Bank · FDIC insured
River Falls State Bank CD Rates
River Falls State Bank’s best CD rate is 4.11% APY on a 39-month CD. Terms run from 1 month to 6 years. Rates checked October 16, 2026.
How River Falls State Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where River Falls State Bank has the most branches. $10,000, best rate first.
This bank’s best
River Falls State Bank
4.11%APY
- Term
- 39 months
- Minimum
- $2,500
- Earns on $10,000
- $1,399
Certificates of Deposit Specials
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
River Falls State Bank CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo4.11%
- QualifiedQualified4.11%
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 River Falls 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.
Certificates of Deposit Specials
Up to 4.11%APY · 2 terms
Interest is compounded and credited quarterly. Calculated using daily balance method. Subject to early withdrawal penalty. Automatic renewal at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 16 months | 4.06% | $545 |
| 39 months | 4.11% | $1,399 |
Sources (1)
- rfstatebankonline2.com/home/personal/rates · captured Oct 16, 2026
Certificates of Deposit
Up to 3.34%APY · 10 terms
Interest is compounded and credited quarterly. Calculated using daily balance method. Subject to early withdrawal penalty. Automatic renewal at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months32 - 90 Days term | 2.52% | $22 |
| 3 months | 2.52% | $62 |
| 6 months | 3.29% | $163 |
| 12 months | 3.29% | $329 |
| 18 months | 3.29% | $498 |
| 24 months | 3.34% | $679 |
| 36 months | 3.34% | $1,036 |
| 48 months | 2.52% | $1,047 |
| 60 months | 2.73% | $1,442 |
| 72 months | 2.78% | $1,788 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
2.78%APY · 1 term
Available as Traditional or Roth IRA. Interest is compounded and credited quarterly using daily balance method. Subject to early withdrawal penalty. Automatic renewal at maturity with a 10-day grace period. IRA Closing and Transfer fee is $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 72 months | 2.78% | $1,788 |
Sources (2)
All captured Oct 16, 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.