Bank · FDIC insured
Pillar Bank CD Rates
Pillar Bank’s best CD rate is 0.45% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Pillar Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Pillar Bank has the most branches. $10,000, best rate first.
This bank’s best
Pillar Bank
0.45%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $227
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Pillar Bank CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.15%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo0.45%
- QualifiedQualified0.45%
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 Pillar 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 of Deposit
Up to 0.45%APY · 8 terms
Minimum balance of $500.00 required to obtain disclosed APY. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day Certificate of Deposit; Compounding Frequency: At Maturity; early withdrawal penalty may apply | 0.05% | $1 |
| 6 months182 Day Certificate of Deposit; Compounding Frequency: At Maturity; early withdrawal penalty may apply | 0.10% | $5 |
| 12 months12 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.15% | $15 |
| 18 months18 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.20% | $30 |
| 24 months24 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.25% | $50 |
| 36 months36 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.30% | $90 |
| 48 months48 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.40% | $161 |
| 60 months60 Month Certificate of Deposit; Compounding Frequency: Quarterly; early withdrawal penalty may apply | 0.45% | $227 |
Special-purpose accounts
Health Savings Account Certificate of Deposit
2.50%APY · 1 term
An established HSA Checking with Pillar Bank is required. Minimum balance of $5,000.00 required to obtain disclosed APY. Early withdrawal penalty may apply. Any fees assessed may also reduce APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding Frequency: Quarterly. An established HSA Checking with Pillar Bank is required. Early withdrawal penalty may apply | 2.50% | $250 |
Sources (1)
- pillar.bank/savings-rates · captured Sep 18, 2026
Individual Retirement Certificate of Deposit
Up to 0.20%APY · 2 terms
Must maintain a minimum balance of $500.00 to obtain disclosed APY. Early withdrawal penalty may apply. Any fees assessed may also reduce APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding Frequency: Quarterly. Penalty may be imposed for early withdrawal | 0.15% | $15 |
| 18 monthsCompounding Frequency: Quarterly. Penalty may be imposed for early withdrawal | 0.20% | $30 |
Sources (1)
- pillar.bank/savings-rates · captured Sep 18, 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.