Bank · FDIC insured
Woodland Bank CD Rates
Woodland Bank’s best CD rate is 2.50% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Woodland Bank’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MN, where Woodland Bank has the most branches. $10,000, best rate first.
This bank’s best
Woodland Bank
2.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $250
Certificate of Deposit
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Woodland Bank CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 Woodland 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 2.50%APY · 9 terms
Penalty may be imposed for early withdrawal. Fee could reduce earnings.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthPenalty may be imposed for early withdrawal. Fee could reduce earnings | — | 0.09% | 0.09% | $1 |
| 3 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | — | 0.50% | 0.50% | $12 |
| 6 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | — | 0.75% | 0.75% | $37 |
| 12 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 2.50% | — | 2.50% | $250 |
| 18 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 1.50% | — | 1.50% | $226 |
| 24 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 2.50% | — | 2.50% | $506 |
| 36 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 2.00% | — | 2.00% | $612 |
| 48 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 2.25% | — | 2.25% | $931 |
| 60 monthsPenalty may be imposed for early withdrawal. Fee could reduce earnings | 2.50% | — | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.50%APY · 3 terms
Penalty may be imposed for early withdrawal. Fee could reduce the earnings on these accounts. Ask us for further information about these accounts. The interest rate and annual percentage yield may change after account opening.
| Term | APY · $10 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownMaturity: IRA Variable. Minimum Balance to Open Account: $10. Minimum Balance to Obtain APY: $10. The interest rate and annual percentage yield may change after account opening | 0.85% | — | 0.85% | $0 |
| 36 monthsMaturity: IRA 3 Year Term. Minimum Balance to Open Account: $1,000. Minimum Balance to Obtain APY: $1,000 | — | 2.00% | 2.00% | $612 |
| 60 monthsMaturity: IRA 5 Year Term. Minimum Balance to Open Account: $1,000. Minimum Balance to Obtain APY: $1,000 | — | 2.50% | 2.50% | $1,314 |
Sources (3)
- woodland.bank/loans/credit-car…rsonal-credit-cards.html
- woodland.bank/personal/personal-savings
- woodland.bank/services-tools/tools/rates.html
All 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.