Bank · FDIC insured
Border Bank CD Rates
Border Bank’s best CD rate is 4.25% APY on a 23-month CD. Terms run from 7 months to 23 months. Rates checked October 22, 2026.
How Border Bank’s CD rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Border Bank has the most branches. $10,000, best rate first.
This bank’s best
Border Bank
4.25%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $830
23 Month CD Special
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
Border Bank CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- QualifiedQualified4.25%
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 Border 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.
23 Month CD Special
4.25%APY · 1 term
$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 23 months$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply | 4.25% | $830 |
Sources (1)
- border.bank/Personal/CDs · captured Sep 19, 2026
Options 12 CD Special
4.15%APY · 1 term
$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Allows one additional deposit less than or equivalent to initial deposit, one penalty-free withdrawal of up to 50% of current balance, and one rate change during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Make one additional deposit less than or equivalent to initial deposit; make one penalty free withdrawal of up to 50% of current balance; rate may be changed one time during the term | 4.15% | $415 |
Sources (1)
- border.bank/Personal/CDs · captured Sep 19, 2026
7 Month CD Special
4.00%APY · 1 term
$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months$5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply | 4.00% | $231 |
Sources (1)
- border.bank/Personal/CDs · captured Sep 19, 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.