Bank · FDIC insured
Foresight Bank CD Rates
Top CarrotForesight Bank’s best CD rate is 4.22% APY on a 3-year CD. Terms run from 1 month to 6 years. Rates checked October 16, 2026.
How Foresight Bank’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where Foresight Bank has the most branches. $10,000, best rate first.
This bank’s best
Foresight Bank
4.11%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,284
Certificate 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
Foresight Bank CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo1.96%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo3.91%
- 31–60 months31–60 mo4.11%
- 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 Foresight 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.
Certificate of Deposit
Up to 4.11%APY · 10 terms
FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $40,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 month | 1.16% | — | — | — | 1.16% | $10 |
| 3 months | 1.51% | — | — | — | 1.51% | $38 |
| 6 months | 1.91% | 1.96% | 2.02% | 2.07% | 1.91%1.96% from $10k2.02% from $40k2.07% from $100k | $95 |
| 12 months | 3.96% | 4.01% | 4.06% | 4.11% | 3.96%4.01% from $10k4.06% from $40k4.11% from $100k | $396 |
| 17 months17-Month Special | 3.85% | 3.91% | 3.96% | 4.01% | 3.85%3.91% from $10k3.96% from $40k4.01% from $100k | $550 |
| 24 months | 3.85% | 3.91% | 3.96% | 4.01% | 3.85%3.91% from $10k3.96% from $40k4.01% from $100k | $785 |
| 36 months | 4.06% | 4.11% | 4.16% | 4.22% | 4.06%4.11% from $10k4.16% from $40k4.22% from $100k | $1,268 |
| 48 months | 3.96% | 4.01% | 4.06% | 4.11% | 3.96%4.01% from $10k4.06% from $40k4.11% from $100k | $1,681 |
| 60 months | 4.01% | 4.06% | 4.11% | 4.16% | 4.01%4.06% from $10k4.11% from $40k4.16% from $100k | $2,172 |
| 72 monthsBump-Up | 4.01% | 4.06% | 4.11% | 4.16% | 4.01%4.06% from $10k4.11% from $40k4.16% from $100k | $2,660 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.11%APY · 8 terms
Available for Traditional and Roth IRAs (as well as SIMPLE, SEP, Beneficiary, Rollover, Transfer). Contact bank for rates on IRA CDs above $100,000.
| Term | APY · $200 and up | APY · $500 and up | APY · $10,000 and up | APY · $40,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 12 months | — | 3.96% | 4.01% | 4.06% | 4.11% | 3.96%4.01% from $10k4.06% from $40k4.11% from $100k | $396 |
| 17 months17-Month Special | — | 3.85% | 3.96% | 3.91% | 4.01% | 3.85%3.96% from $10k3.91% from $40k4.01% from $100k | $550 |
| 18 monthsVariable-Rate. Add new money after account is established | 3.44% | — | 3.49% | 3.55% | 3.60% | 3.44%3.49% from $10k3.55% from $40k3.60% from $100k | $520 |
| 24 months | — | 3.85% | 3.91% | 3.96% | 4.01% | 3.85%3.91% from $10k3.96% from $40k4.01% from $100k | $785 |
| 36 months | — | 4.06% | 4.11% | 4.16% | 4.22% | 4.06%4.11% from $10k4.16% from $40k4.22% from $100k | $1,268 |
| 48 months | — | 3.96% | 4.01% | 4.06% | 4.11% | 3.96%4.01% from $10k4.06% from $40k4.11% from $100k | $1,681 |
| 60 months | — | 4.01% | 4.06% | 4.11% | 4.16% | 4.01%4.06% from $10k4.11% from $40k4.16% from $100k | $2,172 |
| 72 monthsBump-Up | — | 4.01% | 4.06% | 4.11% | 4.16% | 4.01%4.06% from $10k4.11% from $40k4.16% from $100k | $2,660 |
Sources (1)
- foresight.bank/individual-retirement-accounts · 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.