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 16–30 results in Rochester, MN
- 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
Offer: Available for a limited time only. Add more money at anytime and no early withdrawal fee. Auto-renews to 12-month CD at eligible tiered rate upon maturity.
3.93% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Commercial or Institutional funds are not eligible for CD specials. Special Certificate of Deposits renew at the current interest rate for the renewal rate term certificate of deposit. Each applicant must be present to open the account.
Offer: Renews at the current interest rate for a 12-month term. Commercial or Institutional funds are not eligible.
Promotional rate · Balance cap $50,000 · Effective Jul 1, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Minimum opening deposit of $25. Allows unlimited additional deposits during the term. Early withdrawal penalty applies (30 days dividends). Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly.
3.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Each applicant must be present to open the account.
Balance cap $50,000 · Effective Apr 22, 2026
Rate checked
More details - 3.62%APY$240 over 8 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
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.07%APY$152 over 6 months on $10,000
Requirements
Product: Available online only; not available to open in branch.
Offer: Open online only.
3.05% interest rate
Rate checked
More details - 3.07%APY$178 over 7 months on $10,000intro rate
Requirements
Product: In-branch exclusive specials; terms from 1 month to 5 years available. No setup or maintenance fees.
Offer: Classic 7 Month CD Special; in-branch exclusive.
Promotional rate · 3.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.80%APY$568 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fees and service charges may reduce earnings.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 2.80% $25,000 – $99,999 2.90% $100,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 4 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Allows unlimited number of deposits up to a maximum balance of $25,000. Provides 1 withdrawal without penalty before maturity. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Renews automatically at maturity. Dividends compound monthly.
1.00% interest rate · Balance cap $25,000
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Allows unlimited deposits with no maximum on number or amount of deposits. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly.
1.00% 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 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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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