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 286–298 results in Minnesota
- Northern State Bank of Virginia36 MONTH CERTIFICATECD · 36 months · $1,000 min · 0.40%–0.50% by balance
Bank · 2 branches
0.45%APY$136 over 36 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
0.40% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for 36 MONTH CERTIFICATE Balance APY $1,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.45% $25,000 and up 0.50% Rate checked
More details - Northern State Bank of Virginia12 MONTH CERTIFICATECD · 12 months · $1,000 min · 0.35%–0.45% by balance
Bank · 2 branches
0.40%APY$40 over 1 year on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
0.35% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for 12 MONTH CERTIFICATE Balance APY $1,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.45% Rate checked
More details - Northern State Bank of Virginia24 MONTH CERTIFICATECD · 24 months · $1,000 min · 0.35%–0.45% by balance
Bank · 2 branches
0.40%APY$80 over 24 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
0.35% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for 24 MONTH CERTIFICATE Balance APY $1,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.45% Rate checked
More details - SMW Financial Credit UnionWealth Builder CDCD · 49 months · $25 min · 0.25%–0.50% by balance
Credit union · 2 branches
0.40%APY$164 over 49 months on $10,000Requirements
Product: Requires minimum $25 to open and an automatic payment of $25 or more to certificate once a month required. Additional deposits in any amount permitted anytime during term. Fixed rates; dividends compounded and credited monthly. Terms from 6 months to 5 years (specific rate terms published for 19, 29, and 49 months). Early withdrawals subject to penalty (minimum penalty is $25).
Offer: Requires automatic payment of $25 or more each month.
0.25% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Wealth Builder CD Balance APY Up to $10,000 0.25% $10,000 – $50,000Your amount 0.40% $50,000 – $100,000 0.45% $100,000 and up 0.50% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.35%APY$9 over 3 months on $10,000
0.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northern State Bank of Virginia6 MONTH CERTIFICATECD · 6 months · $1,000 min · 0.25%–0.35% by balance
Bank · 2 branches
0.30%APY$15 over 6 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
0.25% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for 6 MONTH CERTIFICATE Balance APY $1,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 and up 0.35% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - Northern State Bank of Virginia3 MONTH CERTIFICATECD · 3 months · $1,000 min · 0.20%–0.30% by balance
Bank · 2 branches
0.25%APY$6 over 3 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
0.20% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for 3 MONTH CERTIFICATE Balance APY $1,000 – $10,000 0.20% $10,000 – $25,000Your amount 0.25% $25,000 and up 0.30% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 16–23
- 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