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 16–30 results in St. Cloud, MN metro
- 3.94%APY$195 over 6 months on $10,000
Requirements
Product: Expected Profit Rate and Expected Annual % Yield. See Disclosure of Account Terms for Truth in Savings provided at account opening.
Offer: Ability to fund throughout the term of the CD. No discount may be applied for early withdrawal. Profit paid at maturity.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 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
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Interest credited quarterly. Early withdrawal penalties apply.
Offer: Penalties may apply for early withdrawal.
3.75% interest rate
Rate checked
More details - Harvest BankFixed Rate Certificates of Deposit ($1,000 Minimum)CD · 60 months · $1,000 min
Bank · 2 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
Offer: Early withdrawal penalty applies.
3.69% interest rate · Effective Sep 29, 2026
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More details - 3.53%APY$353 over 1 year on $10,000
3.50% interest rate · Effective Oct 5, 2026
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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 - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - BankVistaCertificates of Deposit (CDs)CD · 3 months · $1,000 min · 3.29%–3.91% by balance
Bank · 1 branch
3.29%APY$81 over 3 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. FDIC insured up to $250,000. $1,000 minimum deposit to open (specials may differ). Effective 2026-10-01.
Offer: Compounding: Interest At Maturity. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $50,000Your amount 3.29% $50,000 – $100,000 3.55% $100,000 – $250,000 3.85% $250,000 and up 3.91% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% 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
Rate checked
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
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 St. Cloud, MN metro
314 CDs at 24 banks and credit unions · checked Oct 15–22
- Typical
- 2.81%
- Top 10% from
- 4.20%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.90%
Is your bank paying you enough?
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St. Cloud, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Magnifi FinancialCredit union · 12 branches
- Blaze Credit UnionCredit union · 1 branch
- TruStone FinancialCredit union · 1 branch