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 256–270 results in Minnesota
- 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Maximum deposit per membership is $1,000,000. Dividends are compounded and paid quarterly. Certificate balance is automatically renewed to the same term at maturity unless action is taken within the 10-day grace period. Early withdrawal penalty may apply.
Offer: Dividends compounded and paid quarterly.
Effective Apr 1, 2026
Rate checked
More details - St. Cloud Financial Credit UnionZigZag Certificate of DepositCD · 48 months · $500 min
Credit union · 5 branches
2.40%APY$995 over 48 months on $10,000intro rateRequirements
Product: Start with as little as $500. One penalty-free withdrawal per calendar year (must maintain at least $500 balance). One additional deposit of 100% new funds (min $500, max $100,000) allowed per calendar year. One-time step-up option allowed during certificate term to increase rate, available 30 days after opening date. Not available for IRAs.
Offer: One penalty-free withdrawal per year (min $500 balance). One-time step-up option available 30 days after opening.
Promotional rate · 2.37% interest rate
Rate checked
More details - 2.37%APY
Requirements
Product: Minimum balance to open account $500.00. A penalty may be imposed for early withdrawal. Rates reviewed weekly and subject to change without notice.
Offer: Term: 36-59 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply.
2.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - 2.32%APY$1,215 over 60 months on $10,000
Requirements
Product: Competitive, fixed rate for length of term. No setup or maintenance fees. Early withdrawals subject to penalty.
2.30% interest rate · Effective Jul 15, 2026
Rate checked
More details - North American Banking CompanyCertificates of DepositCD · 60 months · $500 min · 2.00%–3.00% by balance
Bank · 6 branches
2.25%APY$1,177 over 60 months on $10,000Requirements
Product: Maturities ranging from 3 months to 5 years. A penalty may be assessed for early withdrawals. Service fees may reduce earnings. Interest rates are fixed for the term.
Offer: Requires an active checking account (defined as Direct Deposit or 3 transactions per statement cycle).
2.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 2.00% $10,000 – $25,000Your amount 2.25% $25,000 – $100,000 2.50% $100,000 – $249,999 3.00% $250,000 and up 2.75% Rate checked
More details - Latvian Credit UnionCertificateCD · 36 months · $500 min · 2.17%–2.22% by balance
Credit union · 1 branch
2.17%APY$665 over 36 months on $10,000Requirements
Product: The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. Must be a Latvian Credit Union member with a savings account and a minimum balance of $5.
Offer: Dividends paid quarterly.
2.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY Up to $19,999Your amount 2.17% $20,000 and up 2.22% Rate checked
More details - Northwoods Credit UnionShare CertificateCD · 60 months · $1,000 min · 2.02%–2.22% by balance
Credit union · 4 branches
2.02%APY$1,051 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies (90 days dividends for 6- and 12-month terms, 180 days dividends for 24- to 60-month terms).
Offer: Early withdrawal penalty of 180 days dividends.
2.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 2.02% $10,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.02% $50,000 – $100,000 2.12% $100,000 and up 2.22% Rate checked
More details - 2.00%APY$50 over 3 months on $10,000intro rate
Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Guaranteed rates for 3 months at a time. Low investment minimum of $1,000 lump sum or $50 per month. No withdrawal penalties. Pre-approval required for amounts of $2,000,000 or greater.
Offer: Under $10,000 balance tier. Rate declared every 3 months.
Promotional rate · 1.99% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.00%APY$50 over 3.033333333333333 months on $10,000
Requirements
Product: Time deposit account interest accrues daily and compounds quarterly. Minimum deposits starting at $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Term is 91 Days.
1.99% interest rate · Effective Oct 2, 2026
Rate checked
More details - Members Cooperative Credit UnionBasic 6 Month Share CertificateCD · 6 months · $1,000 min
Credit union · 12 branches
2.00%APY$100 over 6 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies.
Effective Oct 16, 2026
Rate checked
More details - 2.00%APY$100 over 6 months on $10,000
2.00% interest rate · Effective Jul 31, 2024
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More details - Austin City Employees Credit UnionTerm share CertificatesCD · 24 months · $500 min
Credit union · 1 branch
2.00%APY$404 over 24 months on $10,000Requirements
Product: Fixed-term insured investment. A penalty may be imposed for early withdrawal.
Offer: Compounding/Crediting Quarterly. A penalty may be imposed for early withdrawal.
2.00% interest rate · Effective Jan 1, 2026
Rate checked
More details - 2.00%APY$612 over 36 months on $10,000intro rate
Requirements
Product: Allows a one-time fixed-rate increase if rates go up during the 36-month term. Call WFCU to open.
Offer: If rates go up, call for a one-time rate increase. Dividends paid quarterly.
Promotional rate · Effective Apr 1, 2026
Rate checked
More details - SMW Financial Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · 2 branches
2.00%APY$1,041 over 60 months on $10,000Requirements
Product: Also referred to as Basic CD. Fixed rates; dividends compounded and credited monthly. Terms from 6 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty (minimum penalty is $25). $500 minimum deposit to open.
1.98% interest rate · Effective Oct 5, 2026
Rate checked
More details - Northview Bank91 Day Certificate of DepositCD · 3 months · $1,000 min · 1.76%–2.02% by balance
Bank · 12 branches
1.76%APY$44 over 3 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.
1.75% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 91 Day Certificate of Deposit Balance APY $1,000 – $11,000Your amount 1.76% $11,000 – $52,000 2.02% $52,000 – $96,000 2.02% $96,000 and up 2.02% 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