Compare Bank & Credit Union Rates
Best CD rates in Minneapolis, MN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Minneapolis, MN
- Woodlands National BankStandard CD RatesCD · 60 months · $1,000 min · 4.87%–4.97% by balance
Bank · 1 branch
4.87%APY$2,684 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.81% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.87% $50,000 and up 4.97% Rate checked
More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.60%APY$3,098 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.52% interest rate · Effective Sep 28, 2026
Rate checked
More details - 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 - 4.50%APY$3,023 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.43% interest rate · Effective Sep 28, 2026
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 - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
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$140 over 4 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $10,000. New money only. No monthly service fees. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
Offer: New money only. No monthly service fees.
Promotional rate · 4.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Ameriprise Bank, FSBAmeriprise Flexible Savings CertificateCD · 7 months · $10,000 min · 4.25%–4.35% by balance
Bank · 2 branches
4.25%APY$246 over 7 months on $10,000Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. No account fees to open or maintain. Rate is the higher of the rate in effect when application is accepted and funds received, or 7 business days prior. Up to 25% of initial investment may be added during term. Withdraw credited interest and up to 10% principal during term without penalty; 2% surrender charge applies on withdrawals above that amount. Pre-approval required for amounts of $2,000,000 or greater.
Offer: Promotional rate for new accounts funded from eligible sources (new money from external source or proceeds from sale of positional money market mutual fund). $10,000 minimum investment. Automatically renews to a 6-month certificate at maturity. Available March 18 through Sept. 29, 2026.
4.17% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Ameriprise Flexible Savings Certificate Balance APY Up to $100,000Your amount 4.25% $100,000 and up 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 - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
Offer: Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
4.19% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
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 Minneapolis, MN
363 CDs at 23 banks and credit unions · checked Oct 9–22
- Typical
- 2.89%
- Top 10% from
- 4.25%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.80%
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