Bank · FDIC insured
Bank Forward CD Rates
Bank Forward’s best CD rate is 4.06% APY on a 21-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Bank Forward’s CD rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Bank Forward has the most branches. $10,000, best rate first.
This bank’s best
Bank Forward
4.06%APY
- Term
- 21 months
- Minimum
- —
- Earns on $10,000
- $720
Certificates of Deposit
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Midwest Bank
4.50%APY
- Term
- 54 months
- Minimum
- $500
- Earns on $10,000
- $2,191
Bank Forward CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank Forward ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.06%APY · 12 terms
A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.25% | — | 3.25% | $80 |
| 6 months | 3.25% | — | 3.25% | $161 |
| 7 months | — | 4.05% | 4.05% | $234 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 14 months | — | 4.05% | 4.05% | $474 |
| 18 months | 3.25% | — | 3.25% | $491 |
| 21 months | — | 4.06% | 4.06% | $720 |
| 24 months | 3.25% | — | 3.25% | $661 |
| 30 months | 3.25% | — | 3.25% | $832 |
| 36 months | 3.25% | — | 3.25% | $1,007 |
| 48 months | 3.25% | — | 3.25% | $1,365 |
| 60 months | 3.25% | — | 3.25% | $1,734 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.05%APY · 8 terms
A penalty may be imposed for early withdrawal. Traditional, Roth, SEP, Non-Deductible, and Simple IRA options available. FDIC insured up to $250,000.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months | — | 4.05% | 4.05% | $234 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 14 months | — | 4.05% | 4.05% | $474 |
| 18 months | 3.25% | — | 3.25% | $491 |
| 21 months | — | 4.05% | 4.05% | $719 |
| 24 months | 3.25% | — | 3.25% | $661 |
| 30 months | 3.25% | — | 3.25% | $832 |
| 60 months | 3.25% | — | 3.25% | $1,734 |
Sources (2)
- bankforward.com/bank/personal/…ras-traditional-roth-sep
- bankforward.com/learning-cente…e-current-interest-rates
All captured Oct 22, 2026
Closed to new customers
33 Month Triple Option
3.25%APY · 1 term
No longer available; for rate changes only. Rates are variable and may change after account is opened. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 33 monthsNo longer available; for rate changes only. Rates are variable and may change after account is opened | 3.25% | $919 |
Sources (1)
- bankforward.com/learning-cente…e-current-interest-rates · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.