Bank · FDIC insured
Minnesota First CD Rates
Minnesota First’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How Minnesota First’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where Minnesota First has the most branches. $10,000, best rate first.
This bank’s best
Minnesota First
4.00%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $400
Special 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
Minnesota First CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.54%
- QualifiedQualified4.00%
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 Minnesota First 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.
Special Certificate of Deposit
Up to 4.00%APY · 2 terms
Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Commercial or Institutional funds are not eligible for CD specials. Special Certificate of Deposits renew at the current interest rate for the renewal rate term certificate of deposit. Each applicant must be present to open the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRenews at the current interest rate for a 6-month term. Commercial or Institutional funds are not eligible | 3.90% | $324 |
| 12 monthsRenews at the current interest rate for a 12-month term. Commercial or Institutional funds are not eligible | 4.00% | $400 |
Sources (3)
- mnfirst.com/wp-content/uploads…it-Account-Checklist.pdf
- mnfirst.com/owatonna-rates
- mnfirst.com/personal-banking/certificates-of-deposit
All captured Sep 25, 2026
Certificate of Deposit
Up to 3.65%APY · 8 terms
Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Each applicant must be present to open the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 3.50% | $173 |
| 12 months | 3.65% | $365 |
| 18 months | 3.65% | $552 |
| 24 months | 3.65% | $743 |
| 36 months | 3.54% | $1,100 |
| 48 months | 3.14% | $1,316 |
| 60 months | 3.29% | $1,757 |
Sources (3)
- mnfirst.com/wp-content/uploads…it-Account-Checklist.pdf
- mnfirst.com/owatonna-rates
- mnfirst.com/personal-banking/certificates-of-deposit
All captured Sep 25, 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.