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 Fargo, ND-MN metro
- Capital Credit Union of North DakotaCertificate of DepositCD · 6 months · $500 min
Credit union · 3 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership eligibility applies (living within specified mileage of branch locations or immediate family member of resident). $500 minimum balance required. Penalty applies for early withdrawal. Rates accurate as of Aug. 1, 2026. Classic Checking members in good standing may request a 0.10% APY CD bump at opening/renewal (not available on specials).
3.69% interest rate · Effective Aug 1, 2026
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More details - Fargo Public Schools Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 2 branches
3.70%APY$183 over 6 months on $10,000Effective Oct 5, 2026
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More details - 3.62%APY$240 over 8 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
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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 Penalty may be imposed if remaining balance is withdrawn early.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
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
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 - 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
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 5 branches
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 - 1.75%APY$353 over 24 months on $10,000
Requirements
Product: $500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Gold Money Market account holders receive an additional 0.10% bonus rate on the 1st term of Standard, Fixed-Rate CDs.
1.75% interest rate · Effective Sep 21, 2026
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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
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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
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
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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%
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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