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 16–30 results in Minnesota
- Federated Employees Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 2 branches
4.42%APY$2,414 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - Associated Healthcare Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · 5 branches
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: 18 Month CD Special. Requires 100% New Money. Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 4.33% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.37%APY$663 over 18 months on $10,000
Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.30% interest rate
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Offer: Current CD Special. $500 minimum opening deposit required to obtain APY. Not valid with any other offer. A penalty may be applied for early withdrawal. Fees may reduce earnings. Expires on or before 10/18/2026.
Effective Sep 24, 2026
Rate checked
More details - 4.32%APY$395 over 11 months on $10,000
Requirements
Product: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
Offer: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - First Independent Bank, MinnesotaCD (Certificate of Deposit) AccountCD · 24 months · $5,000 min
Bank · 12 branches
4.32%APY$883 over 24 months on $10,000intro rateRequirements
Offer: Fixed rate. Renews to 12-Month Fixed term.
Promotional rate · 4.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - NorthRidge Community Credit UnionCertificate of Deposit (CD)CD · 6 months · $500 min
Credit union · 5 branches
4.31%APY$213 over 6 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in St. Louis, Lake, or Itasca counties, MN (or being an eligible relative). Features a 10-day grace period after maturity to renew or cash out. Early withdrawal fee is 90 days dividends for terms less than 12 months, and 180 days dividends for terms greater than 12 months.
Offer: Early withdrawal fee: 90 days dividends. 10-day grace period after maturity.
4.25% interest rate
Rate checked
More details - 4.30%APY$177 over 5 months on $10,000intro rate
Requirements
Product: Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
Offer: Interest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer.
Promotional rate · 4.25% interest rate
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 17 branches
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - First Community Credit UnionCertificates of Deposit (27 Month)CD · 27 months · $5,000 min
Credit union · 3 branches
4.30%APY$994 over 27 months on $10,000Requirements
Product: Not available for public funds. During the term, account holders may exercise: (1) one additional deposit of at least $5,000, not to exceed initial deposit; (2) one-time rate increase during term; and (3) one penalty-free withdrawal of up to 50% of account balance provided $5,000 minimum balance is maintained. Early withdrawals subject to penalty.
Offer: Dividends compound quarterly. Bump up to a higher rate one time during term. Add money once during term ($5,000 minimum and cannot exceed initial deposit). Penalty-free withdrawal of up to half your balance once per term (must maintain $5,000 minimum). Not available for public funds. Early withdrawals subject to penalty.
Effective Oct 19, 2026
Rate checked
More details - 4.30%APY$1,110 over 30 months on $10,000
Requirements
Product: Interest is compounded and credited on a monthly basis. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - 4.30%APY$1,346 over 36 months on $10,000
Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.23% interest rate
Rate checked
More details - 4.28%APY$912 over 25 months on $10,000
Requirements
Product: Time deposit account interest compounds quarterly. APY assumes interest is deposited into the Certificate of Deposit quarterly and not withdrawn. Early withdrawal penalty applies. Fees may reduce earnings.
4.21% interest rate · Effective Oct 2, 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 16–22
- 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