Best Banks & Credit Unions in Madison, South Dakota
Banks and credit unions serving Madison, South Dakota. Compare up to 2.37% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Madison, South Dakota. All rankings inherit from the South Dakota state directory. Every institution listed is licensed to serve Madison residents and is either headquartered in South Dakota or operates branches in the metro.
Top options in Madison
- Voyage Federal Credit Union: 4.04% APY. 12 month Share Certificate: $500.00 minimum; Under $10,000 tier ($10,000+ pays 4.09%). The share certificate table is dated 'Rates Effective as of: 10/30/2025' on the page. Read Sep 7, 2026 on voyagefcu.org. Rates as of 2026-09-06 per the page.
- Siouxland Federal Credit Union: 3.91% APY. 12 Months Certificate: $1,000 minimum deposit required to open the account and earn the disclosed APY; a penalty is imposed for early withdrawal; APY accurate as of 08/01/2026 per the certificate table. Read Sep 7, 2026 on siouxlandfederalcu.com. Rates as of 2026-09-01 per the page.
- Sunrise Banks: 3.80% APY. 12 Month CD: $500 minimum balance to open and $500 minimum balance to obtain the APY; no monthly fees; 90 days interest penalty for early withdrawal. Read Sep 7, 2026 on sunrisebanks.com.
- Northern Hills Federal Credit Union: 3.75% APY. 12-month 1 Year Certificate: $1,000 minimum deposit; $100,000 pays 3.9%. The 4% 13-month and 4.2% 25-month figures are special certificates requiring $5,000. Certificate table dated Monday, September 7, 2026 on the page. Read Sep 7, 2026 on northernhillsfcu.org.
- Levo Credit Union: 3.55% APY. 12-month 1 Year Certificate: $500 minimum opening deposit for 12-60 month terms; early withdrawal may be subject to a penalty. Read on levo.org/certificates. Read Sep 7, 2026 on levo.org.
- Dakotaland Federal Credit Union: 3.30% APY. 12 Month Share Certificate: Minimum balance required for a share certificate account is $500.00; early withdrawal penalties apply. The 4.00% 9-month and 3.85% 14-month figures are CD Specials. Read Sep 7, 2026 on dakotalandfcu.com. Rates as of 2026-09-01 per the page.
Other South Dakota cities
See the full South Dakota banks directory for every institution we've verified in the state, plus the underlying methodology.