Bank · FDIC insured
First National Bank of Moose Lake CD Rates
First National Bank of Moose Lake’s best CD rate is 4.20% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Moose Lake’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where First National Bank of Moose Lake has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Moose Lake
3.60%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $733
Certificates of Deposit
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
First National Bank of Moose Lake CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 National Bank of Moose Lake 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.
Certificates of Deposit
Up to 3.60%APY · 9 terms
A Certificate of Deposit (CD) account is a time deposit account. Automatically renewable, unless you withdraw the funds at maturity. Early withdrawal penalty may apply. Fees could reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: 1 month | — | 2.01% | — | 2.01% | $50 |
| 6 monthsEarly withdrawal penalty: 3 month | — | 3.50% | — | 3.50% | $173 |
| 7 months7 Month CD Special. Early withdrawal penalty: 3 month | — | — | 4.10% | —4.10% from $25k | — |
| 12 monthsEarly withdrawal penalty: 6 month | — | 3.50% | — | 3.50% | $350 |
| 13 months13 Month CD Special. Early withdrawal penalty: 6 month | — | — | 4.20% | —4.20% from $25k | — |
| 24 monthsEarly withdrawal penalty: 1 year | 3.60% | — | — | 3.60% | $733 |
| 30 monthsEarly withdrawal penalty: 1 year | 3.60% | — | — | 3.60% | $924 |
| 36 monthsEarly withdrawal penalty: 1 year | 3.60% | — | — | 3.60% | $1,119 |
| 60 monthsEarly withdrawal penalty: 18 month | 3.60% | — | — | 3.60% | $1,934 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRAs)
3.60%APY · 1 term
All IRAs are invested in an 18 month Certificate of Deposit (CD). Available as Traditional IRA or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsEarly withdrawal penalty: 6 month. Stated term of 18 months per IRA product specification | 3.60% | $545 |
Sources (2)
All 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.