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 Rochester, MN metro
- Altra Federal Credit UnionAltra Thrive CertificatesCD · 30 months · $1,000 min
Credit union · 2 branches
4.75%APY$1,230 over 30 months on $10,000intro rateRequirements
Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.
Promotional rate · 4.67% interest rate · Effective Oct 1, 2026
Rate checked
More details - 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
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More details - 4.50%APY$722 over 19 months on $10,000
Requirements
Product: After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.
4.43% interest rate
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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 - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$140 over 4 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $10,000. New money only. No monthly service fees. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
Offer: New money only. No monthly service fees.
Promotional rate · 4.25% interest rate · Effective Oct 15, 2026
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More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Term Certificates of Deposit may be subject to early withdrawal penalty.
4.19% interest rate
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: 1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
Offer: 11-Month CD SPECIAL. Renews at a 12-Month term.
4.18% interest rate · Effective Sep 24, 2026
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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
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More details - Mayo Employees Federal Credit Union25 Month CertificateCD · 25 months · $1,000 min
Credit union · 6 branches
4.25%APY$906 over 25 months on $10,000intro rateRequirements
Product: Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.
Offer: Offer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 1, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
Offer: Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
4.19% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
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More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Early withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Offer: Promoted as CD Special
Effective Aug 18, 2026
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More details - 4.16%APY$102 over 3 months on $10,000
Requirements
Offer: Early withdrawal penalty: 91 days interest (Minimum $25)
4.10% interest rate · Effective Dec 18, 2025
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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 Rochester, MN metro
269 CDs at 25 banks and credit unions · checked Oct 6–22
- Typical
- 3.65%
- Top 10% from
- 4.25%
- Banks, typical
- 3.44%
- Credit unions, typical
- 3.90%
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Find your bank or credit union to see all its rates and how they compare near you.
Rochester, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 2 branches
- Luminate BankBank · 1 branch
- Foresight BankBank · 3 branches