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 1–15 results in Grand Rapids, MN metro
- 4.60%APY$3,098 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.52% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.41% interest rate
Rate checked
More details - 4.50%APY$3,023 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.43% interest rate · Effective Sep 28, 2026
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 - Members Cooperative Credit UnionMembersPlus 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.10%APY$445 over 13 months on $10,000with conditionsRequirements
Product: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. $1,000 minimum deposit/balance. Early withdrawal penalty applies.
Offer: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. Assumes principal and interest remain on deposit for the term of the certificate. Early withdrawal penalty applies.
Qualified rate · Effective Oct 16, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersBasic 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.00%APY$434 over 13 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Minimum opening deposit of $25. Allows unlimited additional deposits during the term. Early withdrawal penalty applies (30 days dividends). Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly.
3.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - First State Bank of BigforkCertificates of Deposit (CDs)CD · 12 months · $500 min · 3.49%–3.70% by balance
Bank · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
Offer: Must maintain a minimum daily balance to obtain the disclosed APY. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly. Grace period of 10 calendar days after maturity.
3.45% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $5,000 3.49% $5,000 – $45,000Your amount 3.60% $45,000 and up 3.70% Rate checked
More details - Northview Bank11 Month Special Certificate of DepositCD · 11 months · $1,000 min · 3.55%–3.70% by balance
Bank · 2 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 - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 1 branch
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 · 2 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 - 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 - Northview Bank12 Month Certificate of DepositCD · 12 months · $1,000 min · 3.25%–3.39% by balance
Bank · 2 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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 Grand Rapids, MN metro
151 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.30%
- Banks, typical
- 1.26%
- Credit unions, typical
- 3.75%
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Grand Rapids, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- North Star Credit UnionCredit union · 1 branch
- Blaze Credit UnionCredit union · 1 branch