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 31–40 results in St. Cloud, MN metro
- MidCountry BankCertificate of DepositCD · 6 months · $1,000 min · 2.52%–3.13% by balance
Bank · 1 branch
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 - St. Cloud Financial Credit UnionZigZag Certificate of DepositCD · 48 months · $500 min
Credit union · 3 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 - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 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: 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
Rate checked
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
Rate checked
More details - St. Cloud Financial Credit UnionSprout Certificate of DepositCD · 12 months · $100 min
Credit union · 3 branches
0.75%APY$75 over 1 year on $10,000Requirements
Product: Start with as little as $100. Unlimited deposits of $10 or more allowed during the term. Early withdrawal subject to penalty. Not available for IRAs.
Offer: Unlimited additional deposits of at least $10 each allowed during term.
0.75% interest rate
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
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
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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%
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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