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 181 results in Minnesota
- 4.60%APY$2,522 over 60 months on $10,000with conditions
Requirements
Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship CD: requires Direct Deposit Checking.
Qualified rate · 4.52% interest rate · Effective Nov 5, 2026
Rate checked
More details - 4.58%APY$2,556 over 61 months on $10,000
Requirements
Product: Rates may change without notice. Deposit Account Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account.
Offer: CD Special
4.50% interest rate · Effective Nov 6, 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
Rate checked
More details - Woodlands National BankStandard CD RatesCD · 36 months · $1,000 min · 4.50%–4.60% by balance
Bank · 7 branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: *Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.45% interest rate · Effective Nov 3, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.50% $50,000 and up 4.60% Rate checked
More details - 4.50%APY$2,191 over 54 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 54 Month \"Special\". Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance. Upon maturity, if not cashed in will automatically renew for 48 months at the 48 month rate at that time.
4.43% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000with conditions
Requirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 4.50% interest rate · Effective Oct 29, 2026
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More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 29, 2026.
4.33% interest rate · Effective Oct 29, 2026
Rate checked
More details - Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 26 months · $500 min
Bank · 12 branches
4.40%APY$978 over 26 months on $10,000intro rateRequirements
Offer: A penalty will be imposed for early withdrawal. Daily balances; the amount of the principle in the account each day. Fees could reduce the earnings on the account.
Promotional rate · Effective Oct 28, 2026
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More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Maximum certificate amount of $100,000. Interest compounded/credited at maturity for terms under 12 months, quarterly for 12 months or longer. Early withdrawal penalty applies (full certificate amount must be withdrawn).
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000intro rate
Requirements
Product: Access a promotional rate by making a larger opening deposit. Maximum certificate amount of $100,000. Interest compounded/credited at maturity for terms under 12 months, quarterly for 12 months or longer. Early withdrawal penalty applies (full certificate amount must be withdrawn).
Promotional rate
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Early withdrawal penalty may apply. Fees could reduce earnings. CD Special expires on or before 11/15/2026. Not valid with any other offer.
Promotional rate · 4.28% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.35%APY$928 over 25 months on $10,000
Requirements
Product: Fixed-rate CDs under $3,000,000. Minimum balance of $10,000 required to open and obtain the advertised APY. The APY assumes interest and principal remain in account until maturity. Penalty for early withdrawal. Fees could reduce earnings. Not available for Individual Retirement Accounts (IRAs). Bank reserves the right to decline or limit deposits. Minimum deposit to open a fixed-rate CD is $1,000 - $10,000 depending on the term. CD Terms Available: 182 Days to 60 Months.
Offer: The APY shown is for fixed-rate CDs under $3,000,000. Assumes interest and principal remain in account until maturity. Penalty for early withdrawal. Fees could reduce earnings. Not available for IRAs.
Balance cap $3,000,000 · Effective Oct 19, 2026
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More details - 4.32%APY$395 over 11 months on $10,000
Requirements
Product: Lock in guaranteed returns at competitive rates. Minimum deposit as low as $100. 6 months to 5 years maturities. A penalty may be imposed for early withdrawal.
Offer: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - First Independent Bank, MinnesotaCD (Certificate of Deposit) AccountCD · 24 months · $5,000 min
Bank · 12 branches
4.32%APY$883 over 24 months on $10,000intro rateRequirements
Offer: Fixed rate. Renews to 12-Month Fixed term.
Promotional rate · 4.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.30%APY$177 over 5 months on $10,000intro rate
Requirements
Product: Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
Offer: Interest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer.
Promotional rate · 4.25% interest rate
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 Minnesota
1,051 CDs at 115 banks and credit unions · checked Nov 5–6
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.20%
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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