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 Duluth, MN-WI metro
- 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Fixed dividend rates. $500 minimum deposit to open. Dividends compounded and credited based on term (monthly, quarterly, semi-annually, or at maturity). Penalty for early withdrawal of principal. Automatically renews at maturity with a 10-day grace period.
Offer: Dividends credited semi-annually.
3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.79%APY$476 over 15 months on $10,000intro rate
Requirements
Product: Fixed interest rates based on term and deposit amount. Accounts are automatically renewable upon maturity. A penalty will be imposed for early withdrawal.
Offer: Special introductory rate available for new funds only. New funds defined as funds not currently on deposit with WesternBank and not previously on deposit within the past 60 days; transfers from existing WesternBank accounts do not qualify. Rate is fixed for the term of the certificate. Offer may be withdrawn at any time. Early withdrawal penalty applies.
Promotional rate · Effective Jun 30, 2026
Rate checked
More details - 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 - 3.60%APY$89 over 3 months on $10,000with conditions
Requirements
Product: Compounded Quarterly. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Quarterly.
Qualified rate · 3.55% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000intro rate
Requirements
Product: A Certificate of Deposit (CD) account is a time deposit account. Automatically renewable, unless you withdraw the funds at maturity. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Early withdrawal penalty: 1 year.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.58%APY$177 over 6 months on $10,000with conditions
Requirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
Rate checked
More details - 3.58%APYwith conditions
Requirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
Rate checked
More details - Northview Bank11 Month Special Certificate of DepositCD · 11 months · $1,000 min · 3.55%–3.70% by balance
Bank · 3 branches
3.55%APY$325 over 11 months on $10,000intro rateRequirements
Product: Daily balance method.
Promotional rate · 3.50% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 11 Month Special Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.55% $11,000 – $52,000 3.70% $52,000 – $96,000 3.70% $96,000 and up 3.70% 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 - 3.51%APY$351 over 1 year on $10,000
Requirements
Product: Dividends compounded/paid at maturity or calendar quarter. Early withdrawal penalties apply. Fees may reduce earnings. Rates effective October 16, 2026.
Offer: Term: 12 Month. Compounded calendar quarter.
3.47% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 5 branches
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 - 3.40%APY$369 over 13 months on $10,000
Requirements
Product: Dividends compounded monthly. Penalty imposed for early withdrawal. Minimum deposit to open is $500.
Offer: Applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate.
Compounded monthly
Rate checked
More details - Northview Bank182 Day Certificate of DepositCD · 6 months · $1,000 min · 3.39%–3.55% by balance
Bank · 3 branches
3.39%APY$168 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method.
Offer: A penalty may be imposed for early withdrawal.
3.35% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 182 Day Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.39% $11,000 – $52,000 3.55% $52,000 – $96,000 3.55% $96,000 and up 3.55% Rate checked
More details - North Shore Federal Credit UnionSavings CertificateCD · 10 months · $2,500 min
Credit union · 3 branches
3.30%APY$274 over 10 months on $10,000intro rateRequirements
Product: Dividends compounded/paid monthly. Early withdrawal penalty may be imposed.
Offer: 10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months.
Promotional rate · 3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - Northview Bank12 Month Certificate of DepositCD · 12 months · $1,000 min · 3.25%–3.39% by balance
Bank · 3 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method.
Offer: A penalty may be imposed for early withdrawal.
3.21% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 12 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.25% $11,000 – $52,000 3.39% $52,000 – $96,000 3.39% $96,000 and up 3.39% 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 Duluth, MN-WI metro
288 CDs at 30 banks and credit unions · checked Oct 6–22
- Typical
- 2.80%
- Top 10% from
- 4.00%
- Banks, typical
- 2.01%
- Credit unions, typical
- 2.97%
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Duluth, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harbor Pointe Credit UnionCredit union · 3 branches
- Northwoods Credit UnionCredit union · 4 branches
- North Star Credit UnionCredit union · 4 branches