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 181–195 results in Minnesota
- 3.53%APY$353 over 1 year on $10,000
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - Odin State BankTwo Year CertificateCD · 24 months · $500 min · 3.02%–3.53% by balance
Bank · 1 branch
3.53%APY$718 over 24 months on $10,000Requirements
Offer: Tier 1
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Two Year Certificate Balance APY $500 and up 3.02% $10,000 and upYour amountTier 2 3.53% Rate checked
More details - 3.53%APY$906 over 30 months on $10,000
Requirements
Product: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.
Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.
3.50% interest rate
Rate checked
More details - Odin State BankThree Year CertificateCD · 36 months · $500 min · 3.02%–3.53% by balance
Bank · 1 branch
3.53%APY$1,097 over 36 months on $10,000Requirements
Offer: Tier 1
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Three Year Certificate Balance APY $500 and up 3.02% $10,000 and upYour amountTier 2 3.53% Rate checked
More details - Odin State BankFour Year CertificateCD · 48 months · $500 min · 3.02%–3.53% by balance
Bank · 1 branch
3.53%APY$1,489 over 48 months on $10,000Requirements
Offer: Tier 1
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Four Year Certificate Balance APY $500 and up 3.02% $10,000 and upYour amountTier 2 3.53% Rate checked
More details - 3.50%APY$203 over 7 months on $10,000intro rate
Requirements
Product: Limited-time offer. Membership eligibility is required. Penalty for early withdrawal. Rates subject to change, end, or extend at any time without notice.
Offer: Funds roll over into a 6-month standard certificate upon maturity.
Promotional rate · 3.45% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.50%APY$320 over 11 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 12 branches
3.50%APY$350 over 1 year on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.50% $100,000 and up 3.60% Rate checked
More details - Trades & Labor FCUShare CertificatesCD · 12 months · $500 min · 3.00%–3.50% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends are compounded daily and paid at maturity. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.00% interest rate · Compounded daily · Effective Jul 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.00% $10,000 and upYour amountJumbo certificate 3.50% Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.49%APY$710 over 24 months on $10,000
Requirements
Product: Requires ownership of at least one $5.00 share in the credit union to open. Rates remain fixed for the term. A penalty may be imposed for early withdrawal.
3.46% interest rate · Effective Oct 31, 2025
Rate checked
More details - 3.46%APY$704 over 24 months on $10,000
Requirements
Product: No hidden fees. FDIC-insured.
Offer: No fees.
Effective Sep 1, 2026
Rate checked
More details - 3.45%APY$142 over 5 months on $10,000intro rate
Requirements
Product: Must be a Latvian Credit Union member with a savings account and a minimum balance of $5. Early withdrawal of principal before maturity may result in a penalty. At maturity, automatically transfers to savings account.
Offer: Limited-time offer. Dividends paid quarterly.
Promotional rate · 3.39% interest rate · Effective Sep 23, 2026
Rate checked
More details - 3.44%APY$1,842 over 60 months on $10,000
Requirements
Product: $500 minimum deposit/balance required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty is 12 months loss of interest. Basis 365 days.
Offer: Compounded quarterly.
3.40% interest rate · Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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