Bank · FDIC insured
First State Bank of Bigfork CD Rates
First State Bank of Bigfork’s best CD rate is 3.70% APY on a 1-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How First State Bank of Bigfork’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MN, where First State Bank of Bigfork has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of Bigfork
3.60%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $360
Certificates of Deposit (CDs)
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
First State Bank of Bigfork CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.49%
- 31–60 months31–60 mo3.49%
- 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 State Bank of Bigfork 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 (CDs)
Up to 3.60%APY · 6 terms
Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
| Term | APY · $500 – $5,000 | APY · $2,500 and up | APY · $5,000 – $45,000 | APY · $45,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| Unknown182-day term. Penalty of 30 days interest is imposed on early withdrawal. Grace period of 10 calendar days after maturity | — | 2.26% | — | — | 2.26% | $0 |
| Unknown91-day term. Penalty of 30 days interest is imposed on early withdrawal. Grace period of 10 calendar days after maturity | — | 1.76% | — | — | 1.76% | $0 |
| 12 monthsMust maintain a minimum daily balance to obtain the disclosed APY. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly. Grace period of 10 calendar days after maturity | 3.49% | — | 3.60% | 3.70% | 3.60%3.49% $500–$5k3.70% from $45k | $360 |
| 24 monthsMust maintain a minimum daily balance to obtain the disclosed APY. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly. Grace period of 10 calendar days after maturity | 3.39% | — | 3.49% | 3.60% | 3.49%3.39% $500–$5k3.60% from $45k | $710 |
| 36 monthsEarly withdrawal penalty of 180 days interest. Grace period of 10 calendar days after maturity | 3.39% | — | 3.49% | 3.60% | 3.49%3.39% $500–$5k3.60% from $45k | $1,084 |
| 48 monthsEarly withdrawal penalty of 180 days interest. Grace period of 10 calendar days after maturity | 3.39% | — | 3.49% | 3.60% | 3.49%3.39% $500–$5k3.60% from $45k | $1,471 |
| 60 monthsEarly withdrawal penalty of 180 days interest. Grace period of 10 calendar days after maturity | 3.39% | — | 3.49% | 3.60% | 3.49%3.39% $500–$5k3.60% from $45k | $1,871 |
Special-purpose accounts
Education Certificates of Deposit (CDs)
3.49%APY · 1 term
Account is for children under age 18 (child's name must be on certificate). Automatically renews at maturity until age 18 (will not renew after child reaches age 18). Funds paid directly to customer if not renewed. No setup or maintenance fees. Early withdrawal penalty equals 180 days interest (no penalty for early redemption after age 18). Grace period of 10 calendar days after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 42 monthsMust maintain a minimum daily balance of $100 in account each day to obtain disclosed APY. Additional deposits permitted (minimum $25). Interest compounded and credited quarterly. Interest begins to accrue on the business day non-cash items (checks) are deposited | 3.49% | $1,276 |
Sources (2)
- fsbbigfork.com/personal/person…ates-of-deposit-cds.html
- fsbbigfork.com/services-tools/helpful-tools/rates.html
All captured Sep 18, 2026
Opening an account
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