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 166–180 results in Minnesota
- Bank MidwestCertificates of DepositCD · 60 months · $500 min · 3.65%–3.75% by balance
Bank · 6 branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 60-month Certificate of Deposit
3.60% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.65% $250,000 and up 3.75% Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Minimum deposit to open is $500.00 for all CDs except the 36-month Rate Changer which is $10,000.00. Early withdrawal penalties apply (3 months interest for maturities <= 1 year; 6 months interest for maturities > 1 year).
3.60% interest rate · Effective May 28, 2026
Rate checked
More details - 3.62%APY$240 over 8 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 3.60%APY$89 over 3 months on $10,000with conditions
Requirements
Product: Compounded Quarterly. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Quarterly.
Qualified rate · 3.55% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - Northwoods Bank of Minnesota11 Month CDCD · 11 months · $1,000 min · 3.21%–4.06% by balance
Bank · 4 branches
3.60%APY$330 over 11 months on $10,0003.20% interest rate
Rate by balance
Rate by balance for 11 Month CD Balance APY $1,000 – $9,999 3.21% $10,000 – $99,999Your amount 3.60% $100,000 – $249,000 4.01% $250,000 and up 4.06% Rate checked
More details - First State Bank of BigforkCertificates of Deposit (CDs)CD · 12 months · $500 min · 3.49%–3.70% by balance
Bank · 2 branches
3.60%APY$360 over 1 year on $10,000Requirements
Product: Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
Offer: Must maintain a minimum daily balance to obtain the disclosed APY. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly. Grace period of 10 calendar days after maturity.
3.45% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $5,000 3.49% $5,000 – $45,000Your amount 3.60% $45,000 and up 3.70% Rate checked
More details - 3.60%APY$545 over 18 months on $10,000
Requirements
Product: Dividends calculated on daily balance and paid quarterly. Minimum $500 to open. Early withdrawal penalty: 90 days interest for <= 1 year, 180 days interest for > 1 year.
3.55% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000intro rate
Requirements
Product: A Certificate of Deposit (CD) account is a time deposit account. Automatically renewable, unless you withdraw the funds at maturity. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Early withdrawal penalty: 1 year.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.60%APY$1,934 over 60 months on $10,000
Requirements
Product: Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
Offer: Penalty equals 365 days dividends on the amount withdrawn.
3.54% interest rate · Effective May 19, 2026
Rate checked
More details - 3.58%APY$177 over 6 months on $10,000with conditions
Requirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
Rate checked
More details - 3.58%APYwith conditions
Requirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Requires a $500.00 deposit to open and obtain the APY. An early withdrawal penalty may be imposed. APY assumes interest remains on deposit until maturity; withdrawals reduce earnings.
Offer: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity.
3.50% interest rate
Rate checked
More details - Northview Bank11 Month Special Certificate of DepositCD · 11 months · $1,000 min · 3.55%–3.70% by balance
Bank · 12 branches
3.55%APY$325 over 11 months on $10,000intro rateRequirements
Product: Daily balance method.
Promotional rate · 3.50% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for 11 Month Special Certificate of Deposit Balance APY $1,000 – $11,000Your amount 3.55% $11,000 – $52,000 3.70% $52,000 – $96,000 3.70% $96,000 and up 3.70% Rate checked
More details - SouthPoint Financial Credit UnionStep Up Certificate of DepositCD · 24 months
Credit union · 8 branches
3.55%APY$723 over 24 months on $10,000intro rateRequirements
Product: Offers periodic interest rate increases at set intervals. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates.
Promotional rate · 3.52% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.53%APY$175 over 6 months on $10,000intro rate
Requirements
Product: Limited time offer. At maturity, automatically renews at standard 6-month certificate rate and term.
Offer: Interest compounded at maturity. At maturity, automatically renews at standard 6-month certificate rate and term.
Promotional rate · 3.50% interest rate
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 Minnesota
1,646 CDs at 187 banks and credit unions · checked Oct 16–23
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 3.25%
- Credit unions, typical
- 3.40%
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Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch