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 1–15 results in Minnesota
- 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.23% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.27%APY$427 over 1 year on $10,000
Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.20% interest rate
Rate checked
More details - Woodlands National BankStandard CD RatesCD · 12 months · $1,000 min · 4.26%–4.37% by balance
Bank · 7 branches
4.26%APY$426 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.22% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.26% $50,000 and up 4.37% Rate checked
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 - Minnesota Valley Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 2 branches
4.22%APY$422 over 1 year on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 90 days dividend applies.
4.15% interest rate · Effective Sep 22, 2026
Rate checked
More details - 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$420 over 1 year on $10,000
Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.14% interest rate · Effective Sep 28, 2026
Rate checked
More details - St. Cloud Financial Credit UnionDiamond CertificatesCD · 12 months · $500 min
Credit union · 5 branches
4.20%APY$420 over 1 year 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 · 4.11% interest rate
Rate checked
More details - Federated Employees Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 12–23 months · $0 min
Credit union · 2 branches
4.15%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
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 - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 30 day interest penalty. Rates variable and subject to change.
4.04% interest rate
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
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 1-year CDs pay in Minnesota
200 CDs at 163 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.25%
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