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 16–30 results in Brainerd, MN metro
- 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 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 Penalty may be imposed if remaining balance is withdrawn early.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 - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.50% $100,000 and up 3.60% 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 - Mid Minnesota Federal Credit UnionBump CertificatesCD · 24 months · $5,000 min
Credit union · 4 branches
3.35%APY$681 over 24 months on $10,000Requirements
Product: Allows adjusting rate one time during duration of investment if rates go up. One bump per term.
Offer: $5,000 minimum at 24 months with one bump per term
Effective Oct 1, 2026
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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 - Members Cooperative Credit UnionMembersBasic Share CertificateCD · 60 months · $1,000 min · 2.85%–2.95% by balance
Credit union · 1 branch
2.85%APY$1,509 over 60 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersBasic Share Certificate Balance APY $1,000 and upYour amount 2.85% $100,000 and up 2.95% Rate checked
More details - Members Cooperative Credit UnionBasic 6 Month Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
2.00%APY$100 over 6 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies.
Effective Oct 16, 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 - Members Cooperative Credit UnionBasic 3 Month Share CertificateCD · 3 months · $1,000 min
Credit union · 1 branch
1.25%APY$31 over 3 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies.
Effective Oct 16, 2026
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
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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 Brainerd, MN metro
144 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 3.50%
- Top 10% from
- 4.19%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.80%
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Brainerd, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 4 branches
- Bell BankBank · 1 branch