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 1–11 results in Bemidji, MN metro
- 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.41% interest rate
Rate checked
More details - 4.26%APY$535 over 15 months on $10,000
Requirements
Offer: 15 Month CD Special
4.25% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.06%APY$720 over 21 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
4.01% interest rate · Effective Oct 15, 2026
Rate checked
More details - Security BankUSACertificate of DepositCD · 48 months · $500 min · 3.50%–3.85% by balance
Bank · 2 branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Rates current as of October 16, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
Offer: Option CD: allows changing the rate once during the term of the certificate.
3.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.50% $10,000 – $25,000Your amount 3.75% $25,000 – $1,000,000,000 3.85% Rate checked
More details - First National Bank BemidjiCertificates of DepositCD · 60 months · $1,000 min · 3.71%–3.91% by balance
Bank · 2 branches
3.71%APY$1,998 over 60 months on $10,000Requirements
Product: Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
Offer: Compounding frequency quarterly. Term: 5 Year.
3.66% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $25,000Your amount 3.71% $25,000 and up 3.91% Rate checked
More details - First State Bank of BigforkCertificates of Deposit (CDs)CD · 12 months · $500 min · 3.49%–3.70% by balance
Bank · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
Offer: Must maintain a minimum daily balance to obtain the disclosed APY. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly. Grace period of 10 calendar days after maturity.
3.45% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $5,000 3.49% $5,000 – $45,000Your amount 3.60% $45,000 and up 3.70% Rate checked
More details - 3.39%APY$339 over 1 year on $10,000
Requirements
Product: Public fund deposits are not eligible for these offers; please contact one of our offices for a rate quote. Early withdrawal penalty may apply. Interest Compounded Quarterly.
Offer: Early withdrawal penalty may apply.
3.35% interest rate · Compounded quarterly · Effective Sep 14, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Allows unlimited number of deposits up to a maximum balance of $25,000. Provides 1 withdrawal without penalty before maturity. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Renews automatically at maturity. Dividends compound monthly.
1.00% interest rate · Balance cap $25,000
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Allows unlimited deposits with no maximum on number or amount of deposits. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly.
1.00% 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 Bemidji, MN metro
93 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 3.52%
- Top 10% from
- 4.05%
- Banks, typical
- 3.47%
- Credit unions, typical
- 3.85%
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Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch