Bank · FDIC insured
FNC Bank CD Rates
FNC Bank’s best CD rate is 4.11% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How FNC Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where FNC Bank has the most branches. $10,000, best rate first.
This bank’s best
FNC Bank
4.11%APY
- Term
- 6 months
- Minimum
- $250
- Earns on $10,000
- $203
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
FNC Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.11%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo2.69%
- QualifiedQualified4.11%
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 FNC 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 4.11%APY · 8 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 182 Day | 4.11% | $203 |
| 9 months | 4.06% | $303 |
| 12 months | 4.06% | $406 |
| 18 months | 3.92% | $594 |
| 24 months | 3.87% | $789 |
| 36 months | 2.51% | $772 |
| 48 months | 2.59% | $1,077 |
| 60 months | 2.69% | $1,419 |
Sources (1)
- fnc.bank/cds · 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.