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 16–24 results in Bismarck, ND metro
- 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: $5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.
Promotional rate · 3.90% interest rate · Effective Sep 21, 2026
Rate checked
More details - Capital Credit Union of North DakotaCertificate of DepositCD · 6 months · $500 min
Credit union · 8 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
Rate checked
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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 branches
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 - 1.75%APY$353 over 24 months on $10,000
Requirements
Product: $500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Gold Money Market account holders receive an additional 0.10% bonus rate on the 1st term of Standard, Fixed-Rate CDs.
1.75% interest rate · Effective Sep 21, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Bismarck, ND metro
155 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 3.35%
- Top 10% from
- 4.25%
- Banks, typical
- 3.18%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Bismarck, ND metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 2 branches
- Capital Credit Union of North DakotaCredit union · 8 branches