Credit union · NCUA insured
Co-op Credit Union CD Rates
Top CarrotCo-op Credit Union’s best CD rate is 4.20% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Co-op Credit Union’s CD rates compare
Compared with banks and credit unions near Willmar, MN, where Co-op Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Co-op Credit Union
4.20%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $420
Certificates of Deposit
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Co-op Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.20%
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 Co-op Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.20%APY · 6 terms
Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.20% | $420 |
| 18 months | 4.05% | $614 |
| 24 months | 3.65% | $743 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA CDs
Up to 4.20%APY · 6 terms
Can be used for Roth, Traditional, Coverdell Education, or Simplified Employee Pension (SEP) IRAs. Interest is paid monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.20% | $420 |
| 18 months | 4.05% | $614 |
| 24 months | 3.65% | $743 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
Sources (2)
All captured Oct 5, 2026
Who can join Co-op Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship or attend school in, and businesses and other legal entities located within Swift, Lac qui Parle, Chippewa, Renville, Yellow Medicine, Lincoln and Lyon counties in Minnesota are eligible for membership.
Employers and groups
- Employees of the Co-op Credit Union of Montevideo are eligible for membership.
- Members, shareholders, or employees of Farmers Co-op Oil Company, Clara City are eligible for membership.
- Members, shareholders, or employees of Farmers Union Oil Company of Montevideo are eligible for membership.
- Members, shareholders, or employees of Minnesota Valley Co-op Light & Power Association are eligible for membership.
Family and household
- Spouses of regularly qualified members, blood or adoptive relatives of either of them, and their spouses are eligible for membership.
Cost to join
- A membership share account can be opened with as little as $5.00.
Membership information collected October 4, 2026.