Certificates of Deposit (CDs)
Certificates of Deposit offer a reliable way to grow your savings with confidence. When you open a CD at Dakota Community Bank & Trust, your funds earn a fixed interest rate for a set period of time, giving you predictable returns and peace of mind.
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.
All public funds: Please call for Term & Rates
| Account Type | Interest Rate | Annual Percentage Yield (APY) |
Minimum balance to open account and to obtain APY |
|---|---|---|---|
| 3 Month CD | 3.00% | 3.03% | $500.00 |
| 3 Month CD | 3.10% | 3.14% | $30,000.00 |
| 3 Month CD | 3.30% | 3.34% | $70,000.00 |
| 3 Month CD | 3.40% | 3.44% | $99,000.00 |
| 6 Month CD | 3.10% | 3.12% | $500.00 |
| 6 Month CD | 3.20% | 3.23% | $30,000.00 |
| 6 Month CD | 3.30% | 3.33% | $70,000.00 |
| 6 Month CD | 3.40% | 3.43% | $99,000.00 |
| 12 Month CD | 3.10% | 3.10% | $500.00 |
| 12 Month CD | 3.30% | 3.30% | $30,000.00 |
| 12 Month CD | 3.40% | 3.40% | $70,000.00 |
| 12 Month CD | 3.50% | 3.50% | $99,000.00 |
| 24 Month CD | 3.10% | 3.10% | $500.00 |
| 24 Month CD | 3.20% | 3.20% | $30,000.00 |
| 24 Month CD | 3.30% | 3.30% | $70,000.00 |
| 24 Month CD | 3.40% | 3.40% | $99,000.00 |
| 36 Month CD | 3.40% | 3.40% | $500.00 |
| 60 Month CD | 3.50% | 3.50% | $500.00 |
| IRA 12 Month | 3.40% | 3.43% | $100.00 |
| IRA 24 Month | 3.30% | 3.33% | $100.00 |
| IRA 36 Month | 3.40% | 3.43% | $100.00 |
| IRA 39 Month With one time bump-up option |
3.20% | 3.23% | $100.00 |
| IRA 60 Month | 3.50% | 3.53% | $100.00 |
| CD Specials | |||
| 9 Month Special | 3.50% | 3.52% | $2,500.00 |
| 18 Month Special | 3.40% | 3.40% | $2,500.00 |
| 27 Month Special | 3.20% | 3.20% | $2,500.00 |
| 39 Month Special With one time bump-up option |
3.20% | 3.20% | $2,500.00 |
| 54 Month Special | 3.50% | 3.50% | $2,500.00 |
| 69 Month Special | 3.60% | 3.60% | $2,500.00 |
| 78 Month Special | 3.80% | 3.80% | $2,500.00 |
| 89 Month Special | 4.00% | 4.00% | $2,500.00 |
All rates as of: December 8, 2025 10:19 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)
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Tell us about yourself.
We’ll need some personal information to get your account started.
Make your first deposit.
Dakota Community Bank & Trust has multiple options for making a deposit.
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FAQS
Contact us with your questions
If you have a question about Certificates of Deposit that you do not see answered, please contact us. Our team is happy to help and will get back to you with clear and timely information.
What is a Certificate of Deposit (CD)?
A CD is a savings product that earns a fixed interest rate for a set period of time. In exchange for keeping your funds deposited until maturity, you receive a predictable return.
How long are CD terms?
CDs are available in a variety of terms ranging from short term to longer term options. Our team can help you choose a term that fits your financial goals.
Is my money safe in a CD?
Yes. CDs are a secure way to save and are protected according to federal insurance guidelines. They offer stable growth without market risk.
Can I add money to my CD after opening it?
In most cases, additional deposits cannot be made once a CD is opened. If you plan to add funds later, our team can help you explore other savings options.
Are there penalties for early withdrawal?
Withdrawing funds before the CD matures may result in an early withdrawal penalty. The exact penalty depends on the CD term and will be explained when you open your account.