Compare Bank & Credit Union Rates
Best CD rates in Grand Forks, ND
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Grand Forks, ND
- Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 1 branch
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - First Community Credit UnionCertificates of Deposit (27 Month)CD · 27 months · $5,000 min
Credit union · 1 branch
4.30%APY$994 over 27 months on $10,000Requirements
Product: Not available for public funds. During the term, account holders may exercise: (1) one additional deposit of at least $5,000, not to exceed initial deposit; (2) one-time rate increase during term; and (3) one penalty-free withdrawal of up to 50% of account balance provided $5,000 minimum balance is maintained. Early withdrawals subject to penalty.
Offer: Dividends compound quarterly. Bump up to a higher rate one time during term. Add money once during term ($5,000 minimum and cannot exceed initial deposit). Penalty-free withdrawal of up to half your balance once per term (must maintain $5,000 minimum). Not available for public funds. Early withdrawals subject to penalty.
Effective Oct 19, 2026
Rate checked
More details - 4.26%APY$535 over 15 months on $10,000
Requirements
Offer: 15 Month CD Special
4.25% interest rate · Effective Sep 29, 2026
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More details - 4.25%APY$317 over 9 months on $10,000
4.23% interest rate · Effective Jul 8, 2026
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More details - 4.25%APY$389 over 11 months on $10,000intro rate
Requirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 11 Month CD SPECIAL
Promotional rate · 4.24% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - First International Bank & TrustFixed-Term CD (Certificate of Deposit) AccountCD · 13 months · $2,500 min
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000Requirements
Product: Minimum opening deposit to earn the stated APY for any special CD account is $2,500.00. Fees could reduce earnings on this account. A penalty may be imposed for early withdrawal of funds. These offers are for consumer and non-consumer accounts and not for public funds.
Offer: Minimum opening deposit to earn stated APY is $2,500.00. Early withdrawal penalty may apply.
Effective Oct 12, 2026
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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 - First Community Credit UnionCertificates of DepositCD · 15 months · $1,000 min
Credit union · 1 branch
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
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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
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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
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More details - 4.00%APY$165 over 5 months on $10,000
Requirements
Offer: Exclusive offer
3.95% interest rate · Effective Oct 22, 2026
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More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: $500.00 minimum deposit required.
3.80% interest rate · Effective Oct 4, 2026
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More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Funds are locked in for a specific term and earn a fixed rate that is higher than share/savings account. Membership requires completing payment of one share in Regular Share account.
Rate checked
More details - Northern Valley Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
3.63%APY$180 over 6 months on $10,000Requirements
Product: Minimum deposit $1,000 ($500 for applicants aged 17 and younger). Effective as of October 2026.
Offer: Min deposit $1,000 ($500 for applicants aged 17 and younger).
3.60% interest rate
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 Grand Forks, ND
130 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 3.27%
- Top 10% from
- 4.15%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.40%
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Grand Forks, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 1 branch
- United Valley BankBank · 2 branches
- First Community Credit UnionCredit union · 4 branches