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 1–11 results in Willmar, MN metro
- 4.50%APY$1,163 over 30 months on $10,000intro rate
Requirements
Product: LIMITED TIME OFFER. Pick your term then have the option to bump up to a higher rate later if one becomes available. $500 minimum deposit at account opening.
Offer: Limited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available.
Promotional rate · Effective Sep 17, 2026
Rate checked
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
Rate checked
More details - 4.25%APY$607 over 17 months on $10,000
Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
Offer: Limited Time Offer. Pick Your Term Certificate.
Effective Sep 17, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
4.12% interest rate · Effective Sep 29, 2026
Rate checked
More details - Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 15 months · $500 min
Bank · 1 branch
3.75%APY$471 over 15 months on $10,000intro ratePromotional rate · Effective Mar 5, 2026
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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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - 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
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 Willmar, MN metro
70 CDs at 6 banks and credit unions · checked Oct 6–22
- Typical
- 3.05%
- Top 10% from
- 4.10%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Willmar, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Co-op Credit UnionCredit union · 1 branch
- Magnifi FinancialCredit union · 1 branch