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 241–255 results in Minnesota
- Cornerstone State Bank24 - 35 Month C.D.CD · 24–35 months · $500 min · 2.82%–3.33% by balance
Bank · 7 branches
2.82%APYwith conditionsRequirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 2.80% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for 24 - 35 Month C.D. Balance APY Up to $25,000Your amount 2.82% $25,000 – $75,000 3.33% $75,000 – $200,000 3.33% $200,000 and up 3.33% Rate checked
More details - West BankCertificate of DepositCD · 24 months · $1,000 min · 2.80%–3.10% by balance
Bank · 4 branches
2.80%APY$568 over 24 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees and service charges may reduce earnings.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 2.80% $25,000 – $99,999 2.90% $100,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - 2.79%APY$566 over 24 months on $10,000
Requirements
Product: Closing prior to maturity is subjected to a loss of 90 days dividend. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter. Rates subject to change without notice.
Offer: Term Share Certificates of Deposit: 24 months
2.75% interest rate
Rate checked
More details - Northview Bank36 Month Certificate of DepositCD · 36 months · $1,000 min · 2.78%–3.03% by balance
Bank · 12 branches
2.78%APY$857 over 36 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.
2.75% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 36 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 2.78% $11,000 – $52,000 3.03% $52,000 – $96,000 3.03% $96,000 and up 3.03% Rate checked
More details - Northview Bank48 Month Certificate of DepositCD · 48 months · $1,000 min · 2.78%–3.03% by balance
Bank · 12 branches
2.78%APY$1,159 over 48 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.
2.75% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 48 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 2.78% $11,000 – $52,000 3.03% $52,000 – $96,000 3.03% $96,000 and up 3.03% Rate checked
More details - Security Bank MinnesotaCertificates of DepositCD · 60 months · $1,000 min · 2.65%–2.75% by balance
Bank · 3 branches
2.70%APY$1,425 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Rates and APYs effective September 17, 2026.
Offer: Daily balance calculation.
2.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $10,000 2.65% $10,000 – $25,000Your amount 2.70% $25,000 and up 2.75% Rate checked
More details - 2.64%APY$399 over 18 months on $10,000
Requirements
Product: With a Savers CD, you can make additional deposits during the term of the Certificate to boost your savings even more. Penalty for early withdrawal.
2.60% interest rate · Effective Oct 16, 2026
Rate checked
More details - 2.55%APY$1,342 over 60 months on $10,000intro rate
Requirements
Product: Rate goes up once on 3-year certificates, and twice on 5-year certificates. Account holder decides if/when the rate goes up.
Offer: Rate goes up twice during the 5-year term at the member's choice.
Promotional rate · 2.53% interest rate · Effective May 1, 2026
Rate checked
More details - MidCountry BankCertificate of DepositCD · 6 months · $1,000 min · 2.52%–3.13% by balance
Bank · 16 branches
2.52%APY$125 over 6 months on $10,000intro rateRequirements
Offer: Tier 1
Promotional rate · 2.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 2.52% $25,000 – $50,000Tier 2 2.93% $50,000 – $100,000Tier 3 3.03% $100,000 and upTier 4 3.13% Rate checked
More details - 2.52%APY$252 over 1 year on $10,000
Requirements
Product: The minimum balance to open this account is $1,000.00. Early withdrawal penalty may apply. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Fees may reduce earnings.
2.50% interest rate · Effective Dec 19, 2024
Rate checked
More details - 2.52%APY$775 over 36 months on $10,000
Requirements
Product: Allows rate increase to the current 36-month rate 1 time during the 36-month term if interest rates rise. Minimum to open is $5,000.00. Subject to penalty for early withdrawal equal to 180 days of interest. Interest compounded quarterly.
Offer: Rate can be increased to current 36-month rate once during the 36-month term if interest rates rise. Interest compounded quarterly. 180-day interest early withdrawal penalty.
2.50% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - Grand Timber BankCertificate of Deposit (CD)CD · 36 months · $500 min · 2.52%–2.84% by balance
Bank · 1 branch
2.52%APY$775 over 36 months on $10,000Requirements
Product: Interest is compounded quarterly. Substantial penalty for early withdrawal. Fees may reduce earnings. Minimum balance required to open and obtain APY is $500.00.
Offer: Interest compounded quarterly. $500 minimum.
2.50% interest rate · Compounded quarterly · Effective Jun 10, 2025
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $500 and upYour amount 2.52% $25,000 and up$25,000 minimum. 2.68% $75,000 and up$75,000 minimum. 2.84% Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fee could reduce earnings.
Offer: Penalty may be imposed for early withdrawal. Fee could reduce earnings.
2.48% interest rate
Rate checked
More details - Northeast BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 2.40%–2.50% by balance
Bank · 3 branches
2.50%APY$250 over 1 year on $10,000Requirements
Product: Rates do not apply to CDs of $100,000 or greater. Early withdrawals subject to penalty. No setup or maintenance fees. $20 fee if account is closed within 3 months of opening.
Offer: Compounding and crediting frequency at Maturity. 6 month loss of interest penalty for early withdrawal. Rates do not apply to CDs of $100,000 or greater.
2.40% interest rate · Effective Apr 1, 2024
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $10,000 2.40% $10,000 – $100,000Your amount 2.50% Rate checked
More details - Mower County Catholic Parishes CUCertificates of DepositCD · 36 months · $2,000 min
Credit union · 1 branch
2.50%APY$769 over 36 months on $10,000Requirements
Product: Rates are subject to change at any time and are not guaranteed.
2.50% interest rate
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