Bank · FDIC insured
MidCountry Bank CD Rates
MidCountry Bank’s best CD rate is 4.06% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MidCountry Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where MidCountry Bank has the most branches. $10,000, best rate first.
This bank’s best
MidCountry Bank
2.52%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $125
Certificate 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
MidCountry Bank CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo0.10%
- 31–60 months31–60 mo0.10%
- QualifiedQualified2.52%
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 MidCountry 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.
Variable Rate Certificate of Deposit
4.06%APY · 1 term
For businesses & consumers. Interest will be compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPrime minus 3.00% (Current Prime Rate 7.00% as of 9/17/2026). Rate applicable to new money only. IRA accounts are not eligible | 4.06% | — |
Sources (3)
- midcountry.bank/personal-banki…/certificates-of-deposit
- midcountry.bank/rates
- midcountry.bank/wp-content/upl…5/Deposit-Rate-Sheet.pdf
All captured Oct 5, 2026
Certificate of Deposit
Up to 2.52%APY · 8 terms
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $25,000 and up | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 monthsTier 1 | 2.52% | — | — | — | — | 2.52% | $125 |
| 6 monthsTier 2 | — | 2.93% | — | — | — | —2.93% $25k–$50k | — |
| 6 monthsTier 3 | — | — | — | 3.03% | — | —3.03% $50k–$100k | — |
| 6 monthsTier 4 | — | — | — | — | 3.13% | —3.13% from $100k | — |
| 7 monthsRate applicable to new money only. IRA accounts are not eligible | — | — | 3.57% | — | — | —3.57% from $25k | — |
| 12 monthsTier 1 | 2.50% | — | — | — | — | 2.50% | $250 |
| 12 monthsTier 2 | — | 3.15% | — | — | — | —3.15% $25k–$50k | — |
| 12 monthsTier 3 | — | — | — | 3.25% | — | —3.25% $50k–$100k | — |
| 12 monthsTier 4 | — | — | — | — | 3.35% | —3.35% from $100k | — |
| 18 monthsTier 1 | 0.10% | — | — | — | — | 0.10% | $15 |
| 18 monthsTier 2 | — | 3.03% | — | — | — | —3.03% $25k–$50k | — |
| 18 monthsTier 3 | — | — | — | 3.03% | — | —3.03% $50k–$100k | — |
| 18 monthsTier 4 | — | — | — | — | 3.03% | —3.03% from $100k | — |
| 24 monthsTier 1 | 0.10% | — | — | — | — | 0.10% | $20 |
| 24 monthsTier 2 | — | 3.04% | — | — | — | —3.04% $25k–$50k | — |
| 24 monthsTier 3 | — | — | — | 3.04% | — | —3.04% $50k–$100k | — |
| 24 monthsTier 4 | — | — | — | — | 3.04% | —3.04% from $100k | — |
| 36 monthsTier 1 | 0.10% | — | — | — | — | 0.10% | $30 |
| 36 monthsTier 2 | — | 2.63% | — | — | — | —2.63% $25k–$50k | — |
| 36 monthsTier 3 | — | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 36 monthsTier 4 | — | — | — | — | 2.83% | —2.83% from $100k | — |
| 48 monthsTier 1 | 0.10% | — | — | — | — | 0.10% | $40 |
| 48 monthsTier 2 | — | 2.63% | — | — | — | —2.63% $25k–$50k | — |
| 48 monthsTier 3 | — | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 48 monthsTier 4 | — | — | — | — | 2.83% | —2.83% from $100k | — |
| 60 monthsTier 1 | 0.10% | — | — | — | — | 0.10% | $50 |
| 60 monthsTier 2 | — | 2.63% | — | — | — | —2.63% $25k–$50k | — |
| 60 monthsTier 3 | — | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 60 monthsTier 4 | — | — | — | — | 2.83% | —2.83% from $100k | — |
Sources (3)
- midcountry.bank/personal-banki…/certificates-of-deposit
- midcountry.bank/rates
- midcountry.bank/wp-content/upl…5/Deposit-Rate-Sheet.pdf
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 2.52%APY · 7 terms
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsTier 1 | 2.52% | — | — | — | 2.52% | $125 |
| 6 monthsTier 2 | — | 2.93% | — | — | —2.93% $25k–$50k | — |
| 6 monthsTier 3 | — | — | 3.03% | — | —3.03% $50k–$100k | — |
| 6 monthsTier 4 | — | — | — | 3.13% | —3.13% from $100k | — |
| 12 monthsTier 1 | 2.50% | — | — | — | 2.50% | $250 |
| 12 monthsTier 2 | — | 3.15% | — | — | —3.15% $25k–$50k | — |
| 12 monthsTier 3 | — | — | 3.25% | — | —3.25% $50k–$100k | — |
| 12 monthsTier 4 | — | — | — | 3.35% | —3.35% from $100k | — |
| 18 monthsTier 1 | 0.10% | — | — | — | 0.10% | $15 |
| 18 monthsTier 2 | — | 3.03% | — | — | —3.03% $25k–$50k | — |
| 18 monthsTier 3 | — | — | 3.03% | — | —3.03% $50k–$100k | — |
| 18 monthsTier 4 | — | — | — | 3.03% | —3.03% from $100k | — |
| 24 monthsTier 1 | 0.10% | — | — | — | 0.10% | $20 |
| 24 monthsTier 2 | — | 3.04% | — | — | —3.04% $25k–$50k | — |
| 24 monthsTier 3 | — | — | 3.04% | — | —3.04% $50k–$100k | — |
| 24 monthsTier 4 | — | — | — | 3.04% | —3.04% from $100k | — |
| 36 monthsTier 1 | 0.10% | — | — | — | 0.10% | $30 |
| 36 monthsTier 2 | — | 2.63% | — | — | —2.63% $25k–$50k | — |
| 36 monthsTier 3 | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 36 monthsTier 4 | — | — | — | 2.83% | —2.83% from $100k | — |
| 48 monthsTier 1 | 0.10% | — | — | — | 0.10% | $40 |
| 48 monthsTier 2 | — | 2.63% | — | — | —2.63% $25k–$50k | — |
| 48 monthsTier 3 | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 48 monthsTier 4 | — | — | — | 2.83% | —2.83% from $100k | — |
| 60 monthsTier 1 | 0.10% | — | — | — | 0.10% | $50 |
| 60 monthsTier 2 | — | 2.63% | — | — | —2.63% $25k–$50k | — |
| 60 monthsTier 3 | — | — | 2.73% | — | —2.73% $50k–$100k | — |
| 60 monthsTier 4 | — | — | — | 2.83% | —2.83% from $100k | — |
Sources (2)
All captured Oct 5, 2026
Opening an account
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