--- title: "Dakota Rail Line Credit Union Rates (Nov 2026): CDs to 4.91%" description: "Dakota Rail Line Credit Union rates today: savings & CDs up to 4.91% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Dakota Rail Line Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/dakota-rail-line" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Dakota Rail Line Credit Union Rates (Nov 2026): CDs to 4.91% ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Checking** checking | 0.05% APY | 0.05% | — | Specialty offer | | **Regular Share Savings** share_savings | 0.10% APY | 0.10% | — | Standard | | **Life Event Account** savings | 0.10% APY | 0.10% | — | Standard | | **Compounded Monthly** savings | 0.50% APY | 0.50% | — | Standard | | **Compounded Monthly** savings | 0.60% APY | 0.60% | — | Standard | | **60-Month Certificate** cd_60mo | 2.97% APY | 2.97% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 3.07% APY | 3.07% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | 3.12% APY | 3.12% | 36 mo | Standard | | **6-Month Certificate** cd_6mo | 3.22% APY | 3.22% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | 3.26% APY | 3.26% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | 3.26% APY | 3.26% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 3.36% APY | 3.36% | 18 mo | Standard | | **25-Month Certificate** cd_25mo | 4.19% APY | 4.19% | 25 mo | Standard | | **5-Month Certificate** cd_5mo | 4.91% APY | 4.91% | 5 mo | Standard | Dakota Rail Line Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.91% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/dakota-rail-line) , verified from [Dakota Rail Line Credit Union's official website](https://www.dakotalandfcu.com/) Loading branch locator… ## About Dakota Rail Line Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 492 Assets $5.3M Founded 1954 Locations reported 1 NCUA charter 9907 Charter type Federal credit union ### Services and member support - Online loan application - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Dakotaland** Administration Center · Huron · SD · 57350 Branch in the same ZIP](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**HB Telco** HB Telco Federal Credit Union · Huron · SD · 57350-1945 About 2.2 miles away](https://rateapi.dev/credit-unions/south-dakota/hb-telco) [**M O** M-O Federal Credit Union · Huron · SD · 57350 About 3.3 miles away](https://rateapi.dev/credit-unions/south-dakota/m-o) [**Huron Area Education** HAEFCU OFFICE · HURON · SD · 57350-6582 About 3.6 miles away](https://rateapi.dev/credit-unions/south-dakota/huron-area-education) [**East River** East River FCU · Madison · SD · 57042-2916 About 60.3 miles away](https://rateapi.dev/credit-unions/south-dakota/east-river) [**Area** Watertown Temporary Branch · Watertown · SD · 57201 About 63.9 miles away](https://rateapi.dev/credit-unions/south-dakota/area) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dakota Rail Line Credit Union Membership eligibility from Dakota Rail Line Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Dakota Rail Line Credit Union's website. Check the membership page below to confirm whether you qualify. - Location aurora, beadle, bon homme, brookings, brown, brule, buffalo, campbell, charles mix, clark, clay, codington, davison, day, deuel, douglas, edmunds, faulk, grant, haakon, hamlin, hand, hanson, hughes, hutchinson, hyde, jerauld, jones, kingsbury, lake, lawrence, lincoln, lyman, marshall, mccook, mcpherson, meade, miner, minnehaha, moody, pennington, potter, roberts, sanborn, spink, stanley, sully, turner, union, walworth, yankton — SD Verified from [Dakota Rail Line Credit Union's membership page](https://www.dakotalandfcu.com/about-us/field-of-membership) . Final membership determination is always made by the credit union. ## Membership rules for Dakota Rail Line Credit Union Geography 51 counties 255 published paths to membership, last verified August 27, 2026, quoted from Dakota Rail Line Credit Union’s own published criteria. ### Geography 51 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Aurora County, SD - Beadle County, SD - Bon Homme County, SD - Brookings County, SD - Brown County, SD - Brule County, SD - Buffalo County, SD - Campbell County, SD - Charles Mix County, SD - Clark County, SD - Clay County, SD - Codington County, SD - Davison County, SD - Day County, SD - Deuel County, SD - Douglas County, SD - Edmunds County, SD - Faulk County, SD - Grant County, SD - Haakon County, SD - Hamlin County, SD - Hand County, SD - Hanson County, SD - Hughes County, SD - Hutchinson County, SD - Hyde County, SD - Jerauld County, SD - Jones County, SD - Kingsbury County, SD - Lake County, SD - Lawrence County, SD - Lincoln County, SD - Lyman County, SD - Marshall County, SD - Mccook County, SD - Mcpherson County, SD - Meade County, SD - Miner County, SD - Minnehaha County, SD - Moody County, SD - Pennington County, SD - Potter County, SD - Roberts County, SD - Sanborn County, SD - Spink County, SD - Stanley County, SD - Sully County, SD - Turner County, SD - Union County, SD - Walworth County, SD - Yankton County, SD “For Dakotaland, this new designation includes persons who live, work, worship or attend school in, and businesses and other legal entities located in Aurora, Beadle, Bon Homme, Brookings, Brown, Brule, Buffalo, Campbell, Charles Mix, Clark, Clay, Codington, Davison, Day, Deuel, Douglas, Edmunds,…” > [source ↗](https://www.dakotalandfcu.com/about-us/field-of-membership) Show all 51 places Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dakota Rail Line Credit Union? Yes No ## Work at Dakota Rail Line Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dakota Rail Line Credit Union ranks against South Dakota peers. - See which AI assistants fetched Dakota Rail Line Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dakota-rail-line&state=south-dakota&code=SD&name=Dakota%20Rail%20Line%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dakota Rail Line Credit Union offer? Dakota Rail Line Credit Union is a credit union in South Dakota. Rate data is currently being verified. ### How often are Dakota Rail Line Credit Union rates updated? RateAPI verifies Dakota Rail Line Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Dakota Rail Line Credit Union's rate data? Rate data is collected directly from Dakota Rail Line Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Dakota Rail Line Credit Union's best CD rate? As of November 12, 2026, Dakota Rail Line Credit Union offers savings and certificate (CD) yields up to 4.91% APY. ### Who can join Dakota Rail Line Credit Union? Dakota Rail Line Credit Union publishes its membership criteria on its own website. RateAPI tracks 255 published membership paths covering 51 counties for Dakota Rail Line Credit Union, each quoted from Dakota Rail Line Credit Union's own published membership criteria. ## Related Rate Data Compare Dakota Rail Line Credit Union's rates against national credit-union benchmarks. [More South Dakota credit unions](https://rateapi.dev/credit-unions/south-dakota) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dakotalandfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dakota Rail Line Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Dakota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dakota Rail Line Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /dakota-rail-line " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dakota Rail Line Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-dakota/dakota-rail-line Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp