Best CD rates and certificates

Requirements

Product: Variable Rate Certificates of Deposit (CDs) are subject to adjustment weekly according to market conditions and management discretion. Cannot be opened online. Additional deposits can be made to existing variable rate CDs. Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: $250 minimum opening deposit, or $10 with automatic transfer. Interest paid quarterly. Rate adjusts weekly.

Requirements

Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: Interest paid at maturity.

Requirements

Product: Early withdrawal penalty may apply. Minimum deposit of $500 required for all Certificates of Deposit.

Offer: Early withdrawal penalty may apply. Minimum deposit of $500 required.

Requirements

Product: The interest rate and APY may change after account opening. Fees may reduce earnings. $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal.

Offer: $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings.

Requirements

Product: Fixed-rate earnings. Minimum deposit and method of compounding may vary on certificates. Maximum deposit of $250,000. Certificates automatically renew upon maturity. Early withdrawals subject to penalty. Some CDs may not be eligible for brokerage deposits, institutional investors or public funds. Wide range of terms available from 91 days to 5 years.

Offer: Automatically renews upon maturity; early withdrawal penalty may apply; maximum deposit $250,000.

Requirements

Offer: New Money Special: Minimum balance of $2,500 needed to open with a minimum of 50% new funds not on deposit for prior 90 days with Highland Bank needed to obtain APY. Compounding and crediting at maturity.

Requirements

Product: No monthly maintenance fees. Minimum opening deposit $500.

Offer: 7 Month CD Special: Rate effective 10/21/2026. At maturity, the balance of the certificate will automatically roll into a 6 month term certificate at the current rate at that time. Offer subject to change.

Requirements

Product: Minimum deposit amount of $500. After the Certificate is open, no additions may be made into the account until the maturity date. Penalty for early withdrawal.

Offer: Minimum deposit amount of $500. After the Certificate is open, no additions may be made into the account until the maturity date. Penalty for early withdrawal.

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.

Requirements

Product: Dividends paid at maturity. Minimum deposit is $2,000.

Offer: Limited time CD Special. Only available when using funds currently held outside of the Credit Union. Online application is for current MSCU members only; non-members must call.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.

Requirements

Product: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.

Requirements

Offer: For new money deposits. APYs assume dividends are paid at maturity; if disbursed, APY equals the rate. Early withdrawal penalties apply.

Requirements

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.

Requirements

Product: Early withdrawal penalty applies if funds are withdrawn before maturity. APY assumes interest will remain on deposit until maturity.

Offer: Early withdrawal penalty applies if principal or interest is withdrawn before maturity.