Bank · FDIC insured
First Security Bank CD Rates
First Security Bank’s best CD rate is 4.20% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Security Bank’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where First Security Bank has the most branches. $10,000, best rate first.
This bank’s best
First Security Bank
4.20%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $637
Certificates of Deposit
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
First Security Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.20%
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 Security Bank 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 4.20%APY · 9 terms
Early withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months182 Day term | 3.79% | $188 |
| 9 months | 3.50% | $261 |
| 12 months | 3.90% | $390 |
| 18 monthsPromoted as CD Special | 4.20% | $637 |
| 24 months | 3.25% | $661 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Grow Green CD
6.09%APY
Available to Kids ages 12-17. Must have Kids Klub savings account to qualify. Set up as UTMA account; only one account per child. Maximum deposit of $2,000. Certificate matures on child's 18th birthday. Interest compounds semiannually. Substantial penalty for early withdrawal. Does not automatically renew at maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Ages 12-17; maximum contribution of $2,000; term varies depending on child's 18th birthday; substantial penalty for early withdrawalUp to $2,000 | 6.09% | — | Ages 12-17; maximum contribution of $2,000; term varies depending on child's 18th birthday; substantial penalty for early withdrawal |
Sources (2)
All captured Sep 18, 2026
Youth CD
Up to 4.20%APY · 9 terms
Available to kids under the age of 18. Automatically renewable. Interest compounds semiannually. Same rates and terms as First Security Bank's $500 minimum balance certificates. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSame rate and term as standard 90 Day CD | 0.50% | $12 |
| 6 months182 Day term; same rate and term as standard 182 Day CD | 3.79% | $188 |
| 9 monthsSame rate and term as standard 9 Month CD | 3.50% | $261 |
| 12 monthsSame rate and term as standard 12 Month CD | 3.90% | $390 |
| 18 monthsSame rate and term as standard 18 Month CD | 4.20% | $637 |
| 24 monthsSame rate and term as standard 24 Month CD | 3.25% | $661 |
| 36 monthsSame rate and term as standard 36 Month CD | 3.50% | $1,087 |
| 48 monthsSame rate and term as standard 48 Month CD | 3.75% | $1,587 |
| 60 monthsSame rate and term as standard 60 Month CD | 3.75% | $2,021 |
Sources (2)
All captured Sep 18, 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.