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 61–75 results in North Dakota
- 3.63%APY$180 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal on any CD.
Offer: Interest paid at maturity
3.60% interest rate · Effective Feb 11, 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$353 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
Offer: 12-month term. Early withdrawal penalty may apply. Rate and APY may change after opening.
3.50% interest rate · Effective Jul 14, 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 Penalty may be imposed if remaining balance is withdrawn early.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 - University Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: No service charge. All accounts are insured up to $250,000.
3.45% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Ongoing contributions allowed with deposits as low as $25.
Balance cap $100,000 · Effective Oct 7, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
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
Rate checked
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 - First State Bank of GolvaThirty-six Month Certificate of DepositCD · 36 months · $1,000 min
Bank · 3 branches
3.22%APY$997 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY rates may vary on all CDs.
3.20% interest rate · Effective May 1, 2026
Rate checked
More details - First State Bank of GolvaSixty-Month Certificate of DepositCD · 60 months · $1,000 min
Bank · 3 branches
3.22%APY$1,717 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY rates may vary on all CDs.
3.20% interest rate · Effective May 1, 2026
Rate checked
More details - 3.20%APY$1,706 over 60 months on $10,000
Requirements
Product: Minimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal. Rates are variable and may change after account is opened.
Offer: Minimum Certificate deposit of $500.00 to obtain APY. Penalty for early withdrawal.
3.20% interest rate · Effective Dec 15, 2025
Rate checked
More details - First State Bank of GolvaSix Month Certificate of DepositCD · 6 months · $1,000 min
Bank · 3 branches
3.02%APY$150 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY rates may vary on all CDs.
3.00% interest rate · Effective May 1, 2026
Rate checked
More details - First State Bank of GolvaTwelve Month Certificate of DepositCD · 12 months · $1,000 min
Bank · 3 branches
3.02%APY$302 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY rates may vary on all CDs.
3.00% interest rate · Effective May 1, 2026
Rate checked
More details - First State Bank of GolvaTwenty-four Month Certificate of DepositCD · 24 months · $1,000 min
Bank · 3 branches
3.02%APY$613 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY rates may vary on all CDs.
3.00% interest rate · Effective May 1, 2026
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 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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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