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 Minneapolis, MN-WI metro
- SouthPoint Financial Credit Union9-Month Certificate of Deposit SpecialCD · 9 months
Credit union · 2 branches
9.00%APY$668 over 9 months on $10,000intro rateRequirements
Product: Limited-time 90th anniversary certificate of deposit special.
Offer: Limited-time 90th anniversary special
Promotional rate
Rate checked
More details - Woodlands National BankStandard CD RatesCD · 60 months · $1,000 min · 4.87%–4.97% by balance
Bank · 4 branches
4.87%APY$2,684 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.81% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.87% $50,000 and up 4.97% Rate checked
More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - MY CREDIT UNIONShare CertificatesCD · 27 months · $500 min · 4.59%–4.70% by balance
Credit union · 4 branches
4.65%APY$1,077 over 27 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
Offer: Certificate of Deposit Special
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.59% $10,000 and upYour amount 4.65% $25,000 and up 4.70% Rate checked
More details - 4.60%APY$3,098 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.52% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.50%APY$960 over 25 months on $10,000intro rate
Requirements
Product: Certificate specials are for a limited time. Non-renewable (7 month renews into 6 month, 13 month renews into 12 month, 19 month renews into 18 month, 25 month renews into 24 month). Penalty for early withdrawal.
Offer: Specials are non-renewable; 25 month term will renew into an 24 month term certificate.
Promotional rate · 4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - 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$2,462 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 - 4.50%APY$3,023 over 72 months on $10,000
Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.43% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - Associated Healthcare Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · 5 branches
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: 18 Month CD Special. Requires 100% New Money. Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 4.33% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.39%APY$254 over 7 months on $10,000intro rate
Requirements
Product: Minimum opening deposit: $5,000.
Promotional rate · 4.32% interest rate
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Offer: Current CD Special. $500 minimum opening deposit required to obtain APY. Not valid with any other offer. A penalty may be applied for early withdrawal. Fees may reduce earnings. Expires on or before 10/18/2026.
Effective Sep 24, 2026
Rate checked
More details - 4.30%APY$177 over 5 months on $10,000intro rate
Requirements
Product: Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
Offer: Interest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer.
Promotional rate · 4.25% interest rate
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% 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 Minneapolis, MN-WI metro
1,037 CDs at 105 banks and credit unions · checked Oct 16–22
- Typical
- 3.20%
- Top 10% from
- 4.15%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.43%
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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