Bank · FDIC insured
Reliance Bank CD Rates
Reliance Bank’s best CD rate is 3.79% APY on a 6-month CD. Terms run from 3 months to 42 months. Rates checked October 16, 2026.
How Reliance Bank’s CD rates compare
Compared with banks and credit unions near Faribault, MN, where Reliance Bank has the most branches. $10,000, best rate first.
This bank’s best
Reliance Bank
3.79%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $188
Certificates of Deposit
Top rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Reliance Bank CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo3.72%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.79%
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 Reliance 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.
5 Month CD Special
4.15%APY · 1 term
Special available May 5th–9th, 2025. Fixed rate paid for the term until maturity. Requires new money to Reliance Bank. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsNew money required. Minimum balance to open and earn APY is $500 ($1,000 for IRA CDs). Maximum deposit eligible is $250,000. Special offered 5/5/2025 through 5/9/2025 | 4.15% | $171 |
Sources (1)
- reliancebankmn.com/really-green-checking-account · captured Sep 18, 2026
Certificates of Deposit
Up to 3.79%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 90 day term. Early withdrawal penalty: 45 days of interest | 3.70% | $91 |
| 6 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 180 day term. Early withdrawal penalty: 3 months interest | 3.79% | $188 |
| 9 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 9 month term. Early withdrawal penalty: 6 months interest | 3.72% | $278 |
| 12 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Early withdrawal penalty: 6 months interest | 3.60% | $360 |
| 15 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 12 month term. Early withdrawal penalty: 6 months interest | 3.56% | $447 |
| 18 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.46% | $523 |
| 24 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.40% | $692 |
| 27 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 24 month term. Early withdrawal penalty: 6 months interest | 3.35% | $770 |
| 36 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.30% | $1,023 |
| 42 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 36 month term. Early withdrawal penalty: 6 months interest | 3.00% | $1,090 |
Sources (3)
- reliancebankmn.com/personal-banking
- reliancebankmn.com/personal-banking/checking-savings-cds
- reliancebankmn.com/resources/rates
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.79%APY · 10 terms
Available as Traditional IRA, Roth IRA, and SEP IRA. All IRA funds held in Certificates of Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 90 day term. Early withdrawal penalty: 45 days of interest | 3.70% | $91 |
| 6 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 180 day term. Early withdrawal penalty: 3 months interest | 3.79% | $188 |
| 9 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 9 month term. Early withdrawal penalty: 6 months interest | 3.72% | $278 |
| 12 monthsFixed rate paid until maturity. Daily balance method. Interest credited at maturity. Early withdrawal penalty: 6 months interest | 3.60% | $360 |
| 15 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 12 month term. Early withdrawal penalty: 6 months interest | 3.56% | $447 |
| 18 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.46% | $523 |
| 24 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.40% | $692 |
| 27 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 24 month term. Early withdrawal penalty: 6 months interest | 3.35% | $770 |
| 36 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest | 3.30% | $1,023 |
| 42 monthsFixed rate paid until maturity. Daily balance method. Compounded and credited annually. Automatically renews into a 36 month term. Early withdrawal penalty: 6 months interest | 3.00% | $1,090 |
Sources (3)
- reliancebankmn.com/personal-banking/checking-savings-cds
- reliancebankmn.com/resources/rates
- reliancebankmn.com/ics-cdars-ira
All 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.