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 196–210 results in Minnesota
- 3.40%APY$169 over 6 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.40%APY$369 over 13 months on $10,000
Requirements
Product: Dividends compounded monthly. Penalty imposed for early withdrawal. Minimum deposit to open is $500.
Offer: Applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate.
Compounded monthly
Rate checked
More details - Northview Bank182 Day Certificate of DepositCD · 6 months · $1,000 min · 3.39%–3.55% by balance
Bank · 12 branches
3.39%APY$168 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method.
Offer: A penalty may be imposed for early withdrawal.
3.35% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 182 Day Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.39% $11,000 – $52,000 3.55% $52,000 – $96,000 3.55% $96,000 and up 3.55% Rate checked
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
Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 1 branch
3.35%APY$335 over 1 year on $10,000Requirements
Product: Allows additional deposits during the term. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
Offer: Tier 1
Effective Sep 25, 2026
Rate by balance
Rate by balance for Add-On CD Balance APY Up to $49 0.10% Up to $499Tier 2 3.00% $500 and upYour amountTier 3 3.35% Rate checked
More details - Mid Minnesota Federal Credit UnionBump CertificatesCD · 24 months · $5,000 min
Credit union · 12 branches
3.35%APY$681 over 24 months on $10,000Requirements
Product: Allows adjusting rate one time during duration of investment if rates go up. One bump per term.
Offer: $5,000 minimum at 24 months with one bump per term
Effective Oct 1, 2026
Rate checked
More details - First Citizens BankCD (Certificate of Deposit)CD · 36 months · $1,000 min · 3.24%–3.55% by balance
Bank · 1 branch
3.34%APY$1,036 over 36 months on $10,000Requirements
Product: Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
Offer: Interest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest.
3.20% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) Balance APY $1,000 – $5,000 3.24% $5,000 – $25,000Your amount 3.34% $25,000 – $50,000 3.44% $50,000 and up 3.55% Rate checked
More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
Rate checked
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 - 3.30%APY$219 over 8 months on $10,000
Requirements
Product: Membership required and account opening upon qualification. Insured by NCUA. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.25% interest rate · Effective Feb 2, 2026
Rate checked
More details - North Shore Federal Credit UnionSavings CertificateCD · 10 months · $2,500 min
Credit union · 8 branches
3.30%APY$274 over 10 months on $10,000intro rateRequirements
Product: Dividends compounded/paid monthly. Early withdrawal penalty may be imposed.
Offer: 10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months.
Promotional rate · 3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.30%APY$302 over 11 months on $10,000intro rate
Requirements
Product: Minimum required to open is $500, maximum $250,000. Additional deposits allowed during term up to maximum certificate deposit amount allowed. Can have multiple Flex Certificates not to exceed $500,000. At maturity, rolls into a 12-month certificate at current rate. Does not qualify for IRAs.
Offer: Rate effective 03/02/26 subject to cancel at any time. Additional deposits allowed during term up to max $250,000. Multiple certificates not to exceed $500,000. At maturity rolls into a 12-month certificate. Does not qualify for IRAs.
Promotional rate · 3.25% interest rate · Balance cap $250,000 · Effective Mar 2, 2026
Rate checked
More details - BankVistaCertificates of Deposit (CDs)CD · 3 months · $1,000 min · 3.29%–3.91% by balance
Bank · 3 branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. FDIC insured up to $250,000. $1,000 minimum deposit to open (specials may differ). Effective 2026-10-01.
Offer: Compounding: Interest At Maturity. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $50,000Your amount 3.29% $50,000 – $100,000 3.55% $100,000 – $250,000 3.85% $250,000 and up 3.91% Rate checked
More details - Northwoods Bank of Minnesota5 Month CDCD · 5 months · $2,500 min · 3.28%–3.64% by balance
Bank · 4 branches
3.28%APY$135 over 5 months on $10,000Requirements
Offer: $2,500 Minimum to open
3.25% interest rate
Rate by balance
Rate by balance for 5 Month CD Balance APY Any balanceYour amount 3.28% $100,000 and up 3.64% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
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.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 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%
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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