Bank · FDIC insured
State Bank of Bottineau CD Rates
State Bank of Bottineau’s best CD rate is 4.04% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How State Bank of Bottineau’s CD rates compare
Compared with banks and credit unions in North Dakota, where State Bank of Bottineau has the most branches. $10,000, best rate first.
This bank’s best
State Bank of Bottineau
4.04%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $612
Regular CDs
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
State Bank of Bottineau CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.84%
- 9–15 months9–15 mo3.94%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo4.04%
- QualifiedQualified4.04%
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 State Bank of Bottineau 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.
Regular CDs
Up to 4.04%APY · 5 terms
Fixed term interest rates. Penalty may be imposed for early withdrawal. Terms available from 6 to 60 months (and 3 months on rate chart).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 3.55% | $88 |
| 6 monthsA penalty may be imposed for early withdrawal | 3.84% | $190 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.94% | $394 |
| 18 monthsA penalty may be imposed for early withdrawal | 4.04% | $612 |
| 60 monthsA penalty may be imposed for early withdrawal | 4.04% | $2,190 |
Sources (2)
All captured Oct 15, 2026
Rate Watch CDs
Up to 4.01%APY · 3 terms
Variable term interest rates. Penalty may be imposed for early withdrawal. Terms from 21 to 57 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 21 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening | 3.91% | $694 |
| 36 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening | 3.96% | $1,236 |
| 57 monthsA penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening | 4.01% | $2,053 |
Sources (2)
All captured Oct 15, 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.