Bank · FDIC insured
First Independent Bank, Minnesota CD Rates
Top CarrotFirst Independent Bank, Minnesota’s best CD rate is 4.32% APY on a 2-year CD. Terms run from 7 months to 2 years. Rates checked October 16, 2026.
How First Independent Bank, Minnesota’s CD rates compare
Compared with banks and credit unions near Marshall, MN, where First Independent Bank, Minnesota has the most branches. $10,000, best rate first.
This bank’s best
First Independent Bank, Minnesota
4.32%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $883
CD (Certificate of Deposit) Account
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Leading Edge Credit Union
3.49%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $710
First Independent Bank, Minnesota CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.91%
- 9–15 months9–15 mo4.22%
- 16–30 months16–30 mo4.32%
- QualifiedQualified4.32%
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 First Independent Bank, Minnesota 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 (Certificate of Deposit) Account
Up to 4.32%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFixed rate. Renews to 7-Month Fixed term | 3.91% | $226 |
| 12 monthsFixed rate. Renews to 12-Month Fixed term | 3.49% | $349 |
| 13 monthsFixed rate. New Money Only. Renews to 12-Month Fixed term | 4.22% | $458 |
| 17 monthsFixed rate. Renews to 12-Month Fixed term | 3.70% | $528 |
| 24 monthsFixed rate. Renews to 12-Month Fixed term | 4.32% | $883 |
| 24 monthsVariable rate. Renews to 12-Month Fixed term | 3.91% | $797 |
Sources (1)
- fibmn.com/personal/savings-accounts · captured Oct 16, 2026
Special-purpose accounts
IRA (Individual Retirement Account)
Up to 4.06%APY · 5 terms
Traditional and Roth IRA CD certificate options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFixed rate. Renews to 7-Month Fixed term | 3.91% | $226 |
| 12 monthsFixed rate. Renews to 12-Month Fixed term | 3.49% | $349 |
| 17 monthsFixed rate. Renews to 17-Month Fixed term | 3.49% | $498 |
| 24 monthsFixed rate. Renews to 24-Month Fixed term | 4.06% | $828 |
| 48 monthsFixed rate. Renews to 48-Month Fixed term | 3.29% | $1,382 |
Sources (1)
- fibmn.com/personal/savings-accounts · captured Oct 16, 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.