Compare Bank & Credit Union Rates
Best CD rates in North Dakota
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in North Dakota
- First International Bank & TrustFixed-Term CD (Certificate of Deposit) AccountCD · 13 months · $2,500 min
Bank · 19 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 - 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 - American State Bank & Trust (Williston)Certificates of Deposit SpecialsCD · 23 months · $500 min
Bank · 2 branches
4.25%APY$830 over 23 months on $10,000intro rateRequirements
Product: Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, or at the option selected by the customer. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal. Contact us at 701-774-4100 or 800-486-8173 to obtain rates on Jumbo CDs.
Promotional rate · 4.25% interest rate · Compounded annually · Effective Oct 21, 2026
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More details - 4.25%APY$830 over 23 months 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.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Promotional rate
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More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 24 months · $500 min
Credit union · 10 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
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More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: $2,000 minimum. Rates advertised as high as. Effective October 7, 2026.
Offer: $2,000 minimum. Effective October 7, 2026.
4.17% interest rate · Effective Oct 7, 2026
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More details - 4.20%APY$243 over 7 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
Promotional rate · 4.16% interest rate · Effective Sep 30, 2026
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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
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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 - Capital Credit Union of North Dakota6-Month Special Certificate of DepositCD · 6 months · $500 min
Credit union · 12 branches
4.15%APY$205 over 6 months on $10,000intro rateRequirements
Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 6 months, balance automatically rolls into a regular 6-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
Offer: Requires 100% new money. Automatically rolls over into a regular 6-Month CD at maturity.
Promotional rate · 4.07% interest rate · Effective Aug 1, 2026
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More details - Capital Credit Union of North Dakota12-Month Special Certificate of DepositCD · 12 months · $500 min
Credit union · 12 branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 12 months, balance automatically rolls into a regular 12-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
Offer: Requires 100% new money. Automatically rolls over into a regular 12-Month CD at maturity.
Promotional rate · 4.08% interest rate · Effective Jun 1, 2026
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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
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More details - First Community Credit UnionCertificates of DepositCD · 15 months · $1,000 min
Credit union · 23 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
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More details - 4.14%APY$2,249 over 60 months on $10,000
Requirements
Product: Call us for more information. Terms range from 7 days to 60 months.
Offer: 60 Month CD
4.10% interest rate · Effective Nov 4, 2025
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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 North Dakota
526 CDs at 56 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 3.22%
- Credit unions, typical
- 3.50%
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North Dakota
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
- Service Credit UnionCredit union · 1 branch