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 Owatonna, MN metro
- Federated Employees Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 2 branches
4.42%APY$2,414 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.35% interest rate · Effective Oct 1, 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
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000
Requirements
Product: CD Special compounds quarterly and credits interest quarterly. A $5,000 minimum balance is required. Penalty may apply for early withdrawal (1 year or less: 3 months interest; more than 1 year: 6 months interest). 10 calendar days grace period after maturity.
4.18% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Rates and terms subject to change without notice. A penalty may be imposed for early CD withdrawals. At maturity, the certificate will automatically renew at the same term for the current rate being offered at the time of renewal. 10-day grace period to withdraw or transfer funds after maturity without penalty.
4.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - HomeTown Credit UnionShare Certificate ($10,000.00 Minimum)CD · 11 months · $10,000 min
Credit union · 2 branches
4.20%APY$384 over 11 months on $10,000intro rateRequirements
Product: Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies (90 days dividends for terms 11 months or less; 180 days dividends for terms 12 months or more). 7-day grace period at maturity.
Offer: Special rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term.
Promotional rate · 4.12% interest rate · Effective Sep 21, 2026
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More details - HomeTown Credit UnionShare Certificate ($500.00 Minimum)CD · 11 months · $500 min
Credit union · 2 branches
4.20%APY$384 over 11 months on $10,000intro rateRequirements
Product: Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies (90 days dividends for terms 11 months or less; 180 days dividends for terms 12 months or more). 7-day grace period at maturity.
Offer: Special rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term.
Promotional rate · 4.12% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.06%APY$303 over 9 months on $10,000
Requirements
Product: Dividends are compounded and paid quarterly. Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others. Early withdrawal penalty applies. 10 day grace period at end of term.
Offer: Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Commercial or Institutional funds are not eligible for CD specials. Special Certificate of Deposits renew at the current interest rate for the renewal rate term certificate of deposit. Each applicant must be present to open the account.
Offer: Renews at the current interest rate for a 12-month term. Commercial or Institutional funds are not eligible.
Promotional rate · Balance cap $50,000 · Effective Jul 1, 2026
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More details - 3.95%APY$564 over 17 months on $10,000intro rate
Requirements
Product: CDs automatically renew upon maturity. Early withdrawal penalty may apply. Interest paid at maturity for 182-Day and 7-month Certificate; compounded quarterly on terms of 12 months or longer. Minimum balance to obtain APY is $0.01.
Offer: Special 17 Month Certificate of Deposit. Automatically renews upon maturity to a 18 month CD term. Penalty may be imposed for early withdrawal. Interest compounded quarterly.
Promotional rate · 3.89% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Must be at least 18 years of age and a U.S. Citizen. Maximum deposit $50,000. Each applicant must be present to open the account.
Balance cap $50,000 · Effective Apr 22, 2026
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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
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Rates valid as of September 30, 2026. Renews automatically upon maturity. Early withdrawal penalties: 3 months interest for maturity 1 year or less; 6 months interest for maturity over 1 year.
Offer: 1 Year term.
3.00% interest rate · Effective Sep 30, 2026
Rate checked
More details - 2.80%APY$568 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fees and service charges may reduce earnings.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 2.80% $25,000 – $99,999 2.90% $100,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
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 · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 Owatonna, MN metro
124 CDs at 10 banks and credit unions · checked Oct 6–22
- Typical
- 2.70%
- Top 10% from
- 4.11%
- Banks, typical
- 2.80%
- Credit unions, typical
- 2.50%
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Owatonna, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Federated Employees Credit UnionCredit union · 2 branches