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 151–165 results in Minnesota
- Security Bank Minnesota10 Month Certificate of Deposit SpecialCD · 10 months · $1,000 min
Bank · 3 branches
3.76%APY$312 over 10 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal.
Offer: Daily balance calculation.
Promotional rate · 3.75% interest rate · Effective Sep 17, 2026
Rate checked
More details - Ameriprise Bank, FSBAmeriprise Bank Certificate of DepositCD · 7 months · $1,000 min
Bank · 2 branches
3.75%APY$217 over 7 months on $10,000with conditionsRequirements
Product: FDIC insured up to applicable limits. Automatically renews at maturity for the same term length at the current rate in effect unless action is taken during the 10-day grace period. Early withdrawal penalty applies: 10 days of interest if withdrawn within the first 10 days of opening; 3 months of interest if withdrawn after 10 days.
Offer: Relationship rate. Applicable to initial term only; automatically renews to a 6-month term at maturity. Only accepts new money from external sources outside of Ameriprise Bank, FSB and its affiliates. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000. Promotional rate boost offer available through December 31, 2026.
Qualified rate · 3.68% interest rate · Effective Oct 14, 2026
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$375 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies (90 days of interest on maturities of one year or less, 180 days of interest on maturities greater than one year). Minimum to open is $500.00. Interest compounded quarterly on terms of 12 months or greater, paid at maturity for 91-day and 182-day terms.
Offer: Interest compounded quarterly. 90-day interest early withdrawal penalty.
3.70% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000intro rate
Requirements
Product: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings. Minimum deposit requirement of $1,000.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 15 months · $500 min
Bank · 12 branches
3.75%APY$471 over 15 months on $10,000intro ratePromotional rate · Effective Mar 5, 2026
Rate checked
More details - 3.75%APY$665 over 21 months on $10,000
Requirements
Product: $2,500 minimum deposit required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty applies (12 months loss of interest). Basis 365 days.
Offer: Compounded quarterly.
3.70% interest rate · Compounded quarterly · Effective Sep 30, 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 - Ashland Credit UnionRate Bump Share CertificateCD · 36 months · $500 min · 3.75%–4.00% by balance
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
Offer: Standard tier
3.69% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rate Bump Share Certificate Balance APY $500 and upYour amount 3.75% $35,000 and upJumbo tier 4.00% Rate checked
More details - Security BankUSACertificate of DepositCD · 48 months · $500 min · 3.50%–3.85% by balance
Bank · 2 branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Rates current as of October 16, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
Offer: Option CD: allows changing the rate once during the term of the certificate.
3.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.50% $10,000 – $25,000Your amount 3.75% $25,000 – $1,000,000,000 3.85% Rate checked
More details - Harvest BankFixed Rate Certificates of Deposit ($1,000 Minimum)CD · 60 months · $1,000 min
Bank · 6 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
Offer: Early withdrawal penalty applies.
3.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - First National Bank BemidjiCertificates of DepositCD · 60 months · $1,000 min · 3.71%–3.91% by balance
Bank · 2 branches
3.71%APY$1,998 over 60 months on $10,000Requirements
Product: Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
Offer: Compounding frequency quarterly. Term: 5 Year.
3.66% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $25,000Your amount 3.71% $25,000 and up 3.91% Rate checked
More details - 3.65%APY$211 over 7 months on $10,000intro rate
Requirements
Product: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings. Minimum deposit requirement of $1,000.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 3.65%APY$273 over 9 months on $10,000
Requirements
Product: Interest compounds and is paid quarterly. Certificates over $25,000 add .05% to the rate.
Offer: Certificates over $25,000 add .05% to the rate. Early withdrawal penalty is the lesser of 90 days’ interest or the interest earned.
3.60% interest rate · Effective Sep 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
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 16–23
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
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