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Checking
Personal Checking
Flexible personal checking accounts with FREE Online and Mobile Banking, Bill Pay, eStatements, Mobile Deposit and more.
Learn MoreOur FREE+ Checking account comes with no hidden surprises, hassles or monthly maintenance fees.
Maintain a total monthly deposit relationship of $15,000 and gain benefits like free checks, reward rates on CDs and more.
This secure and easy payment method gives you access to 37,000+ surcharge-free ATMs nationwide.
Ensure your personal checking account has sufficient funds to cover payments and purchases.
Learn how First PREMIER protects you and how to protect yourself from security breaches and fraud.
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Online & Mobile
Online & Mobile
First PREMIER Online and Mobile Banking are FREE and feature-rich, giving you 24/7 access and control over your accounts.
Learn MoreAnalyze spending patterns, plan a budget and more with these free tools.
Easily and securely transfer funds from your account to someone else using online and mobile banking.
Use our online and mobile banking Credit Score tool to help you make informed financial decisions.
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Savings & CDs
Savings & CDs
Keep ready cash on hand with an array of savings options from First PREMIER Bank.
Learn MoreThe PREMIER Kids Club Savings account helps kids 12 and under learn the value of saving early.
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Loans & Credit Lines
Loans & Credit Lines
Planning a large purchase or consolidating debt? We have competitive rates on personal loans and flexible lines of credit!
Learn MoreCompetitive rates on personal, auto, home improvement, debt consolidation loans and more.
Enjoy flexible, easy access to cash when you need it most. Select from several, flexible options.
Get extra purchasing power and cash when you need it with a basic, revolving line of credit.
Fund home improvements, consolidate debt or other expenses with this secured line of credit.
For higher income individuals, extra spending flexibility and payment options you’ll love.
When it comes to making your loan payment you have several free and easy options.
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Mortgages
Mortgages
Competitive rates for home mortgages, construction loans, refinancing and more.
Learn MoreApply for a mortgage online today and receive fast processing, online status reporting and personal support.
Competitive mortgage rates with online application, fast processing, local decisioning and personal support.
Leverage your home equity to help fund home projects, gain more favorable rate and terms or consolidate debt.
First PREMIER Bank specializes in jumbo loans with competitive mortgage rates and fees.
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Investing
Investing
Simple-to-complex investing, financial and retirement planning and investment management for investors at any life stage.
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Wealth Management
Wealth Management
Private banking, hands-on financial and investment planning, portfolio management, estate planning and personal trust services.
Learn MoreProtect your assets and provide for the people and causes you care most about with an estate plan or personal trust.
Learn about the unique opportunities and benefits realized by establishing your trust in the state of South Dakota.
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Students & Parents
Students & Parents
Explore our unique offerings for students and parents. From college checking accounts to paid internships and scholarships.
Learn MoreShow your love for Dakota State University and give back to the university’s foundation with a First PREMIER Bank DSU Debit Mastercard.
Undergraduate and Graduate Student Loan options through our partner, Ascent. No application fee and flexible repayment options.
IRA Savings & CDs
It's never too late or too early to start saving for retirement. Make saving for that year-of-end retirement contribution a breeze with our IRA Savings and CDs.
Contact Us
The Basics
Get competitive interest rates and build up your retirement savings with automatic monthly transfers to fund your IRA Savings Account1. It's a great way to save gradually, and avoid the pain of an end-of-year lump sum contribution. Great if you're living on a budget while looking to the future.
The Details
- A liquid tax deferred IRA savings account1
- Minimum opening balance of just $502
- Automatic deposit transfers help you build up funds gradually
- An easy way to save for retirement
- FDIC insured
IRA Savings / Education Savings Deposit Account Rate
April 1, 2024
| Account Product Name | IRA Savings/Education Savings1 |
| Minimum Opening Deposit | $50.00 |
| Interest Rate | 0.45% |
| Annual Percentage Yield | 0.45% |
1The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account
Interest Rates and Annual Percentage Yields are current as of April 1, 2024.
For current rate information, call (605) 357-3000
Member
FDIC
Certificates of Deposit
First PREMIER Bank also offers an array of rate and term options for certificates of deposit. Lock in a great rate today with one of the market's lowest deposit amounts of $500. Select a term option that meets your needs, and rest assured knowing your savings are FDIC Insured. With an IRA CD, you can also enjoy tax-deferred savings.
Certificate of Deposit Terms & Rates
April 1, 2024
CD Special Rates
| CD Term | 7 Months2,5 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 5.01% |
| Annual Percentage Yield | 5.06% |
| CD Term | 17 Months2,6 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 4.40% |
| Annual Percentage Yield | 4.42% |
Standard CD Rates
| CD Term | 30 Days to < 6 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.29% |
| APY | 4.38% |
| CD Term | 6 to < 12 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.89% |
| APY | 3.93% |
| CD Term | 12 to < 24 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.44% |
| APY | 3.44% |
| CD Term | 24 to < 36 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.09% |
| APY | 3.09% |
| CD Term | 36 to < 48 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.04% |
| APY | 3.04% |
| CD Term | 48 to < 60 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.01% |
| APY | 3.01% |
| CD Term | 60 to < 72 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.01% |
| APY | 3.01% |
Reward CD Rates3
| CD Term | 30 Days to < 6 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.64% |
| APY | 4.74% |
| CD Term | 6 to < 12 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.24% |
| APY | 4.29% |
| CD Term | 12 to < 24 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.79% |
| APY | 3.79% |
| CD Term | 24 to < 36 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.44% |
| APY | 3.44% |
| CD Term | 36 to < 48 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.39% |
| APY | 3.39% |
| CD Term | 48 to < 60 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.29% |
| APY | 3.29% |
| CD Term | 60 to < 72 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.29% |
| APY | 3.29% |
2A penalty may be imposed for early withdrawal
3Must have a Reward Checking Account to be eligible for these rates
5After seven months, this will automatically renew into the 7-month CD special rate when available.
6After seventeen months, this will automatically renew into the 17-month CD special rate when available.
Fees could reduce the earnings on the account
Interest Rates and Annual Percentage Yields are current as of April 1, 2024
For current rate information, call (605) 357-3000
Member
FDIC
Regular Savings
Start your savings nest egg, use your account for overdraft protection and enjoy free Online and Mobile Banking.
Learn More
PREMIER Money Market
Earn tiered interest on savings over $500. The higher your balance, the better your rate.
Learn More
Disclosures
{1} This is a limited transaction, interest-bearing account available for liquid tax-deferred IRA. No penalty for early withdrawal (a Federal tax of 10% may apply if withdrawn before age 59½. Savings withdrawals are generally limited to six per month. You may make an unlimited number of withdrawals in person, by mail or at an automated teller machine (ATM). If the monthly withdrawal limit is exceeded, a fee of $1 for each excess withdrawal will be assessed. Fees can reduce earnings on the account and result in federal tax for early withdrawal.
{2} Minimum opening fee: You must deposit $50 to open the account.
Help & Contact
Legal Notices
Member FDIC | 
Equal Housing Lender