Compare Bank & Credit Union Rates
Best CD rates in Minot, ND
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Minot, ND
- 4.35%APY$435 over 1 year on $10,000intro rate
Requirements
Product: Membership required. Insured by NCUA.
Offer: Early withdrawal penalty applies (terms of 12 months or less: 60 days' dividends).
Promotional rate · 4.28% interest rate · Effective Oct 15, 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 · 3 branches
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
Rate checked
More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 24 months · $500 min
Credit union · 4 branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
Offer: Auto-renews at the current rate with a 10 day grace period.
Effective Oct 1, 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
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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
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More details - 4.11%APY$203 over 6 months on $10,000
Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Effective Oct 1, 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 - North Star Community Credit UnionSpecial CertificatesCD · 7 months · $500 min
Credit union · 2 branches
4.00%APY$231 over 7 months on $10,0003.96% interest rate · Effective Sep 1, 2026
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More details - 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: $5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.
Promotional rate · 3.90% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
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More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Terms and conditions apply. Please visit or call 701.857.4430 for more information and the most up-to-date rates. Funds are left in your account with MASFCU for a 6 or 12-month term and earn a fixed rate. Dividends are paid quarterly and at maturity.
Offer: 6 Months term. Stated as 3.75% APR.
3.75% interest rate
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More details - North Star Community Credit UnionSmart Start CertificateCD · 15 months · $100 min · up to $10,000
Credit union · 2 branches
3.75%APY$471 over 15 months on $10,000Requirements
Product: Allows add-ons & withdrawals (min +/- $100, withdrawal fee applies). Maximum deposit of $10,000.00, limit one per member. Dividends paid semi-annually (or upon maturity).
Offer: Limit one per member. Minimum $100 per add-on/withdrawal (withdrawal fee applies).
3.72% interest rate · Effective Sep 1, 2026
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More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Minot, ND
114 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 3.15%
- Top 10% from
- 4.06%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Minot, ND metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Aspire Credit UnionCredit union · 1 branch
- Affinity First Federal Credit UnionCredit union · 1 branch
- Town and Country Credit UnionCredit union · 5 branches