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 46–60 results in North Dakota
- 3.85%APY$418 over 13 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Rates subject to change without notice.
Offer: Special is a 13-month term CD with a minimum deposit requirement of $2500 with a dividend rate of 3.85% and an APY of 3.85%. At maturity, the CD will renew into an 12-month CD at the current prevailing rate.
Promotional rate · 3.85% interest rate · Effective Nov 18, 2024
Rate checked
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 - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Penalties for early withdrawals apply. Rates are subject to change without notice.
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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 - 3.80%APY$1,609 over 48 months on $10,000
Requirements
Product: NCUA insured. Rates and APYs subject to change monthly as determined by the Credit Union Board of Directors. Early withdrawal penalties apply.
3.75% interest rate
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More details - Heartland State BankCertificates of DepositCD · 6 months · $500 min · 3.68%–3.79% by balance
Bank · 2 branches
3.79%APY$188 over 6 months on $10,0003.65% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Over $0 3.68% $10,000 and upYour amount 3.79% Rate checked
More details - 3.79%APY$188 over 6 months on $10,000
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.
3.75% interest rate · Effective Sep 30, 2026
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More details - 3.79%APY$2,044 over 60 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: 60 Month CD. Penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Jan 8, 2026
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More details - Capital Credit Union of North DakotaCertificate of DepositCD · 6 months · $500 min
Credit union · 12 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership eligibility applies (living within specified mileage of branch locations or immediate family member of resident). $500 minimum balance required. Penalty applies for early withdrawal. Rates accurate as of Aug. 1, 2026. Classic Checking members in good standing may request a 0.10% APY CD bump at opening/renewal (not available on specials).
3.69% interest rate · Effective Aug 1, 2026
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Early withdrawal subject to penalty. Subject to change without notice.
Effective Sep 28, 2026
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More details - North Star Community Credit UnionSmart Start CertificateCD · 15 months · $100 min · up to $10,000
Credit union · 13 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 - Fargo Public Schools Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 2 branches
3.70%APY$183 over 6 months on $10,000Effective Oct 5, 2026
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More details - 3.65%APY$90 over 3 months on $10,000
Requirements
Product: Membership eligibility requires living within a 75-mile radius of the Bismarck/Mandan area and purchasing at least one share ($5.00).
3.60% interest rate · Effective Dec 15, 2025
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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
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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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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