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 31–45 results in Duluth, MN-WI metro
- 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Cornerstone State Bank36 - 48 Month C.D.CD · 36–48 months · $500 min · 3.07%–3.33% by balance
Bank · 1 branch
3.07%APYwith conditionsRequirements
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 · 3.05% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for 36 - 48 Month C.D. Balance APY Up to $25,000Your amount 3.07% $25,000 – $75,000 3.33% $75,000 – $200,000 3.33% $200,000 and up 3.33% Rate checked
More details - Cornerstone State Bank60 - Month C.D.CD · 60 months · $500 min · 3.07%–3.33% by balance
Bank · 1 branch
3.07%APY$1,632 over 60 months on $10,000with conditionsRequirements
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 · 3.05% interest rate
Rate by balance
Rate by balance for 60 - Month C.D. Balance APY Up to $25,000Your amount 3.07% $25,000 – $75,000 3.33% $75,000 – $200,000 3.33% $200,000 and up 3.33% Rate checked
More details - Northview Bank18 Month Certificate of DepositCD · 18 months · $1,000 min · 3.03%–3.29% by balance
Bank · 3 branches
3.03%APY$458 over 18 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.
3.00% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 18 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.03% $11,000 – $52,000 3.29% $52,000 – $96,000 3.29% $96,000 and up 3.29% Rate checked
More details - Northview Bank24 Month Certificate of DepositCD · 24 months · $1,000 min · 3.03%–3.29% by balance
Bank · 3 branches
3.03%APY$615 over 24 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.
3.00% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 24 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.03% $52,000 – $96,000 3.29% $96,000 and up 3.29% Rate checked
More details - Northview Bank30 Month Certificate of DepositCD · 30 months · $1,000 min · 3.03%–3.29% by balance
Bank · 3 branches
3.03%APY$775 over 30 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.
3.00% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 30 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.03% $11,000 – $52,000 3.29% $52,000 – $96,000 3.29% $96,000 and up 3.29% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - Minnesota Power Employee Credit UnionTiered Term Share CertificatesCD · 6 months · $500 min
Credit union · 3 branches
2.99%APY$148 over 6 months on $10,0002.97% interest rate · Effective Jul 1, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersBasic Share CertificateCD · 60 months · $1,000 min · 2.85%–2.95% by balance
Credit union · 5 branches
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 - Cornerstone State Bank24 - 35 Month C.D.CD · 24–35 months · $500 min · 2.82%–3.33% by balance
Bank · 1 branch
2.82%APYwith conditionsRequirements
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 · 2.80% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for 24 - 35 Month C.D. Balance APY Up to $25,000Your amount 2.82% $25,000 – $75,000 3.33% $75,000 – $200,000 3.33% $200,000 and up 3.33% Rate checked
More details - Northview Bank36 Month Certificate of DepositCD · 36 months · $1,000 min · 2.78%–3.03% by balance
Bank · 3 branches
2.78%APY$857 over 36 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.
2.75% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 36 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 2.78% $11,000 – $52,000 3.03% $52,000 – $96,000 3.03% $96,000 and up 3.03% Rate checked
More details - Northview Bank48 Month Certificate of DepositCD · 48 months · $1,000 min · 2.78%–3.03% by balance
Bank · 3 branches
2.78%APY$1,159 over 48 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.
2.75% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 48 Month Certificate of Deposit Balance APY $1,000 – $11,000Your amount 2.78% $11,000 – $52,000 3.03% $52,000 – $96,000 3.03% $96,000 and up 3.03% Rate checked
More details - Indianhead Credit UnionTraditional Share CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
2.49%APY$249 over 1 year on $10,000Requirements
Product: Fixed APY for a fixed term. Dividends paid at maturity or calendar quarter. Early withdrawal penalties may apply. Fees may reduce earnings. Rates effective September 24, 2026.
Offer: Term: 12 Month. Dividends compounded/paid calendar quarter.
2.47% interest rate · Effective Sep 24, 2026
Rate checked
More details - 2.49%APY$249 over 1 year on $10,000intro rate
Requirements
Product: Dividends compounded at maturity (180 Day) or calendar quarter (12 Month). Early withdrawal penalties apply. Fees may reduce earnings. Rates effective October 16, 2026.
Offer: Term: 12 Month. Compounded calendar quarter.
Promotional rate · 2.47% interest rate · Effective Oct 16, 2026
Rate checked
More details - Northwoods Credit UnionShare CertificateCD · 60 months · $1,000 min · 2.02%–2.22% by balance
Credit union · 4 branches
2.02%APY$1,051 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies (90 days dividends for 6- and 12-month terms, 180 days dividends for 24- to 60-month terms).
Offer: Early withdrawal penalty of 180 days dividends.
2.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 2.02% $10,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.02% $50,000 – $100,000 2.12% $100,000 and up 2.22% 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