Bank · FDIC insured
First National Bank of River Falls CD Rates
First National Bank of River Falls’s best CD rate is 0.70% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How First National Bank of River Falls’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where First National Bank of River Falls has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of River Falls
4.00%APY
- Term
- 39 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $1,359
CD Specials
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,684
First National Bank of River Falls CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.70%
- QualifiedQualified4.00%
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 River Falls 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 4.00%APY · 5 terms
Certificate account specials must have a Demand Deposit Account relationship. APY is accurate as of 09/25/2026, is for a limited time, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees and/or withdrawal of interest will reduce earnings. Withdrawal before maturity may result in loss of principal to you.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest paid/applied only at maturity. Must have a Demand Deposit Account relationship. Applies only to normal certificates and not IRA certificates | 3.50% | $173 |
| 9 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.60% | $269 |
| 19 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.80% | $608 |
| 29 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.90% | $969 |
| 39 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 4.00% | $1,359 |
CD Posted Rates
Up to 0.70%APY · 8 terms
Deposit rates are effective as of 09/25/2026. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthNo compounding | 0.05% | $0 |
| 3 monthsNo compounding | 0.25% | $6 |
| 6 monthsCompounded quarterly | 0.25% | $12 |
| 12 monthsCompounded quarterly | 0.30% | $30 |
| 24 monthsCompounded quarterly | 0.40% | $80 |
| 36 monthsCompounded quarterly | 0.50% | $151 |
| 48 monthsCompounded quarterly | 0.60% | $242 |
| 60 monthsCompounded quarterly | 0.70% | $355 |
Sources (1)
- fnbrf.com/rates · captured Oct 16, 2026
Special-purpose accounts
IRA CD Specials
Up to 4.00%APY · 4 terms
IRA account specials must have a Demand Deposit Account relationship. Deposit rates are effective as of 09/25/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.60% | $269 |
| 19 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.80% | $608 |
| 29 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 3.90% | $969 |
| 39 monthsCompounded monthly. Must have a Demand Deposit Account relationship | 4.00% | $1,359 |
Sources (1)
- fnbrf.com/rates · captured Oct 16, 2026
IRA CD Posted Rates
Up to 0.70%APY · 8 terms
Deposit rates are effective as of 09/25/2026. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthNo compounding | 0.05% | $0 |
| 3 monthsNo compounding | 0.25% | $6 |
| 6 monthsCompounded quarterly | 0.25% | $12 |
| 12 monthsCompounded quarterly | 0.30% | $30 |
| 24 monthsCompounded quarterly | 0.40% | $80 |
| 36 monthsCompounded quarterly | 0.50% | $151 |
| 48 monthsCompounded quarterly | 0.60% | $242 |
| 60 monthsCompounded quarterly | 0.70% | $355 |
Sources (1)
- fnbrf.com/rates · 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.