Compare Bank & Credit Union Rates
Best CD rates in Duluth, MN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Duluth, MN
- 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.41% interest rate
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 2 branches
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 - 4.28%APY$912 over 25 months on $10,000
Requirements
Product: Time deposit account interest compounds quarterly. APY assumes interest is deposited into the Certificate of Deposit quarterly and not withdrawn. Early withdrawal penalty applies. Fees may reduce earnings.
4.21% interest rate · Effective Oct 2, 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 - 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 - Members Cooperative Credit UnionMembersPlus 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 3 branches
4.10%APY$445 over 13 months on $10,000with conditionsRequirements
Product: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. $1,000 minimum deposit/balance. Early withdrawal penalty applies.
Offer: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. Assumes principal and interest remain on deposit for the term of the certificate. Early withdrawal penalty applies.
Qualified rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Membership eligibility required. Insured by NCUA up to $250,000.
Offer: 5-Month Certificate Special. Dividend pays at maturity. Renews into a 6-month term automatically if not withdrawn within 7-day grace period. Early withdrawal penalty is 90 days loss of interest. Superior Rewards incentives excluded. Max deposit $500,000 per member per certificate special.
Promotional rate · 4.00% interest rate · Balance cap $500,000
Rate checked
More details - Northern Communities Credit Union (NCCYou)Share CertificateCD · 11 months · $1,000 min
Credit union · 1 branch
4.00%APY$366 over 11 months on $10,000intro rateRequirements
Product: Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $1,000. Interest compounded daily; paid at maturity for terms up to 24 months, paid quarterly for terms greater than 24 months. Penalty for early withdrawal.
Offer: Certificate Special will renew as 12-month certificate at maturity. Interest compounded daily, paid at maturity.
Promotional rate · Compounded daily · Effective Aug 31, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersBasic 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 3 branches
4.00%APY$434 over 13 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Fixed dividend rates. $500 minimum deposit to open. Dividends compounded and credited based on term (monthly, quarterly, semi-annually, or at maturity). Penalty for early withdrawal of principal. Automatically renews at maturity with a 10-day grace period.
Offer: Dividends credited semi-annually.
3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.79%APY$476 over 15 months on $10,000intro rate
Requirements
Product: Fixed interest rates based on term and deposit amount. Accounts are automatically renewable upon maturity. A penalty will be imposed for early withdrawal.
Offer: Special introductory rate available for new funds only. New funds defined as funds not currently on deposit with WesternBank and not previously on deposit within the past 60 days; transfers from existing WesternBank accounts do not qualify. Rate is fixed for the term of the certificate. Offer may be withdrawn at any time. Early withdrawal penalty applies.
Promotional rate · Effective Jun 30, 2026
Rate checked
More details - 3.53%APY$906 over 30 months on $10,000
Requirements
Product: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.
Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.
3.50% interest rate
Rate checked
More details - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 3 branches
3.50%APY$350 over 1 year on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.50% $100,000 and up 3.60% Rate checked
More details - 3.40%APY$369 over 13 months on $10,000
Requirements
Product: Dividends compounded monthly. Penalty imposed for early withdrawal. Minimum deposit to open is $500.
Offer: Applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate.
Compounded monthly
Rate checked
More details - North Shore Federal Credit UnionSavings CertificateCD · 10 months · $2,500 min
Credit union · 2 branches
3.30%APY$274 over 10 months on $10,000intro rateRequirements
Product: Dividends compounded/paid monthly. Early withdrawal penalty may be imposed.
Offer: 10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months.
Promotional rate · 3.25% 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 Duluth, MN
181 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 2.85%
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Duluth, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harbor Pointe Credit UnionCredit union · 3 branches
- Northwoods Credit UnionCredit union · 4 branches
- North Star Credit UnionCredit union · 4 branches