Compare Bank & Credit Union Rates
Best CD rates in Minnesota
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 136–150 results in Minnesota
- 3.90%APY$193 over 6 months on $10,000
3.84% interest rate · Effective Mar 11, 2026
Rate checked
More details - 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: $5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.
Promotional rate · 3.90% interest rate · Effective Sep 21, 2026
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More details - 3.88%APY$225 over 7 months on $10,000
Requirements
Product: Rates determined based on total account and balance relationship with the bank. Rate Exchange Option available for consumer account holders on 24, 36, 48, and 60-month terms.
3.85% interest rate · Effective May 18, 2026
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More details - Security Bank Minnesota19 Month Certificate of Deposit SpecialCD · 19 months · $1,000 min
Bank · 3 branches
3.86%APY$618 over 19 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal.
Offer: Daily balance calculation.
Promotional rate · 3.85% interest rate · Effective Sep 17, 2026
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More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Offers CDs from 3 months to 60 months. Contact bank for additional terms and rates. Early withdrawal penalty may be imposed.
Offer: Interest compounds quarterly. 30-day interest penalty for early withdrawal.
Effective Sep 18, 2026
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More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
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More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
Offer: Fixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.
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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
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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
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Interest credited quarterly. Early withdrawal penalties apply.
Offer: Penalties may apply for early withdrawal.
3.75% interest rate
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More details - 3.80%APY$575 over 18 months on $10,000
3.75% interest rate · Effective Jun 28, 2023
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More details - 3.79%APY$188 over 6 months on $10,000
Requirements
Offer: Fixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 180 day term. Early withdrawal penalty: 3 months interest.
3.75% interest rate · Effective Dec 2, 2024
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More details - 3.79%APY$476 over 15 months on $10,000intro rate
Requirements
Product: Fixed interest rates based on term and deposit amount. Accounts are automatically renewable upon maturity. A penalty will be imposed for early withdrawal.
Offer: Special introductory rate available for new funds only. New funds defined as funds not currently on deposit with WesternBank and not previously on deposit within the past 60 days; transfers from existing WesternBank accounts do not qualify. Rate is fixed for the term of the certificate. Offer may be withdrawn at any time. Early withdrawal penalty applies.
Promotional rate · Effective Jun 30, 2026
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More details - 3.79%APY$476 over 15 months on $10,000intro rate
Requirements
Product: Introductory rate for new funds only (funds not currently on deposit with WesternBank and not previously on deposit within the past 60 days; transfers from existing WesternBank accounts do not qualify). Penalty imposed for early withdrawal. Offer may be withdrawn at any time.
Offer: Introductory rate for new funds only (funds not currently on deposit with WesternBank and not previously on deposit within the past 60 days; transfers from existing WesternBank accounts do not qualify). Penalty imposed for early withdrawal. Offer may be withdrawn at any time. Rate is fixed for the term of the certificate.
Promotional rate · Effective Jun 30, 2026
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More details - 3.77%APY$377 over 1 year on $10,000
Requirements
Product: Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.70% interest rate · Effective Jul 6, 2026
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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 Minnesota
1,646 CDs at 187 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.40%
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Find your bank or credit union to see all its rates and how they compare near you.
Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch