Bank · FDIC insured
Community Bank Owatonna CD Rates
Community Bank Owatonna’s best CD rate is 4.25% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community Bank Owatonna’s CD rates compare
Compared with banks and credit unions near Owatonna, MN, where Community Bank Owatonna has the most branches. $10,000, best rate first.
This bank’s best
Community Bank Owatonna
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $534
CD Specials
Top rate
Federated Employees Credit Union
4.42%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,414
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Community Bank Owatonna CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- 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 Community Bank Owatonna 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.
CD Specials
Up to 4.25%APY · 2 terms
CD Special compounds quarterly and credits interest quarterly. A $5,000 minimum balance is required. Penalty may apply for early withdrawal (1 year or less: 3 months interest; more than 1 year: 6 months interest). 10 calendar days grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.06% | $201 |
| 15 months | 4.25% | $534 |
Sources (1)
- cbowatonna.com/certificates-of-deposit.html · captured Oct 5, 2026
Automatic Renewable Certificates
Up to 3.00%APY · 6 terms
Rates valid as of September 30, 2026. Renews automatically upon maturity. Early withdrawal penalties: 3 months interest for maturity 1 year or less; 6 months interest for maturity over 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Days term | 1.10% | $27 |
| 12 months1 Year term | 3.00% | $300 |
| 24 months2 Years term | 3.00% | $609 |
| 36 months3 Years term | 3.00% | $927 |
| 48 months4 Years term | 3.00% | $1,255 |
| 60 months5 Years term | 3.00% | $1,593 |
Sources (1)
- cbowatonna.com/certificates-of-deposit.html · captured Oct 5, 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.