Compare Bank & Credit Union Rates
Best CD rates in Rochester, MN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Rochester, MN
- Altra Federal Credit UnionAltra Thrive CertificatesCD · 30 months · $1,000 min
Credit union · 2 branches
4.75%APY$1,230 over 30 months on $10,000intro rateRequirements
Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.
Promotional rate · 4.67% interest rate · Effective Oct 1, 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 - 4.25%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
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More details - Mayo Employees Federal Credit Union25 Month CertificateCD · 25 months · $1,000 min
Credit union · 6 branches
4.25%APY$906 over 25 months on $10,000intro rateRequirements
Product: Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.
Offer: Offer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 1, 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
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More details - 4.15%APY$811 over 23 months on $10,000intro rate
Requirements
Product: New money only. Limited time offer. CDs over $250,000 will be reviewed on an individual basis. Early withdrawal penalty may apply.
Offer: New money only. Limited time offer. Interest is paid out quarterly. CDs over $250,000 reviewed on an individual basis.
Promotional rate · 4.09% interest rate · Effective Sep 8, 2026
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More details - Foresight BankCertificate of DepositCD · 36 months · $500 min · 4.06%–4.22% by balance
Bank · 1 branch
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
4.00% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.06% $10,000 and upYour amount 4.11% $40,000 and up 4.16% $100,000 and up 4.22% Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
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More details - 4.05%APY$1,265 over 36 months on $10,000
Requirements
Product: $500 minimum opening deposit. No monthly service charge. Interest rate locked in for full term. Early withdrawal penalty may apply. Available terms start from 3 months. Showing rates for Apple Valley branch.
Effective Sep 17, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Variable Rate Certificates of Deposit (CDs) are subject to adjustment weekly according to market conditions and management discretion. Cannot be opened online. Additional deposits can be made to existing variable rate CDs. Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: $250 minimum opening deposit, or $10 with automatic transfer. Interest paid quarterly. Rate adjusts weekly.
3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid at maturity.
3.96% interest rate · Effective Oct 9, 2026
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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 Rochester, MN
188 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 3.75%
- Top 10% from
- 4.27%
- Banks, typical
- 2.90%
- Credit unions, typical
- 4.00%
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Find your bank or credit union to see all its rates and how they compare near you.
Rochester, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 2 branches
- Luminate BankBank · 1 branch
- Foresight BankBank · 3 branches