Bank · FDIC insured
FNB St. James CD Rates
FNB St. James’s best CD rate is 3.75% APY on a 1-year CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How FNB St. James’s CD rates compare
Compared with banks and credit unions in Minnesota, where FNB St. James has the most branches. $10,000, best rate first.
This bank’s best
FNB St. James
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
FNB St. James CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.75%
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 FNB St. James 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.
Certificate of Deposit
Up to 3.75%APY · 7 terms
Early withdrawal penalty applies (90 days of interest on maturities of one year or less, 180 days of interest on maturities greater than one year). Minimum to open is $500.00. Interest compounded quarterly on terms of 12 months or greater, paid at maturity for 91-day and 182-day terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid at maturity. 90-day interest early withdrawal penalty | 0.10% | $2 |
| 6 monthsInterest paid at maturity. 90-day interest early withdrawal penalty | 3.50% | $173 |
| 12 monthsInterest compounded quarterly. 90-day interest early withdrawal penalty | 3.75% | $375 |
| 18 monthsInterest compounded quarterly. 180-day interest early withdrawal penalty | 2.75% | $415 |
| 24 monthsInterest compounded quarterly. 180-day interest early withdrawal penalty | 2.50% | $506 |
| 30 monthsInterest compounded quarterly. 180-day interest early withdrawal penalty | 1.51% | $382 |
| 36 monthsInterest compounded quarterly. 180-day interest early withdrawal penalty | 2.52% | $775 |
36 Month Variable Certificate of Deposit
2.52%APY · 1 term
Allows rate increase to the current 36-month rate 1 time during the 36-month term if interest rates rise. Minimum to open is $5,000.00. Subject to penalty for early withdrawal equal to 180 days of interest. Interest compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsRate can be increased to current 36-month rate once during the 36-month term if interest rates rise. Interest compounded quarterly. 180-day interest early withdrawal penalty | 2.52% | $775 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 3.75%APY · 3 terms
Offered in Traditional and Roth IRA Certificate of Deposit. Available in terms of 12, 24, and 36 months at the posted CD rate. Subject to early withdrawal penalties and IRA eligibility/contribution rules.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional and Roth IRA CD. Interest compounded quarterly. 90-day interest early withdrawal penalty | 3.75% | $375 |
| 24 monthsTraditional and Roth IRA CD. Interest compounded quarterly. 180-day interest early withdrawal penalty | 2.50% | $506 |
| 36 monthsTraditional and Roth IRA CD. Interest compounded quarterly. 180-day interest early withdrawal penalty | 2.52% | $775 |
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.