Credit union · NCUA insured
Minnesota Valley Federal Credit Union CD Rates
Top CarrotMinnesota Valley Federal Credit Union’s best CD rate is 4.42% APY on a 5-year share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Minnesota Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Mankato, MN, where Minnesota Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Minnesota Valley Federal Credit Union
4.42%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,889
Share Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Minnesota Valley Federal Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.04%
- 9–15 months9–15 mo4.22%
- 16–30 months16–30 mo4.32%
- 31–60 months31–60 mo4.42%
- QualifiedQualified4.42%
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 Valley Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.42%APY · 10 terms
Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compound at maturity. Early withdrawal penalty of 90 days dividend applies | 3.91% | $96 |
| 6 monthsDividends compound at maturity. Early withdrawal penalty of 90 days dividend applies | 4.04% | $200 |
| 9 monthsDividends compound at maturity. Early withdrawal penalty of 90 days dividend applies | 4.02% | $300 |
| 12 monthsDividends compound quarterly. Early withdrawal penalty of 90 days dividend applies | 4.22% | $422 |
| 18 monthsDividends compound quarterly. Early withdrawal penalty of 180 days dividend applies | 4.22% | $640 |
| 24 monthsDividends compound quarterly. Early withdrawal penalty of 180 days dividend applies | 4.32% | $883 |
| 30 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 4.32% | $1,115 |
| 36 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 4.32% | $1,353 |
| 48 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 4.42% | $1,889 |
| 60 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 4.42% | $2,414 |
Sources (2)
All captured Oct 5, 2026
Triple Play Certificate
Up to 4.27%APY · 3 terms
Offers three options, each can be made once during the certificate's term: 1. Add up to 30% to principal; 2. Withdraw up to 30% of principal; 3. Increase to a higher rate. Minimum deposit of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends compound quarterly. Allows one-time add up to 30% to principal, withdraw up to 30%, or rate bump | 4.06% | $828 |
| 48 monthsDividends compound quarterly. Allows one-time add up to 30% to principal, withdraw up to 30%, or rate bump | 4.21% | $1,793 |
| 72 monthsDividends compound quarterly. Allows one-time add up to 30% to principal, withdraw up to 30%, or rate bump | 4.27% | $2,852 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate (Traditional & Roth)
Up to 3.96%APY · 4 terms
Traditional and Roth IRA Certificate. Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compound quarterly. Early withdrawal penalty of 90 days dividend applies | 3.96% | $396 |
| 18 monthsDividends compound quarterly. Early withdrawal penalty of 180 days dividend applies | 3.91% | $592 |
| 30 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 3.70% | $951 |
| 48 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 3.70% | $1,564 |
Sources (2)
All captured Oct 5, 2026
IRA Share Certificate (Coverdell Educational)
Up to 2.12%APY · 2 terms
Coverdell Educational IRA Certificate. Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compound quarterly. Early withdrawal penalty of 90 days dividend applies | 1.31% | $131 |
| 48 monthsDividends compound quarterly. Early withdrawal penalty of 270 days dividend applies | 2.12% | $875 |
Sources (2)
All captured Oct 5, 2026
Who can join Minnesota Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or volunteer, and businesses and other legal entities located in Blue Earth, Nicollet, Le Sueur, Waseca, Brown, or Watonwan counties are eligible for membership.
Family and household
- Immediate family members of existing MVFCU members are eligible to join.
Membership information collected October 4, 2026.