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 106–120 results in Minnesota
- 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: No monthly maintenance fees. Minimum opening deposit $500.
Offer: 7 Month CD Special: Rate effective 10/21/2026. At maturity, the balance of the certificate will automatically roll into a 6 month term certificate at the current rate at that time. Offer subject to change.
Promotional rate · 3.93% interest rate · Effective Oct 21, 2026
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More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Minimum deposit amount of $500. After the Certificate is open, no additions may be made into the account until the maturity date. Penalty for early withdrawal.
Offer: Minimum deposit amount of $500. After the Certificate is open, no additions may be made into the account until the maturity date. Penalty for early withdrawal.
3.93% interest rate · Effective Sep 21, 2026
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More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Promotional rate
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More details - Metropolitan Services Credit UnionCertificates of DepositCD · 7 months · $2,000 min
Credit union · 1 branch
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Dividends paid at maturity. Minimum deposit is $2,000.
Offer: Limited time CD Special. Only available when using funds currently held outside of the Credit Union. Online application is for current MSCU members only; non-members must call.
Promotional rate
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More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
Offer: Available for a limited time only. Add more money at anytime and no early withdrawal fee. Auto-renews to 12-month CD at eligible tiered rate upon maturity.
3.93% interest rate · Effective Oct 14, 2026
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More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: $500.00 minimum deposit. Rate effective as of 09/24/2026. Penalty for early withdrawal. Fees could reduce earnings.
Promotional rate · 3.94% interest rate · Effective Sep 24, 2026
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More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings. Rate may change at any time. Restrictions may apply.
Offer: Penalty for early withdrawal. Fees could reduce earnings.
3.94% interest rate · Effective Sep 24, 2026
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More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal. Fees could reduce earnings.
3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - Northern Communities Credit Union (NCCYou)Share CertificateCD · 11 months · $1,000 min
Credit union · 2 branches
4.00%APY$366 over 11 months on $10,000intro rateRequirements
Product: Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $1,000. Interest compounded daily; paid at maturity for terms up to 24 months, paid quarterly for terms greater than 24 months. Penalty for early withdrawal.
Offer: Certificate Special will renew as 12-month certificate at maturity. Interest compounded daily, paid at maturity.
Promotional rate · Compounded daily · Effective Aug 31, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.
3.94% interest rate · Balance cap $1,000,000 · Effective Oct 6, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Commercial or Institutional funds are not eligible for CD specials. Special Certificate of Deposits renew at the current interest rate for the renewal rate term certificate of deposit. Each applicant must be present to open the account.
Offer: Renews at the current interest rate for a 12-month term. Commercial or Institutional funds are not eligible.
Promotional rate · Balance cap $50,000 · Effective Jul 1, 2026
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More details - Electric Machinery Employees CUCertificate of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Offer: For new money deposits. APYs assume dividends are paid at maturity; if disbursed, APY equals the rate. Early withdrawal penalties apply.
Promotional rate · Effective Aug 11, 2026
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More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Limited time offer. Not valid with any other offers. Fixed for the initial term, automatically renews upon maturity. Penalty for early withdrawal. $5,000.00 of the funds must be new to Sentry Bank.
Offer: $5,000.00 of the funds must be new to Sentry Bank. Penalty for early withdrawal.
Promotional rate · Effective May 27, 2026
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More details - Members Cooperative Credit UnionMembersBasic 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 12 branches
4.00%APY$434 over 13 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. Penalty for early withdrawal.
Effective Oct 16, 2026
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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