Compare Bank & Credit Union Rates
Best CD rates in West Fargo, ND
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in West Fargo, ND
- 4.50%APY$1,163 over 30 months on $10,000intro rate
Requirements
Product: LIMITED TIME OFFER. Pick your term then have the option to bump up to a higher rate later if one becomes available. $500 minimum deposit at account opening.
Offer: Limited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available.
Promotional rate · Effective Sep 17, 2026
Rate checked
More details - 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 - 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
Rate checked
More details - 4.25%APY$607 over 17 months on $10,000
Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
Offer: Limited Time Offer. Pick Your Term Certificate.
Effective Sep 17, 2026
Rate checked
More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 24 months · $500 min
Credit union · 1 branch
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$384 over 11 months on $10,000
Requirements
Product: Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Offer: Minimum $1,000 deposit required to open the account and obtain the advertised APY. Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Effective Oct 12, 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 - 4.10%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
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 - 3.62%APY$240 over 8 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
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 - 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 West Fargo, ND
85 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 3.62%
- Top 10% from
- 4.25%
- Banks, typical
- 3.57%
- 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.
Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches