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 76–90 results in Minnesota
- 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.10%APY$946 over 27 months on $10,000
Requirements
Product: Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.
Offer: CD Special. Other restrictions apply. See bank for details.
4.06% interest rate · Effective Sep 1, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 6 months · $1,000 min · 3.99%–4.09% by balance
Bank · 3 branches
4.09%APY$202 over 6 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000.
3.95% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.99% $10,000 and upYour amount 4.09% Rate checked
More details - 4.08%APY$1,275 over 36 months on $10,000
Requirements
Product: Penalty for early withdrawal.
4.02% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.07%APY$235 over 7 months on $10,000intro rate
Requirements
Offer: SEVEN (7) MONTH Special
Promotional rate · 4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Farm Credit Employees Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,0004.00% interest rate · Effective Oct 4, 2026
Rate checked
More details - United Employees Credit UnionShare Certificates (CDs)CD · 3 months · $1,000 min
Credit union · 1 branch
4.06%APY$101 over 3.033333333333333 months on $10,000Requirements
Product: Dividends paid at maturity or annually. Anticipated Rates - Dividends Paid on Average Daily Balance. Each Account Insured up to $250,000 by NCUA.
Offer: 91 day term.
4.00% interest rate
Rate checked
More details - 4.06%APY$303 over 9 months on $10,000
Requirements
Product: Dividends are compounded and paid quarterly. Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others. Early withdrawal penalty applies. 10 day grace period at end of term.
Offer: Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - City & County Credit UnionCertificates of DepositCD · 9 months · $5,000 min
Credit union · 10 branches
4.06%APY$303 over 9 months on $10,000Requirements
Product: No monthly or service fees. A penalty may be imposed for early withdrawal.
Offer: Includes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed.
4.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Must be a member; purchase and maintain minimum required share ($5.00) in savings/trust savings. Early withdrawal penalty applies based on term. 7-day grace period after maturity.
Offer: Flex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.06%APY$475 over 14 months on $10,000intro rate
Requirements
Product: Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Offer: 14 Month Flex CD Special renews into a regular 1 year certificate. Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty. Penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.06%APY$615 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.06%APY$2,202 over 60 months on $10,000intro rate
Requirements
Product: Can be stepped up to the then-current 5 Year rate CD one time during the 5 year term without extending original maturity date; considered a variable rate product until after the step-up feature is elected.
Offer: 5 Year term. Early withdrawal penalty: 6 Month's Interest. Rate can be stepped up one time during the 5-year term to the then-current 5 Year rate CD.
Promotional rate · 4.00% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.06%APY$720 over 21 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
4.01% interest rate · Effective Oct 15, 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