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 16–30 results in St. Paul, MN
- 4.00%APY$231 over 7 months on $10,000
Requirements
Offer: New Money Special: Minimum balance of $2,500 needed to open with a minimum of 50% new funds not on deposit for prior 90 days with Highland Bank needed to obtain APY. Compounding and crediting at maturity.
3.97% interest rate · Effective Oct 6, 2026
Rate checked
More details - Metropolitan Services Credit UnionCertificates of DepositCD · 7 months · $2,000 min
Credit union · 1 branch
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Dividends paid at maturity. Minimum deposit is $2,000.
Offer: Limited time CD Special. Only available when using funds currently held outside of the Credit Union. Online application is for current MSCU members only; non-members must call.
Promotional rate
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
4.00% interest rate · Effective Oct 5, 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 - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: No monthly fees. FDIC insured up to $250,000. Account subject to early withdrawal penalties if closed prior to maturity. Penalty equals: 7 days interest if withdrawal within first 6 days; 90 days interest if CD term <= 1 year; 180 days interest if CD term <= 2 years; 365 days interest if CD term > 2 years. APY assumes interest remains on deposit until maturity. Additional term lengths (3, 24, 36, 48, 60-months) available by contacting a banker.
Offer: No additional deposits allowed during term, or one deposit between $500 and $50,000 allowed per footnote. Option to exchange interest rate one time during term.
3.75% interest rate
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 - 3.60%APY$1,934 over 60 months on $10,000
Requirements
Product: Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
Offer: Penalty equals 365 days dividends on the amount withdrawn.
3.54% interest rate · Effective May 19, 2026
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More details - 3.39%APY$339 over 1 year on $10,000
Requirements
Product: Public fund deposits are not eligible for these offers; please contact one of our offices for a rate quote. Early withdrawal penalty may apply. Interest Compounded Quarterly.
Offer: Early withdrawal penalty may apply.
3.35% interest rate · Compounded quarterly · Effective Sep 14, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Pipefitters Steamfitters Credit UnionCertificate SpecialsCD · 60 months · $10,000 min
Credit union · 1 branch
3.04%APY$1,616 over 60 months on $10,000 - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.99%APY$452 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Dividends pay monthly and can be compounded or deposited into credit union account.
2.95% interest rate
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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 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