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 61–75 results in Minnesota
- 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
4.12% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Early withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Offer: Promoted as CD Special
Effective Aug 18, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000intro rate
Requirements
Product: $2,500.00 minimum balance required to open an account and obtain APY. APY assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and may be subject to penalty. Rates and terms are subject to change without notice prior to account opening. Offer may be withdrawn at any time.
Promotional rate · 4.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000with conditions
Requirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 4.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.17%APY$453 over 13 months on $10,000intro rate
Requirements
Product: Open to members of eligible unions/affiliated groups and their immediate family or household members. Forfeiture of accrued dividends upon early withdrawal before maturity; principal is not forfeited. Dividends compounded and paid quarterly.
Offer: CD Special
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.16%APY$102 over 3 months on $10,000
Requirements
Offer: Early withdrawal penalty: 91 days interest (Minimum $25)
4.10% interest rate · Effective Dec 18, 2025
Rate checked
More details - 4.15%APY$415 over 1 year 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. Allows one additional deposit less than or equivalent to initial deposit, one penalty-free withdrawal of up to 50% of current balance, and one rate change during the term.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Make one additional deposit less than or equivalent to initial deposit; make one penalty free withdrawal of up to 50% of current balance; rate may be changed one time during the term.
Promotional rate
Rate checked
More details - First Community Credit UnionCertificates of DepositCD · 15 months · $1,000 min
Credit union · 3 branches
4.15%APY$521 over 15 months on $10,000intro rateRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: Limited-time offer. Dividends compound quarterly for CDs with terms greater than 12 months. Not available for funds. Penalty for early withdrawal. No setup or maintenance fees.
Promotional rate · Balance cap $1,000,000 · Effective Oct 19, 2026
Rate checked
More details - 4.15%APY$774 over 22 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Rates adjust to current standard interest rate upon maturity. Grace period of 10 calendar days upon maturity before automatic renewal.
Offer: 22 Month Special. Interest compounding & crediting semi-annually. Penalty may be imposed for early withdrawal.
Promotional rate · 4.11% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.15%APY$811 over 23 months on $10,000intro rate
Requirements
Product: New money only. Limited time offer. CDs over $250,000 will be reviewed on an individual basis. Early withdrawal penalty may apply.
Offer: New money only. Limited time offer. Interest is paid out quarterly. CDs over $250,000 reviewed on an individual basis.
Promotional rate · 4.09% interest rate · Effective Sep 8, 2026
Rate checked
More details - 4.15%APY$884 over 25 months on $10,000
Requirements
Product: Fixed-rate CDs under $3,000,000. Not available for Individual Retirement Accounts (IRAs). Early withdrawal penalty may apply. Fees could reduce earnings. Bank reserves the right to decline or limit deposits. Minimum deposit to open is $1,000 to $10,000 depending on term.
Offer: Assumes interest and principal remain in account until maturity. Under $3,000,000. Not available for IRAs. Penalty for early withdrawal.
Balance cap $3,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
Rate checked
More details - Foresight BankCertificate of DepositCD · 36 months · $500 min · 4.06%–4.22% by balance
Bank · 3 branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
4.00% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.06% $10,000 and upYour amount 4.11% $40,000 and up 4.16% $100,000 and up 4.22% Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersPlus 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 12 branches
4.10%APY$445 over 13 months on $10,000with conditionsRequirements
Product: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. $1,000 minimum deposit/balance. Early withdrawal penalty applies.
Offer: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. Assumes principal and interest remain on deposit for the term of the certificate. Early withdrawal penalty applies.
Qualified rate · Effective Oct 16, 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