | 4.15% | −0.82% | Verified October 22, 2026 |
| 48 months | Reward CD Relationship | $500 | 3.40% | −1.58% | Top 38% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Standard CD | $500 | 3.20% | −1.78% | Top 45% of tracked 48-month CDs · Verified October 22, 2026 |
| 57 months | CD Special Promotional | $10,000 | 4.25% | −0.75% | Verified October 22, 2026 |
| 60 months | Reward CD Relationship | $500 | 3.45% | −1.56% | Top 41% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Standard CD | $500 | 3.25% | −1.76% | Top 49% of tracked 60-month CDs · 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.
Watch the renewal rate
The best promotional rate here is 4.25% APY (57 months). The standard rate for a similar term is 3.25% APY (60 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $100 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are First PREMIER Bank's best CD rates by term?
First PREMIER Bank's best rate is 4.25% APY on 57 months, verified October 22, 2026.
- 30 days3.24%
- 6 mo3.27%
- 7 mo3.78%
- 12 mo3.30%
- 17 mo4.01%
- 24 mo3.30%
- 33 mo4.06%
- 36 mo3.35%
- 45 mo4.15%
- 48 mo3.40%
- 57 mo4.25%
- 60 mo3.45%
How much interest could a First PREMIER 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.
$2,186.35 interest · $12,186.35 at maturity on $10,000.00.
4.25% APY · 57 months · 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 |
|---|---|---|---|---|
| 30 days | $13.123.24% APY · Reward CD · Relationship | $26.243.24% APY · Reward CD · Relationship | $65.613.24% APY · Reward CD · Relationship | $131.213.24% APY · Reward CD · Relationship |
| 6 months | $81.323.27% APY · Reward CD · Relationship | $162.633.27% APY · Reward CD · Relationship | $406.583.27% APY · Reward CD · Relationship | $813.163.27% APY · Reward CD · Relationship |
| 7 months | Not estimated | $218.883.78% APY · CD Special · Promotional | $547.203.78% APY · CD Special · Promotional | $1,094.403.78% APY · CD Special · Promotional |
| 12 months | $165.003.30% APY · Reward CD · Relationship | $330.003.30% APY · Reward CD · Relationship | $825.003.30% APY · Reward CD · Relationship | $1,650.003.30% APY · Reward CD · Relationship |
| 17 months | Not estimated | $572.704.01% APY · CD Special · Promotional | $1,431.744.01% APY · CD Special · Promotional | $2,863.494.01% APY · CD Special · Promotional |
| 24 months | $335.443.30% APY · Reward CD · Relationship | $670.893.30% APY · Reward CD · Relationship | $1,677.223.30% APY · Reward CD · Relationship | $3,354.453.30% APY · Reward CD · Relationship |
| 33 months | Not estimated | $1,156.874.06% APY · CD Special · Promotional | $2,892.174.06% APY · CD Special · Promotional | $5,784.354.06% APY · CD Special · Promotional |
| 36 months | $519.523.35% APY · Reward CD · Relationship | $1,039.043.35% APY · Reward CD · Relationship | $2,597.613.35% APY · Reward CD · Relationship | $5,195.223.35% APY · Reward CD · Relationship |
| 45 months | Not estimated | $1,647.544.15% APY · CD Special · Promotional | $4,118.864.15% APY · CD Special · Promotional | $8,237.724.15% APY · CD Special · Promotional |
| 48 months | $715.473.40% APY · Reward CD · Relationship | $1,430.953.40% APY · Reward CD · Relationship | $3,577.363.40% APY · Reward CD · Relationship | $7,154.733.40% APY · Reward CD · Relationship |
| 57 months | Not estimated | $2,186.354.25% APY · CD Special · Promotional | $5,465.884.25% APY · CD Special · Promotional | $10,931.764.25% APY · CD Special · Promotional |
| 60 months | $924.103.45% APY · Reward CD · Relationship | $1,848.203.45% APY · Reward CD · Relationship | $4,620.513.45% APY · Reward CD · Relationship | $9,241.013.45% APY · Reward CD · Relationship |
How First PREMIER Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1734-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First PREMIER Bank (this institution) (highest tracked APY for this term)CD Special · Promotional | 57 months | $10,000 | Branches in SD | 4.25% | October 22, 2026 |
| Treasury (APY-equivalent) | 57 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.00% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First PREMIER Bank on October 22, 2026.
About First PREMIER Bank
- Legal name
- First PREMIER Bank
- Regulator ID
- FDIC 6085
- Headquarters
- Sioux Falls, SD
- Available in
- SD
- Total assets
- $3.6 billion
- Also known as
- Website
- www.firstpremier.com
Source: rates read from https://www.firstpremier.com/en/personal/savings-and-cds/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at First PREMIER Bank?
Among the rates we track, 4.25% APY on a 57-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a First PREMIER Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does First PREMIER Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.75% versus the 57-month Treasury yield of 5.00% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.41% 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 First PREMIER Bank CDs insured?
First PREMIER Bank is an FDIC-insured bank (FDIC 6085). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First PREMIER Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First PREMIER Bank's website and may change at any time. Confirm terms, minimums and eligibility with First PREMIER Bank before opening an account. This page is not financial advice.