Compare Bank & Credit Union Rates
Best CD rates in St. Paul, MN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in St. Paul, MN
- 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 - Associated Healthcare Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · 1 branch
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: 18 Month CD Special. Requires 100% New Money. Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 4.33% interest rate · Effective Oct 1, 2026
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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
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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 - 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 - 4.25%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 - 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
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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 - Farm Credit Employees Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,0004.00% interest rate · Effective Oct 4, 2026
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More details - 4.06%APY$303 over 9 months on $10,000
Requirements
Product: No monthly or service fees. A penalty may be imposed for early withdrawal.
Offer: Includes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed.
4.00% interest rate · Effective Sep 29, 2026
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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
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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 St. Paul, MN
308 CDs at 23 banks and credit unions · checked Oct 6–22
- Typical
- 2.77%
- Top 10% from
- 4.17%
- Banks, typical
- 0.58%
- Credit unions, typical
- 3.85%
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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