Bank · FDIC insured
Perennial Bank CD Rates
Perennial Bank’s best CD rate is 3.53% APY on a 1-year CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Perennial Bank’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where Perennial Bank has the most branches. $10,000, best rate first.
This bank’s best
Perennial Bank
3.53%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $353
Certificates Of Deposit (CDs)
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
Perennial Bank CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo3.53%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.53%
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 Perennial 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.
Certificates Of Deposit (CDs)
Up to 3.53%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.52% | $63 |
| 6 months | 3.28% | $163 |
| 12 months | 3.53% | $353 |
| 30 months | 2.52% | $642 |
| 48 months | 2.52% | $1,047 |
Sources (3)
All captured Oct 5, 2026
Opening an account
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