Bank · FDIC insured
Northwoods Bank of Minnesota CD Rates
Northwoods Bank of Minnesota’s best CD rate is 4.06% APY on an 11-month CD. Terms run from 5 months to 13 months. Rates checked October 16, 2026.
How Northwoods Bank of Minnesota’s CD rates compare
Compared with banks and credit unions in Minnesota, where Northwoods Bank of Minnesota has the most branches. $10,000, best rate first.
This bank’s best
Northwoods Bank of Minnesota
3.60%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $330
11 Month CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
11 Month CD
3.60%APY · 1 term
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 – $249,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 11 months | 3.21% | 3.60% | 4.01% | 4.06% | 3.60%3.21% $1k–$10k4.01% $100k–$249k4.06% from $250k | $330 |
Sources (1)
- northwoodsbank.com/personal-banking/rates-fees · captured Sep 18, 2026
5 Month CD
3.28%APY · 1 term
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 months | — | 3.64% | —3.64% from $100k | — |
| 5 months$2,500 Minimum to open | 3.28% | — | 3.28% | $135 |
Sources (1)
- northwoodsbank.com/personal-banking/rates-fees · captured Sep 18, 2026
13 Month CD (Pine City)
3.00%APY · 1 term
Pine City branch location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAvailable at Pine City branch | 3.00% | $325 |
Sources (1)
- northwoodsbank.com/personal-banking/rates-fees · captured Sep 18, 2026
Closed to new customers
91 Day CD Renewal Only
3.14%APY · 1 term
Renewal only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRenewal only | 3.14% | $78 |
Sources (1)
- northwoodsbank.com/personal-banking/rates-fees · captured Sep 18, 2026
182 Day CD Renewal Only
3.00%APY · 1 term
Renewal only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRenewal only | 3.00% | $149 |
Sources (1)
- northwoodsbank.com/personal-banking/rates-fees · captured Sep 18, 2026
Opening an account
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