Compare Bank & Credit Union Rates
Best CD rates in Bloomington, MN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Bloomington, MN
- MY CREDIT UNIONShare CertificatesCD · 27 months · $500 min · 4.59%–4.70% by balance
Credit union · 2 branches
4.65%APY$1,077 over 27 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
Offer: Certificate of Deposit Special
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.59% $10,000 and upYour amount 4.65% $25,000 and up 4.70% Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 1 branch
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: TruStone Financial membership required. Standard opening minimum deposit is $500 unless otherwise noted. Dividends calculated by daily balance method and compounded/credited quarterly and at maturity. Early withdrawal penalties apply.
Offer: Minimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 6-month certificate.
4.18% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - TopLine Financial Credit UnionCertificate SpecialsCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
4.18% interest rate
Rate checked
More details - 4.17%APY$453 over 13 months on $10,000intro rate
Requirements
Product: Open to members of eligible unions/affiliated groups and their immediate family or household members. Forfeiture of accrued dividends upon early withdrawal before maturity; principal is not forfeited. Dividends compounded and paid quarterly.
Offer: CD Special
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Offer: New Money Special: Minimum balance of $2,500 needed to open with a minimum of 50% new funds not on deposit for prior 90 days with Highland Bank needed to obtain APY. Compounding and crediting at maturity.
3.97% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: At maturity, the balance of the 13-month certificate special will automatically roll into a 12-month certificate at current rate. Minimum required to open is $500. Early withdrawal penalty applies.
Offer: At maturity, automatically rolls into a 12-month certificate at the current rate.
Promotional rate · 3.94% interest rate
Rate checked
More details - 3.95%APY$1,232 over 36 months on $10,000
Requirements
Product: Effective June 1, 2026
3.90% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.95%APY$1,232 over 36 months on $10,000intro rate
Promotional rate · 3.90% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.60%APY$545 over 18 months on $10,000
Requirements
Product: Dividends calculated on daily balance and paid quarterly. Minimum $500 to open. Early withdrawal penalty: 90 days interest for <= 1 year, 180 days interest for > 1 year.
3.55% interest rate · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Bloomington, MN
240 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 1.43%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.85%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches