Bank · FDIC insured
Stearns Bank CD Rates
Top CarrotStearns Bank’s best CD rate is 3.94% APY on a 6-month CD. Terms run from 3 months to 18 months. Rates checked October 16, 2026.
How Stearns Bank’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where Stearns Bank has the most branches. $10,000, best rate first.
This bank’s best
Stearns Bank
3.94%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $195
Standard CD
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
Stearns Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.94%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.66%
- QualifiedQualified3.94%
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 Stearns 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.
Standard CD
Up to 3.94%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid at maturity. Ability to fund throughout the term of the CD. No penalty may be imposed for early withdrawal | 3.90% | $96 |
| 6 monthsInterest paid at maturity. Ability to fund throughout the term of the CD. No penalty may be imposed for early withdrawal | 3.94% | $195 |
| 12 monthsA penalty may be imposed for early withdrawal. Compounds annually | 3.85% | $385 |
| 18 monthsA penalty may be imposed for early withdrawal. Compounds annually | 3.66% | $554 |
Sources (1)
- stearnsbank.com/personal/cds · captured Oct 5, 2026
Stearns Salaam CD
Up to 3.94%APY · 4 terms
Expected Profit Rate and Expected Annual % Yield. See Disclosure of Account Terms for Truth in Savings provided at account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAbility to fund throughout the term of the CD. No discount may be applied for early withdrawal. Profit paid at maturity | 3.90% | $96 |
| 6 monthsAbility to fund throughout the term of the CD. No discount may be applied for early withdrawal. Profit paid at maturity | 3.94% | $195 |
| 12 monthsA discount may be applied for early withdrawal. Compounds annually | 3.85% | $385 |
| 18 monthsA discount may be applied for early withdrawal. Compounds annually | 3.66% | $554 |
Sources (1)
- stearnsbank.com/personal/cds · captured Oct 5, 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.