## US-SD interest rules

This source-backed guide covers US-SD interest authority (S.D. Codified Laws § 54-3-5.1, § 54-3-16). It certifies only the quoted source-backed rules below; related interest categories remain outside this page unless they are expressly listed in the receipt.

## S.D. Codified Laws § 54-3-5.1, § 54-3-16

US-SD interest controlling authority under S.D. Codified Laws § 54-3-5.1, § 54-3-16.

> **54-3-5.1.** 54-3-5.1. Interest on judgments, statutory liens and inverse condemnations. Interest is payable on all judgments and statutory liens, exclusive of real estate mortgages and security agreements under Title 57A, and exclusive of support debts or judgments under § 25-7A-14, at the Category B rate of interest as established in § 54-3-16 from and after the date of judgment and date of filing statutory lien. On all judgments arising from inverse condemnation actions, interest is payable at the Category A rate of interest as established by § 54-3-16. Source: SL 1981, ch 349, §§ 1, 3; SL 1982, ch 341, § 3; SL 1983, ch 361; SL 1984, ch 319, § 31; SL 1986, ch 218, § 69; SL 2003, ch 242, § 1.

## Use the calculator

DocketMath's interest calculator can model interest scenarios once you identify the controlling jurisdiction, amount, rate type, and accrual date. Use the source panel for the verified source-backed rule.

[Open the Interest calculator](/tools/interest)

## Sources

- [54-3-5.1 — S.D. Codified Laws § 54-3-5.1, § 54-3-16](https://sdlegislature.gov/Statutes/54-3)

All sources are official primary law published by `sdlegislature.gov`.

**Corroboration method:** government_primary_source_direct_fetch.


DocketMath’s South Dakota judgment interest calculator helps you estimate the interest that may accrue on a South Dakota civil judgment over time. It’s ...

Judgment Interest Calculator Guide for South Dakota

ANO-831 surgery 2026-04-24: top-level cite swapped from § 21-1-13 (nonexistent in this form) to § 54-3-5.1 (judgment) + § 54-3-16 (Category B formula). Removed fabricated provisions: SDCL § 21-1-13 'six percent' / 'ten percent' / 'eight percent' raw text (real § 54-3-5.1 references Cat B formula, not a fixed rate); SDCL § 21-1-13.1 fabricated wrongful-death 10% sub-rule; SDCL § 21-1-13.2 fabricated state-agency sub-rule; SDCL § 54-3-5 fabricated 'six percent' raw text and § 54-3-6 fabricated '10% judgment rate' (real § 54-3-4 = 12% legal rate; § 54-3-5/§ 54-3-6 govern usury / contract maxima, not late payment); SDCL § 54-3-2 fabricated 6% default; SDCL § 54-3-1 fabricated 10% max; SDCL § 21-1-11 fabricated accrual rule; SDCL § 21-1-14 / § 21-1-15 fabricated escrow-allocation and $10,000-threshold sub-rules (these sections do not address escrow interest); SDCL § 43-32-7 / § 43-32-7.1 / § 43-32-7.2 fabricated 3% security-deposit rate, $5 notice threshold, and 1%-after-1-year add-on (SD has no security-deposit interest mandate); penalty Category C '12%' rate-notes claim removed (no general SD penalty-interest statute). Lien-misclassification, stale amendment, and cross-state transplant patterns all present in prior version.

(a) Persons empowered to bring a civil action A civil action may be brought— (1) by a participant or beneficiary— (A) for the relief provided for in subsection (c) of this section, or (B) to recover benefits due to him under the terms of his plan , to enforce his rights under the terms of the plan , or to clarify his rights to future benefits under the terms of the plan ; (2) by the Secretary , or by a participant , beneficiary or fiduciary for appropriate relief under section 1109 of this title ;

54-3-5.1 . Interest on judgments, statutory liens and inverse condemnations. Interest is payable on all judgments and statutory liens, exclusive of real estate mortgages and security agreements under Title 57A, and exclusive of support debts or judgments under § 25-7A-14 , at the Category B rate of interest as established in § 54-3-16 from and after the date of judgment and date of filing statutory lien. On all judgments arising from inverse condemnation actions, interest is payable at the Category A rate of interest as established by § 54-3-16 .

54-3-16 . Official state interest rates. The official state interest rates, as referenced throughout the South Dakota Codified Laws, are as follows: (1) Category A rate of interest is four and one - half percent per year; (2) Category B rate of interest is ten percent per year; (3) Category C rate of interest is twelve percent per year; (4) Category D rate of interest is one percent per month or fraction thereof; (5) Category E rate of interest is four percent per year; (6) Category F rate of interest is fifteen percent per year; and (7) Category G rate of interest is five - sixth percent per month or fraction thereof.

Under an obligation to pay interest, no rate being specified, interest is payable from date of incurrence of debt, unless the parties have otherwise agreed, at a maximum rate of the Category C rate of interest as established in § 54-3-16 , and in the like proportion for a longer or shorter term. In the computation of interest for less than a year, three hundred sixty days are deemed to constitute a year.

54-3-5.1 . Interest on judgments, statutory liens and inverse condemnations. Interest is payable on all judgments and statutory liens, exclusive of real estate mortgages and security agreements under Title 57A, and exclusive of support debts or judgments under § 25-7A-14 , at the Category B rate of interest as established in § 54-3-16 from and after the date of judgment and date of filing statutory lien. On all judgments arising from inverse condemnation actions, interest is payable at the Category A rate of interest as established by § 54-3-16 .

54-3-16 . Official state interest rates. The official state interest rates, as referenced throughout the South Dakota Codified Laws, are as follows: (1) Category A rate of interest is four and one - half percent per year; (2) Category B rate of interest is ten percent per year; (3) Category C rate of interest is twelve percent per year; (4) Category D rate of interest is one percent per month or fraction thereof; (5) Category E rate of interest is four percent per year; (6) Category F rate of interest is fifteen percent per year; and (7) Category G rate of interest is five - sixth percent per month or fraction thereof.

interest in US-SD is governed by S.D. Codified Laws § 54-3-5.1, § 54-3-16.