Bank · FDIC insured
Odin State Bank CD Rates
Odin State Bank’s best CD rate is 4.07% APY on a 7-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Odin State Bank’s CD rates compare
Compared with banks and credit unions in Minnesota, where Odin State Bank has the most branches. $10,000, best rate first.
This bank’s best
Odin State Bank
4.07%APY
- Term
- 7 months
- Minimum
- $2,500
- Earns on $10,000
- $235
Certificate Specials
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
Odin State Bank CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo3.94%
- 16–30 months16–30 mo3.79%
- 31–60 months31–60 mo3.53%
- QualifiedQualified4.07%
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 Odin State 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.
Certificate Specials
Up to 4.07%APY · 5 terms
| Term | APY · $2,500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsSEVEN (7) MONTH Special | 4.07% | — | 4.07% | $235 |
| 12 monthsTWELVE (12) MONTH Special | — | 3.94% | 3.94% | $394 |
| 15 monthsFIFTEEN (15) MONTH Special | — | 3.79% | 3.79% | $476 |
| 18 monthsEIGHTEEN (18) MONTH Special | — | 3.79% | 3.79% | $574 |
| 30 monthsTHIRTY (30) MONTH Special | 3.79% | — | 3.79% | $975 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
One Year Certificate
Up to 3.94%APY · 1 term
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsTier 1 | 3.02% | — | 3.02% | $302 |
| 12 monthsTier 2 | — | 3.94% | 3.94% | $394 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
Four Year Certificate
Up to 3.53%APY · 1 term
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 48 monthsTier 1 | 3.02% | — | 3.02% | $1,264 |
| 48 monthsTier 2 | — | 3.53% | 3.53% | $1,489 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
Three Year Certificate
Up to 3.53%APY · 1 term
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsTier 1 | 3.02% | — | 3.02% | $934 |
| 36 monthsTier 2 | — | 3.53% | 3.53% | $1,097 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
Two Year Certificate
Up to 3.53%APY · 1 term
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsTier 1 | 3.02% | — | 3.02% | $613 |
| 24 monthsTier 2 | — | 3.53% | 3.53% | $718 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
182 Day Certificate
Up to 1.51%APY · 1 term
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTier 1 | 1.00% | — | 1.00% | $50 |
| 6 monthsTier 2 | — | 1.51% | 1.51% | $75 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
91 Day Certificate
0.35%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.35% | $9 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
Special-purpose accounts
IRA/KEOGH Accounts Three Year Certificate
2.87%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 2.87% | $886 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 2026
Special 18 Month IRA CD
2.87%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.87% | $434 |
Sources (1)
- onlinebanking.odinstatebank.com/Pages/deposit-rates.html · captured Oct 5, 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.