Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 27 results in Minnesota
- Synchrony BankCertificate of Deposit (CD)CD · 19 months · $0 min
Bank · Opens accounts online nationwide
4.50%APY$722 over 19 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.40% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.50%APY$722 over 19 months on $10,000
Requirements
Product: After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.
4.43% interest rate
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More details - 4.25%APY$681 over 19 months on $10,000intro rate
Requirements
Product: Certificate specials are for a limited time and the credit union may end it at anytime without notice. Minimum certificate opening balance is $500. Specials are non-renewable. 7 month term will renew into a 6 month term, 13 month term will renew into a 12 month term, 19 month term will renew into a 18 month term, 25 month term will renew into an 24 month term certificate. Penalty for early withdrawal.
Offer: Specials are non-renewable. 19 month term will renew into a 18 month term.
Promotional rate · 4.18% interest rate · Effective Nov 6, 2026
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More details - 4.25%APY$681 over 19 months on $10,000intro rate
Requirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 19 Month CD SPECIAL
Promotional rate · 4.24% interest rate · Effective Oct 9, 2026
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More details - Notre Dame Federal Credit UnionStandard CertificateCD · 12–23 months · $0 min
Credit union · 2 branches
4.15%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
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More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.
Offer: CD Special. Other restrictions apply. See bank for details.
3.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - First National Bank of OsakisCertificate of Deposit SpecialsCD · 19 months · $500 min
Bank · 1 branch
4.00%APY$641 over 19 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Fees could reduce earnings. Restrictions may apply. Rate may change at any time.
Promotional rate · 3.94% interest rate · Effective Sep 24, 2026
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More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: $500.00 minimum deposit. Rate effective as of 09/24/2026. Penalty for early withdrawal. Fees could reduce earnings.
Promotional rate · 3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal. Fees could reduce earnings.
3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 18–23 months · $500 min
Credit union · Opens accounts online nationwide
3.95%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.88% interest rate · Effective Oct 30, 2026
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More details - Security Bank Minnesota19 Month Certificate of Deposit SpecialCD · 19 months · $1,000 min
Bank · 3 branches
3.86%APY$618 over 19 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal.
Offer: Daily balance calculation.
Promotional rate · 3.85% interest rate · Effective Sep 17, 2026
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More details - Wings Credit UnionStandard Certificate of DepositCD · 18–23 months · $500 min
Credit union · 26 branches
3.85%APYRequirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.78% interest rate · Effective Oct 15, 2026
Rate checked
More details - Forbright BankBranch Certificates of DepositCD · 18–23 months · $1,000 min
Bank · Opens accounts online nationwide
3.65%APYRequirements
Product: Available at branch locations. Interest calculated daily and credited quarterly. Early withdrawal penalties apply. Paper statements provided at no charge.
3.59% interest rate · Effective Oct 29, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 18–23 months · $1,000 min · 3.60%–3.65% by balance
Credit union · Opens accounts online nationwide
3.60%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.54% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 3.60% $75,000 and upJumbo Share Certificate tier. 3.65% Rate checked
More details - 3.58%APYwith conditions
Requirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% 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
What 19-month CDs pay in Minnesota
27 CDs at 25 banks and credit unions · checked Nov 5–7
- Typical
- 3.60%
- Top 10% from
- 4.25%
- Banks, typical
- 3.58%
- Credit unions, typical
- 3.73%
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Find your bank or credit union to see all its rates and how they compare near you.
Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 12 branches
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches