Bank · FDIC insured
KodaBank CD Rates
KodaBank’s best CD rate is 4.26% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How KodaBank’s CD rates compare
Compared with banks and credit unions near Fargo, ND-MN, where KodaBank has the most branches. $10,000, best rate first.
This bank’s best
KodaBank
4.26%APY
- Term
- 15 months
- Minimum
- $2,500
- Earns on $10,000
- $535
Certificates of Deposit
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Midwest Bank
4.50%APY
- Term
- 54 months
- Minimum
- $500
- Earns on $10,000
- $2,191
KodaBank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.26%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.26%
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 KodaBank 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 4.26%APY · 9 terms
| Term | APY · Any balance | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | — | 3.60% | 3.70% | 3.80% | 3.60%3.70% $25k–$100k3.80% from $100k | $89 |
| 6 months | — | 3.58% | 3.68% | 3.78% | 3.58%3.68% $25k–$100k3.78% from $100k | $177 |
| 9 months9 Month CD Special | 4.12% | — | — | — | 4.12% | $307 |
| 12 months | — | 3.30% | 3.40% | 3.50% | 3.30%3.40% $25k–$100k3.50% from $100k | $330 |
| 15 months15 Month CD Special | 4.26% | — | — | — | 4.26% | $535 |
| 24 months | — | 3.30% | 3.40% | 3.50% | 3.30%3.40% $25k–$100k3.50% from $100k | $671 |
| 36 months | — | 3.30% | 3.40% | 3.50% | 3.30%3.40% $25k–$100k3.50% from $100k | $1,023 |
| 48 months | — | 3.30% | 3.40% | 3.50% | 3.30%3.40% $25k–$100k3.50% from $100k | $1,387 |
| 60 months | — | 3.40% | 3.50% | 3.60% | 3.40%3.50% $25k–$100k3.60% from $100k | $1,820 |
Sources (1)
- kodabank.com/personal/save-and-spend/cds-and-iras · captured Oct 4, 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.