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 31–45 results in Minnesota
- Security State Bank WanamingoCertificates of Deposit (CDs)CD · 13 months · $1,000 min
Bank · 1 branch
4.27%APY$463 over 13 months on $10,000Requirements
Product: All regular CDs require a minimum balance of $500.00. CD Special requires a minimum balance of $1,000.00. Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 13 Month Special. APY is based on quarterly compounding and assumes interest remains on deposit. Early withdrawal penalty may apply.
4.20% interest rate · Effective Sep 29, 2026
Rate checked
More details - Minnesota Valley Federal Credit UnionTriple Play CertificateCD · 72 months · $500 min
Credit union · 2 branches
4.27%APY$2,852 over 72 months on $10,000Requirements
Product: Offers three options, each can be made once during the certificate's term: 1. Add up to 30% to principal; 2. Withdraw up to 30% of principal; 3. Increase to a higher rate. Minimum deposit of $500.
Offer: Dividends compound quarterly. Allows one-time add up to 30% to principal, withdraw up to 30%, or rate bump.
4.20% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.26%APY$535 over 15 months on $10,000
Requirements
Offer: 15 Month CD Special
4.25% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.25%APY$140 over 4 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $10,000. New money only. No monthly service fees. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
Offer: New money only. No monthly service fees.
Promotional rate · 4.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Term Certificates of Deposit may be subject to early withdrawal penalty.
4.19% interest rate
Rate checked
More details - St. Cloud Financial Credit UnionDiamond CertificatesCD · 6 months · $500 min
Credit union · 5 branches
4.25%APY$210 over 6 months on $10,000with conditionsRequirements
Product: Requires Diamond Membership: active Diamond Checking account (requires at least 15 SCFCU debit/credit card transactions per qualification cycle and electronic statements) AND a new or existing loan or SCFCU Credit Card. Minimum deposit $500. Not available for business or commercial members.
Offer: Requires Diamond Membership qualifications.
Qualified rate · 4.16% interest rate
Rate checked
More details - Ameriprise Bank, FSBAmeriprise Flexible Savings CertificateCD · 7 months · $10,000 min · 4.25%–4.35% by balance
Bank · 2 branches
4.25%APY$246 over 7 months on $10,000Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. No account fees to open or maintain. Rate is the higher of the rate in effect when application is accepted and funds received, or 7 business days prior. Up to 25% of initial investment may be added during term. Withdraw credited interest and up to 10% principal during term without penalty; 2% surrender charge applies on withdrawals above that amount. Pre-approval required for amounts of $2,000,000 or greater.
Offer: Promotional rate for new accounts funded from eligible sources (new money from external source or proceeds from sale of positional money market mutual fund). $10,000 minimum investment. Automatically renews to a 6-month certificate at maturity. Available March 18 through Sept. 29, 2026.
4.17% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Ameriprise Flexible Savings Certificate Balance APY Up to $100,000Your amount 4.25% $100,000 and up 4.35% Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: TruStone Financial membership required. Standard opening minimum deposit is $500 unless otherwise noted. Dividends calculated by daily balance method and compounded/credited quarterly and at maturity. Early withdrawal penalties apply.
Offer: Minimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 6-month certificate.
4.18% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: 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: CD Special
4.18% interest rate · Effective Sep 25, 2026
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More details - 4.25%APY$389 over 11 months on $10,000intro rate
Requirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 11 Month CD SPECIAL
Promotional rate · 4.24% interest rate · Effective Oct 9, 2026
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More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: 1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
Offer: 11-Month CD SPECIAL. Renews at a 12-Month term.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Subject to penalty for early withdrawal. APY based on interest paid monthly and interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
4.17% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Minimum deposit amount of $1,000.00. A penalty may be imposed for early withdrawal. Daily balance method: the amount of the principal in the account each day. No monthly fees.
Offer: Early withdrawal penalty may apply. Daily balance.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - TopLine Financial Credit UnionCertificate SpecialsCD · 12 months · $1,000 min
Credit union · 11 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
4.18% 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 16–22
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.40%
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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