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 Fargo, ND-MN metro
- 4.20%APY$858 over 24 months on $10,000intro rate
Requirements
Product: $2,500.00 minimum balance required to open an account and obtain APY. APY assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and may be subject to penalty. Rates and terms are subject to change without notice prior to account opening. Offer may be withdrawn at any time.
Promotional rate · 4.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000with conditions
Requirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 4.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - Capital Credit Union of North Dakota6-Month Special Certificate of DepositCD · 6 months · $500 min
Credit union · 3 branches
4.15%APY$205 over 6 months on $10,000intro rateRequirements
Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 6 months, balance automatically rolls into a regular 6-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
Offer: Requires 100% new money. Automatically rolls over into a regular 6-Month CD at maturity.
Promotional rate · 4.07% interest rate · Effective Aug 1, 2026
Rate checked
More details - Capital Credit Union of North Dakota12-Month Special Certificate of DepositCD · 12 months · $500 min
Credit union · 3 branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 12 months, balance automatically rolls into a regular 12-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
Offer: Requires 100% new money. Automatically rolls over into a regular 12-Month CD at maturity.
Promotional rate · 4.08% interest rate · Effective Jun 1, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Allows one additional deposit less than or equivalent to initial deposit, one penalty-free withdrawal of up to 50% of current balance, and one rate change during the term.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Make one additional deposit less than or equivalent to initial deposit; make one penalty free withdrawal of up to 50% of current balance; rate may be changed one time during the term.
Promotional rate
Rate checked
More details - First Community Credit UnionCertificates of DepositCD · 15 months · $1,000 min
Credit union · 6 branches
4.15%APY$521 over 15 months on $10,000intro rateRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: Limited-time offer. Dividends compound quarterly for CDs with terms greater than 12 months. Not available for funds. Penalty for early withdrawal. No setup or maintenance fees.
Promotional rate · Balance cap $1,000,000 · Effective Oct 19, 2026
Rate checked
More details - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.06%APY$720 over 21 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
4.01% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000
Requirements
Offer: Exclusive offer
3.95% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Promotional rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Effective Oct 1, 2026
Rate checked
More details - 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 - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Penalties for early withdrawals apply. Rates are subject to change without notice.
Rate checked
More details - 3.80%APY$1,609 over 48 months on $10,000
Requirements
Product: NCUA insured. Rates and APYs subject to change monthly as determined by the Credit Union Board of Directors. Early withdrawal penalties apply.
3.75% interest rate
Rate checked
More details - 3.79%APY$188 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
3.75% interest rate · Effective Sep 30, 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 Fargo, ND-MN metro
293 CDs at 27 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.20%
- Banks, typical
- 2.90%
- 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.
Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches