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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 17 results in Minnesota
- 4.50%APY$722 over 19 months on $10,000
Requirements
Product: After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.
4.43% interest rate
Rate checked
More details - 4.25%APY$681 over 19 months on $10,000intro rate
Requirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 19 Month CD SPECIAL
Promotional rate · 4.24% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.
Offer: CD Special. Other restrictions apply. See bank for details.
3.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - First National Bank of OsakisCertificate of Deposit SpecialsCD · 19 months · $500 min
Bank · 1 branch
4.00%APY$641 over 19 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Fees could reduce earnings. Restrictions may apply. Rate may change at any time.
Promotional rate · 3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: $500.00 minimum deposit. Rate effective as of 09/24/2026. Penalty for early withdrawal. Fees could reduce earnings.
Promotional rate · 3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal. Fees could reduce earnings.
3.94% interest rate · Effective Sep 24, 2026
Rate checked
More details - Security Bank Minnesota19 Month Certificate of Deposit SpecialCD · 19 months · $1,000 min
Bank · 3 branches
3.86%APY$618 over 19 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal.
Offer: Daily balance calculation.
Promotional rate · 3.85% interest rate · Effective Sep 17, 2026
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 - First State Bank and TrustPersonal Certificates of DepositCD · 12–23 months · $1,000 min
Bank · 2 branches
3.29%APYRequirements
Product: Early withdrawal penalty applies if funds are withdrawn before maturity. APY assumes interest will remain on deposit until maturity.
Offer: Early withdrawal penalty applies if principal or interest is withdrawn before maturity.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.12%APY
Requirements
Product: Minimum balance to open account $500.00 A penalty may be imposed for early withdrawal. Rates reviewed weekly and subject to change without notice.
Offer: Term: 18-23 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply.
2.10% interest rate · Effective Oct 30, 2026
Rate checked
More details - North American Banking CompanyCertificates of DepositCD · 12–23 months · $500 min · 0.95%–3.85% by balance
Bank · 6 branches
1.55%APYRequirements
Product: Certificates of deposit with maturities ranging from 3 months to 5 years. Early withdrawal penalties may apply. Interest compounded and credited annually and at maturity for terms one year or longer, and compounded at maturity for terms under one year.
Offer: Requires an active checking account (defined as Direct Deposit or three transactions per statement cycle).
0.95% interest rate · Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 0.95% $10,000 – $25,000Your amount 1.55% $25,000 – $100,000 2.15% $100,000 – $249,999 3.25% $250,000 and up 3.85% Rate checked
More details - 1.51%APYwith conditions
Requirements
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 · 1.50% interest rate · Effective Oct 24, 2026
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More details - 1.50%APYwith conditions
Requirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Standard rate.
Qualified rate · 1.49% interest rate · Effective Oct 24, 2026
Rate checked
More details - North American Banking CompanyCertificates of DepositCD · 12–23 months · $500 min · 0.55%–0.95% by balance
Bank · 6 branches
0.65%APYRequirements
Product: Certificates of deposit with maturities ranging from 3 months to 5 years. Early withdrawal penalties may apply. Interest compounded and credited annually and at maturity for terms one year or longer, and compounded at maturity for terms under one year.
0.55% interest rate · Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 0.55% $10,000 – $25,000Your amount 0.65% $25,000 – $100,000 0.75% $250,000 and up 0.95% Rate checked
More details - Security State Bank of MarineCertificates of Deposit (CD's)CD · 18–29 months · $300 min
Bank · 4 branches
0.45%APYwith conditionsRequirements
Product: Requires active deposit account. A substantial penalty is imposed for early withdrawal.
Offer: Requires active deposit account. Penalty for early withdrawal.
Qualified rate · 0.45% interest rate · Effective Oct 1, 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 19-month CDs pay in Minnesota
17 CDs at 15 banks and credit unions · checked Oct 23–Nov 6
- Typical
- 3.29%
- Top 10% from
- 4.10%
- Banks, typical
- 3.29%
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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
- Mid Minnesota Federal Credit UnionCredit union · 12 branches
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches