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 31–45 results in Minneapolis, MN
- 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000intro rate
Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Fixed rate of interest declared every 3 months. Low investment minimum of $50 per month. 2% surrender charge applies for withdrawals of principal within the first 3 years of initial purchase.
Offer: 3-month term. Fixed rate declared every 3 months. Minimum monthly contribution of $50.
Promotional rate · 2.96% interest rate · Effective Oct 14, 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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
Rate checked
More details - 2.90%APY$588 over 24 months on $10,000
Requirements
Product: Quarterly compounding. Minimum opening deposit $500. Dividend rates and APYs are prospective, variable, and may change after account opening. Fees and other conditions may reduce earnings.
Offer: Compounding frequency quarterly.
2.87% interest rate · Effective Dec 1, 2025
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - Northeast BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 2.40%–2.50% by balance
Bank · 1 branch
2.50%APY$250 over 1 year on $10,000Requirements
Product: Rates do not apply to CDs of $100,000 or greater. Early withdrawals subject to penalty. No setup or maintenance fees. $20 fee if account is closed within 3 months of opening.
Offer: Compounding and crediting frequency at Maturity. 6 month loss of interest penalty for early withdrawal. Rates do not apply to CDs of $100,000 or greater.
2.40% interest rate · Effective Apr 1, 2024
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $10,000 2.40% $10,000 – $100,000Your amount 2.50% Rate checked
More details - Latvian Credit UnionCertificateCD · 36 months · $500 min · 2.17%–2.22% by balance
Credit union · 1 branch
2.17%APY$665 over 36 months on $10,000Requirements
Product: The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. Must be a Latvian Credit Union member with a savings account and a minimum balance of $5.
Offer: Dividends paid quarterly.
2.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY Up to $19,999Your amount 2.17% $20,000 and up 2.22% Rate checked
More details - 2.00%APY$50 over 3 months on $10,000intro rate
Requirements
Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Guaranteed rates for 3 months at a time. Low investment minimum of $1,000 lump sum or $50 per month. No withdrawal penalties. Pre-approval required for amounts of $2,000,000 or greater.
Offer: Under $10,000 balance tier. Rate declared every 3 months.
Promotional rate · 1.99% interest rate · Effective Oct 14, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 12 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 - 1.75%APY$353 over 24 months on $10,000
Requirements
Product: $500 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply. Gold Money Market account holders receive an additional 0.10% bonus rate on the 1st term of Standard, Fixed-Rate CDs.
1.75% interest rate · Effective Sep 21, 2026
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
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 - 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
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 Minneapolis, MN
363 CDs at 23 banks and credit unions · checked Oct 9–22
- Typical
- 2.89%
- Top 10% from
- 4.25%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.80%
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches