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 1–15 results in Fargo, ND-MN metro
- 4.50%APY$1,163 over 30 months on $10,000intro rate
Requirements
Product: LIMITED TIME OFFER. Pick your term then have the option to bump up to a higher rate later if one becomes available. $500 minimum deposit at account opening.
Offer: Limited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available.
Promotional rate · Effective Sep 17, 2026
Rate checked
More details - 4.50%APY$2,191 over 54 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 54 Month \"Special\". Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance. Upon maturity, if not cashed in will automatically renew for 48 months at the 48 month rate at that time.
4.43% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.41% interest rate
Rate checked
More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.31% interest rate
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 11 branches
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - First Community Credit UnionCertificates of Deposit (27 Month)CD · 27 months · $5,000 min
Credit union · 6 branches
4.30%APY$994 over 27 months on $10,000Requirements
Product: Not available for public funds. During the term, account holders may exercise: (1) one additional deposit of at least $5,000, not to exceed initial deposit; (2) one-time rate increase during term; and (3) one penalty-free withdrawal of up to 50% of account balance provided $5,000 minimum balance is maintained. Early withdrawals subject to penalty.
Offer: Dividends compound quarterly. Bump up to a higher rate one time during term. Add money once during term ($5,000 minimum and cannot exceed initial deposit). Penalty-free withdrawal of up to half your balance once per term (must maintain $5,000 minimum). Not available for public funds. Early withdrawals subject to penalty.
Effective Oct 19, 2026
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More details - 4.26%APY$535 over 15 months on $10,000
Requirements
Offer: 15 Month CD Special
4.25% interest rate · Effective Sep 29, 2026
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More details - 4.25%APY$389 over 11 months on $10,000intro rate
Requirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 11 Month CD SPECIAL
Promotional rate · 4.24% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - First International Bank & TrustFixed-Term CD (Certificate of Deposit) AccountCD · 13 months · $2,500 min
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000Requirements
Product: Minimum opening deposit to earn the stated APY for any special CD account is $2,500.00. Fees could reduce earnings on this account. A penalty may be imposed for early withdrawal of funds. These offers are for consumer and non-consumer accounts and not for public funds.
Offer: Minimum opening deposit to earn stated APY is $2,500.00. Early withdrawal penalty may apply.
Effective Oct 12, 2026
Rate checked
More details - 4.25%APY$607 over 17 months on $10,000
Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
Offer: Limited Time Offer. Pick Your Term Certificate.
Effective Sep 17, 2026
Rate checked
More details - 4.25%APY$830 over 23 months on $10,000intro rate
Requirements
Product: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply.
Promotional rate
Rate checked
More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 24 months · $500 min
Credit union · 4 branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
Offer: Auto-renews at the current rate with a 10 day grace period.
Effective Oct 1, 2026
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More details - 4.20%APY$243 over 7 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
Promotional rate · 4.16% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.20%APY$384 over 11 months on $10,000
Requirements
Product: Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Offer: Minimum $1,000 deposit required to open the account and obtain the advertised APY. Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Effective Oct 12, 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 Fargo, ND-MN metro
293 CDs at 27 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.20%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.75%
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Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches