Bank · FDIC insured
Cornerstone State Bank CD Rates
Cornerstone State Bank’s best CD rate is 3.60% APY on a 3-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cornerstone State Bank’s CD rates compare
Compared with banks and credit unions in Minnesota, where Cornerstone State Bank has the most branches. $10,000, best rate first.
This bank’s best
Cornerstone State Bank
3.60%APY
- Term
- 3 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $89
3 - Month C.D.
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $10
- Earns on $10,000
- $1,606
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
3 - Month C.D.
3.60%APY · 1 term
Compounded Quarterly. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsCompounded Quarterly | 3.60% | 3.60% | 3.60% | — | 3.60%3.60% $25k–$75k3.60% $75k–$200k | $89 |
| 3 monthsCompounded Quarterly. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.60% | —3.60% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
12 - 23 Month C.D.
3.58%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12–23 monthsCompounded Semi-Annually | 3.58% | 3.58% | 3.58% | — | 3.58%3.58% $25k–$75k3.58% $75k–$200k | $358 |
| 12–23 monthsCompounded Semi-Annually. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.58% | —3.58% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
6 - Month C.D.
3.58%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsCompounded Semi-Annually | 3.58% | 3.58% | 3.58% | — | 3.58%3.58% $25k–$75k3.58% $75k–$200k | $177 |
| 6 monthsCompounded Semi-Annually. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.58% | —3.58% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
24 - 35 Month C.D.
2.82%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 24–35 monthsCompounded Semi-Annually | 2.82% | 3.33% | 3.33% | — | 2.82%3.33% $25k–$75k3.33% $75k–$200k | $572 |
| 24–35 monthsCompounded Semi-Annually. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.33% | —3.33% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
36 - 48 Month C.D.
3.07%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 36–48 monthsCompounded Semi-Annually | 3.07% | 3.33% | 3.33% | — | 3.07%3.33% $25k–$75k3.33% $75k–$200k | $950 |
| 36–48 monthsCompounded Semi-Annually. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.33% | —3.33% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
60 - Month C.D.
3.07%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 60 monthsCompounded Semi-Annually | 3.07% | 3.33% | 3.33% | — | 3.07%3.33% $25k–$75k3.33% $75k–$200k | $1,632 |
| 60 monthsCompounded Semi-Annually. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 3.33% | —3.33% from $200k | — |
Sources (1)
- cornerstonestatebank.com/deposit-rates · captured Oct 16, 2026
Special-purpose accounts
IRA 36-48 month C.D.
3.84%APY · 1 term
Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. Subject to IRS rules and regulations. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
| Term | APY · Up to $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 36–48 monthsCompounded Semi-Annually. IRA's are subject to IRS rules and regulations | 3.84% | 4.35% | 4.86% | — | 3.84%4.35% $25k–$75k4.86% $75k–$200k | $1,197 |
| 36–48 monthsCompounded Semi-Annually. IRA's are subject to IRS rules and regulations. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month | — | — | — | 4.86% | —4.86% from $200k | — |
Sources (2)
All captured Oct 16, 2026
Opening an account
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