Compare Bank & Credit Union Rates
Best CD rates in Wahpeton, ND
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–9 results in Richland County, ND · Showing Richland County, ND: too few institutions in Wahpeton, 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 · 2 branches
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 - 4.25%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 - 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 · 2 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 - 4.00%APY$165 over 5 months on $10,000
Requirements
Offer: Exclusive offer
3.95% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.53%APY$906 over 30 months on $10,000
Requirements
Product: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.
Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.
3.50% interest rate
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 Richland County, ND
63 CDs at 5 banks and credit unions · checked Oct 22
- Typical
- 3.40%
- Top 10% from
- 4.14%
- Banks, typical
- 3.30%
- Credit unions, typical
- 4.15%
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Wahpeton, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 2 branches
- Bell BankBank · 1 branch