Bank · FDIC insured
Bonanza Valley State Bank CD Rates
Bonanza Valley State Bank’s best CD rate is 3.80% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Bonanza Valley State Bank’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where Bonanza Valley State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bonanza Valley State Bank
3.80%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $380
Certificate of Deposit
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
Bonanza Valley State Bank CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.80%
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 Bonanza Valley State Bank 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.
Certificate of Deposit
Up to 3.80%APY · 9 terms
Interest credited quarterly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 91 days. All terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 1.36% | $0 |
| UnknownTerm is 91 days. Penalties may apply for early withdrawal | 2.40% | $0 |
| 6 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 1.81% | $90 |
| 6 monthsPenalties may apply for early withdrawal | 3.30% | $164 |
| 12 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.46% | $246 |
| 12 monthsPenalties may apply for early withdrawal | 3.80% | $380 |
| 18 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.51% | $379 |
| 18 monthsPenalties may apply for early withdrawal | 3.80% | $575 |
| 24 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.66% | $539 |
| 24 monthsPenalties may apply for early withdrawal | 3.10% | $630 |
| 30 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.70% | $689 |
| 30 monthsPenalties may apply for early withdrawal | 2.75% | $702 |
| 36 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.75% | $848 |
| 36 monthsPenalties may apply for early withdrawal | 3.20% | $991 |
| 48 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 2.81% | $1,172 |
| 48 monthsPenalties may apply for early withdrawal | 3.30% | $1,387 |
| 60 monthsAll terms have a $500.00 Minimum Balance. Penalties may apply for early withdrawal | 3.01% | $1,598 |
| 60 monthsPenalties may apply for early withdrawal | 3.40% | $1,820 |
Sources (3)
- bvsb.bank/Pages/rates.html
- bvsb.bank/Pages/savings-accounts.html
- bvsb.bank/Pages/CurrentDepositRates.html
All captured Sep 18, 2026
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