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 31–44 results in Rochester, MN metro
- 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
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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 - 3.07%APY$152 over 6 months on $10,000
Requirements
Product: Available online only; not available to open in branch.
Offer: Open online only.
3.05% interest rate
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More details - 3.07%APY$178 over 7 months on $10,000intro rate
Requirements
Product: In-branch exclusive specials; terms from 1 month to 5 years available. No setup or maintenance fees.
Offer: Classic 7 Month CD Special; in-branch exclusive.
Promotional rate · 3.05% interest rate · Effective Oct 1, 2026
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More details - 3.07%APY$464 over 18 months on $10,000
Requirements
Product: No monthly maintenance or setup fees. Deposits federally insured by NCUA.
Offer: Interest rate and APY are variable and based on an Index; interest compounded monthly; not available to Business Accounts.
3.03% interest rate · Compounded monthly
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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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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 - 2.80%APY$568 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fees and service charges may reduce earnings.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 2.80% $25,000 – $99,999 2.90% $100,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 4 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 - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
Rate checked
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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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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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