Bank · FDIC insured
Harvest Bank CD Rates
Harvest Bank’s best CD rate is 4.00% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Harvest Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Harvest Bank has the most branches. $10,000, best rate first.
This bank’s best
Harvest Bank
3.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,021
Fixed Rate Certificates of Deposit ($1,000 Minimum)
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
Harvest Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.75%
- 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 Harvest 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.
Fixed Rate Certificates of Deposit ($100,000 Minimum)
Up to 4.00%APY · 6 terms
Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.55% | $176 |
| 12 monthsEarly withdrawal penalty applies | 3.60% | $360 |
| 24 monthsEarly withdrawal penalty applies | 3.70% | $754 |
| 36 monthsEarly withdrawal penalty applies | 3.80% | $1,184 |
| 48 monthsEarly withdrawal penalty applies | 3.90% | $1,654 |
| 60 monthsEarly withdrawal penalty applies | 4.00% | $2,167 |
Sources (2)
- harvestbank.com/personal/perso…ates-of-deposit-cds.html
- harvestbank.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Fixed Rate Certificates of Deposit ($25,000 Minimum)
Up to 3.85%APY · 6 terms
Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.40% | $169 |
| 12 monthsEarly withdrawal penalty applies | 3.45% | $345 |
| 24 monthsEarly withdrawal penalty applies | 3.55% | $723 |
| 36 monthsEarly withdrawal penalty applies | 3.65% | $1,135 |
| 48 monthsEarly withdrawal penalty applies | 3.75% | $1,587 |
| 60 monthsEarly withdrawal penalty applies | 3.85% | $2,079 |
Sources (2)
- harvestbank.com/personal/perso…ates-of-deposit-cds.html
- harvestbank.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Fixed Rate Certificates of Deposit ($1,000 Minimum)
Up to 3.75%APY · 6 terms
Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.30% | $164 |
| 12 monthsEarly withdrawal penalty applies | 3.35% | $335 |
| 24 monthsEarly withdrawal penalty applies | 3.45% | $702 |
| 36 monthsEarly withdrawal penalty applies | 3.55% | $1,103 |
| 48 monthsEarly withdrawal penalty applies | 3.65% | $1,542 |
| 60 monthsEarly withdrawal penalty applies | 3.75% | $2,021 |
Sources (2)
- harvestbank.com/personal/perso…ates-of-deposit-cds.html
- harvestbank.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (Variable Rate)
3.25%APY · 1 term
Variable rate feature; rate may change after account is opened. Penalty may be imposed for early withdrawal. Available in Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees; $35 fee to close account.
| Term | APY · $250 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsVariable rate feature; rate may change after account is opened. Penalty may be imposed for early withdrawal. $35 fee to close account | 2.75% | 3.25% | 3.25%2.75% $250–$10k | $1,007 |
Sources (2)
- harvestbank.com/personal/perso…ement-accounts-iras.html
- harvestbank.com/services-tools/tools/rates.html
All captured Oct 5, 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.