Certificate of Deposit (CD) Rates

Dakota Community Bank & Trust offers CD Interest Payments via Auto Transfer or electronic Deposit. This allows you to receive your interest payments without delay.  For more information on Auto Transfer, please contact your local branch to complete an Auto Transfer Agreement and Authorization for Direct Deposit.

Account Type1Interest RateAnnual Percentage Yield (APY)Minimum balance to open account
and to obtain APY
Account Type1Interest RateAnnual Percentage Yield (APY)Minimum balance to open account
and to obtain APY
3 MONTH CD0.15%0.15%$500.00
3 MONTH CD0.25%0.25%$30,000.00
3 MONTH CD0.35%0.35%$70,000.00
3 MONTH CD1.00%1.00%$99,000.00
6 MONTH CD0.30%0.30%$500.00
6 MONTH CD0.35%0.35%$30,000.00
6 MONTH CD0.55%0.55%$70,000.00
6 MONTH CD1.35%1.35%$99,000.00
12 MONTH CD0.50%0.50%$500.00
12 MONTH CD0.65%0.65%$30,000.00
12 MONTH CD0.85%0.85%$70,000.00
12 MONTH CD1.50%1.50%$99,000.00
24 MONTH CD0.65%0.65%$500.00
24 MONTH CD0.85%0.85%$30,000.00
24 MONTH CD1.00%1.00%$70,000.00
24 MONTH CD1.70%1.70%$99,000.00
36 MONTH CD1.75%1.75%$500.00
60 MONTH CD2.00%2.00%$500.00
IRA 12 MONTH0.85%0.85%$100.00
IRA 24 MONTH1.00%1.00%$100.00
IRA 36 MONTH1.75%1.76%$100.00
IRA 39 MONTH
With one-time bump-up option
2.10%2.11%$100.00
IRA 60 MONTH2.00%2.01%$100.00
CD Specials
9 Month Special1.35%1.35%$2,500.00
18 Month Special1.55%1.55%$2,500.00
27 Month Special2.00%2.00%$2,500.00
39 Month Special
With one-time bump-up option
2.10%2.10%$2,500.00
54 Month Special1.95%1.95%$2,500.00
69 Month Special2.05%2.05%$2,500.00
78 Month Special2.05%2.05%$2,500.00
89 Month Special2.45%2.45%$2,500.00
  • All rates as of: October 14, 2019 7:44 am (Central Time)
  • The interest rates and annual percentage yields (APY) offered on the accounts are effective as of the date shown above. The rates are subject to change at any time without notice.
  • 3,6,9,12 month CDs: Interest will not be compounded on the account. Interest will be credited at maturity.
    18,24,27,36,39,54,69,78,89 month CDs: Interest will be compounded annually and will be credited annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • IRA CDs: Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculated the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • You may obtain the account with or without an automatic renewal feature. An account with an automatic renewal feature will automatically renew at maturity. You will have 10 days after the maturity date to make additional deposits or withdraw funds without penalty. If you do not withdraw the funds, the account will renew for an identical period of time as the original term. An account without an automatic renewal feature will not renew at maturity and your funds will no longer earn interest.
  • 1 The interest rate will be in effect for the period shown as the Account Type and the CD will mature at the end of the term shown as the Account Type.
    A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
  • Important Account Opening Disclosure (USA Patriot Act)