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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.

Term
Location

Top CD rates

Showing 16–29 results in Duluth, MN

  1. U.S. BankCD SpecialCD · 6 months · $1,000 min

    Bank · 5 branches

    3.25%APY$161 over 6 months on $10,000
  2. Minnesota Power Employee Credit UnionTiered Term Share CertificatesCD · 6 months · $500 min

    Credit union · 3 branches

    2.99%APY$148 over 6 months on $10,000
  3. Members Cooperative Credit UnionMembersBasic Share CertificateCD · 60 months · $1,000 min · 2.85%–2.95% by balance

    Credit union · 3 branches

    2.85%APY$1,509 over 60 months on $10,000
  4. Top Carrot, Carrot Score 88
    North Shore Bank of CommerceCertificates of DepositCD · 3 months · $1,000 min

    Bank · 3 branches

    2.00%APY$50 over 3.033333333333333 months on $10,000
  5. Members Cooperative Credit UnionBasic 6 Month Share CertificateCD · 6 months · $1,000 min

    Credit union · 3 branches

    2.00%APY$100 over 6 months on $10,000
  6. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 3 branches

    1.76%APYwith conditions
  7. Members Cooperative Credit UnionBasic 3 Month Share CertificateCD · 3 months · $1,000 min

    Credit union · 3 branches

    1.25%APY$31 over 3 months on $10,000
  8. Share Advantage Credit UnionTime ShareCD · 48 months · $500 min

    Credit union · 2 branches

    1.21%APY$493 over 48 months on $10,000
  9. Affinity PlusWahoo CertificateCD · 12 months · $0 min

    Credit union · 1 branch

    1.00%APY$100 over 1 year on $10,000
  10. Affinity PlusCertificate BuilderCD · 12 months · $100 min

    Credit union · 1 branch

    1.00%APY$100 over 1 year on $10,000
  11. Top Carrot, Carrot Score 89
    North Star Credit UnionCertificateCD · 60 months · $500 min

    Credit union · 1 branch

    1.00%APY$510 over 60 months on $10,000
  12. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 5 branches

    0.40%APY$202 over 60 months on $10,000
  13. U.S. BankStep Up CDCD · 28 months · $1,000 min · 4 steps

    Bank · 5 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  14. U.S. BankU.S. Bank Certificates of DepositCD · 60 months · $500 min

    Bank · 5 branches

    0.25%APY$126 over 60 months on $10,000

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 Duluth, MN

181 CDs at 16 banks and credit unions · checked Oct 6–22

Typical
2.50%
Top 10% from
4.00%
Banks, typical
1.51%
Credit unions, typical
2.85%

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Duluth, MN-WI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Harbor Pointe Credit UnionCredit union · 3 branches
  2. Northwoods Credit UnionCredit union · 4 branches
  3. North Star Credit UnionCredit union · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate