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 151–165 results in Minneapolis, MN-WI metro
- Cornerstone State Bank24 - 35 Month C.D.CD · 24–35 months · $500 min · 2.82%–3.33% by balance
Bank · 3 branches
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 - 2.79%APY$566 over 24 months on $10,000
Requirements
Product: Closing prior to maturity is subjected to a loss of 90 days dividend. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter. Rates subject to change without notice.
Offer: Term Share Certificates of Deposit: 24 months
2.75% interest rate
Rate checked
More details - 2.64%APY$399 over 18 months on $10,000
Requirements
Product: With a Savers CD, you can make additional deposits during the term of the Certificate to boost your savings even more. Penalty for early withdrawal.
2.60% interest rate · Effective Oct 16, 2026
Rate checked
More details - 2.57%APY$1,353 over 60 months on $10,000
Requirements
Product: Minimum opening deposit applies per tier; interest may compound quarterly.
2.55% interest rate
Rate checked
More details - 2.55%APY$1,342 over 60 months on $10,000intro rate
Requirements
Product: Rate goes up once on 3-year certificates, and twice on 5-year certificates. Account holder decides if/when the rate goes up.
Offer: Rate goes up twice during the 5-year term at the member's choice.
Promotional rate · 2.53% interest rate · Effective May 1, 2026
Rate checked
More details - MidCountry BankCertificate of DepositCD · 6 months · $1,000 min · 2.52%–3.13% by balance
Bank · 9 branches
2.52%APY$125 over 6 months on $10,000intro rateRequirements
Offer: Tier 1
Promotional rate · 2.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 2.52% $25,000 – $50,000Tier 2 2.93% $50,000 – $100,000Tier 3 3.03% $100,000 and upTier 4 3.13% Rate checked
More details - Northeast BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 2.40%–2.50% by balance
Bank · 3 branches
2.50%APY$250 over 1 year on $10,000Requirements
Product: Rates do not apply to CDs of $100,000 or greater. Early withdrawals subject to penalty. No setup or maintenance fees. $20 fee if account is closed within 3 months of opening.
Offer: Compounding and crediting frequency at Maturity. 6 month loss of interest penalty for early withdrawal. Rates do not apply to CDs of $100,000 or greater.
2.40% interest rate · Effective Apr 1, 2024
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $10,000 2.40% $10,000 – $100,000Your amount 2.50% Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Maximum deposit per membership is $1,000,000. Dividends are compounded and paid quarterly. Certificate balance is automatically renewed to the same term at maturity unless action is taken within the 10-day grace period. Early withdrawal penalty may apply.
Offer: Dividends compounded and paid quarterly.
Effective Apr 1, 2026
Rate checked
More details - St. Cloud Financial Credit UnionZigZag Certificate of DepositCD · 48 months · $500 min
Credit union · 2 branches
2.40%APY$995 over 48 months on $10,000intro rateRequirements
Product: Start with as little as $500. One penalty-free withdrawal per calendar year (must maintain at least $500 balance). One additional deposit of 100% new funds (min $500, max $100,000) allowed per calendar year. One-time step-up option allowed during certificate term to increase rate, available 30 days after opening date. Not available for IRAs.
Offer: One penalty-free withdrawal per year (min $500 balance). One-time step-up option available 30 days after opening.
Promotional rate · 2.37% interest rate
Rate checked
More details - 2.38%APY$731 over 36 months on $10,000with conditions
Requirements
Product: Open with $5,000 initial deposit. Make additional deposits of at least $1,000 anytime. Allows increasing the rate one time and making a one-time withdrawal of up to 50% of the original certificate amount without penalty. Compounded monthly. Early withdrawal penalties apply. Rates vary by MVP level.
Offer: Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly.
Qualified rate · 2.35% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.37%APY
Requirements
Product: Minimum balance to open account $500.00. A penalty may be imposed for early withdrawal. Rates reviewed weekly and subject to change without notice.
Offer: Term: 36-59 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply.
2.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - 2.32%APY$1,215 over 60 months on $10,000
Requirements
Product: Competitive, fixed rate for length of term. No setup or maintenance fees. Early withdrawals subject to penalty.
2.30% interest rate · Effective Jul 15, 2026
Rate checked
More details - North American Banking CompanyCertificates of DepositCD · 60 months · $500 min · 2.00%–3.00% by balance
Bank · 6 branches
2.25%APY$1,177 over 60 months on $10,000Requirements
Product: Maturities ranging from 3 months to 5 years. A penalty may be assessed for early withdrawals. Service fees may reduce earnings. Interest rates are fixed for the term.
Offer: Requires an active checking account (defined as Direct Deposit or 3 transactions per statement cycle).
2.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 2.00% $10,000 – $25,000Your amount 2.25% $25,000 – $100,000 2.50% $100,000 – $249,999 3.00% $250,000 and up 2.75% Rate checked
More details - Latvian Credit UnionCertificateCD · 36 months · $500 min · 2.17%–2.22% by balance
Credit union · 1 branch
2.17%APY$665 over 36 months on $10,000Requirements
Product: The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. Must be a Latvian Credit Union member with a savings account and a minimum balance of $5.
Offer: Dividends paid quarterly.
2.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY Up to $19,999Your amount 2.17% $20,000 and up 2.22% Rate checked
More details - 2.00%APY$50 over 3 months on $10,000intro rate
Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Guaranteed rates for 3 months at a time. Low investment minimum of $1,000 lump sum or $50 per month. No withdrawal penalties. Pre-approval required for amounts of $2,000,000 or greater.
Offer: Under $10,000 balance tier. Rate declared every 3 months.
Promotional rate · 1.99% interest rate · Effective Oct 14, 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 Minneapolis, MN-WI metro
1,037 CDs at 105 banks and credit unions · checked Oct 16–23
- Typical
- 3.20%
- Top 10% from
- 4.15%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.43%
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches