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 1–9 results in Detroit Lakes, MN metro
- Mid Minnesota Federal Credit UnionFast Forward CertificateCD · 36 months · $10 min
Credit union · 1 branch
5.09%APY$1,606 over 36 months on $10,000Requirements
Product: Start certificate with as little as $10 or as much as $500, with a commitment to deposit $10 to $500 per month for the remainder of term. Must make minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Offer: $10 minimum at 36 months and requires a monthly deposit between $10 & $500. Must make a minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Effective Oct 1, 2026
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 - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 1 branch
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% 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 - Mid Minnesota Federal Credit UnionTraditional Term Share CertificatesCD · 17 months · $500 min
Credit union · 1 branch
4.05%APY$579 over 17 months on $10,000intro rateRequirements
Product: Minimum deposit of $500. Terms vary from 3 to 48 months.
Offer: 17 Month Special
Promotional rate · Effective Oct 1, 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 - 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 · 1 branch
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
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
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 Detroit Lakes, MN metro
69 CDs at 5 banks and credit unions · checked Oct 16–22
- Typical
- 3.51%
- Top 10% from
- 4.25%
- Banks, typical
- 3.55%
- Credit unions, typical
- 3.50%
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Detroit Lakes, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 1 branch
- Midwest BankBank · 3 branches
- Bell BankBank · 1 branch