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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.

Term
Location

Top CD rates

Showing 1–15 results in St. Cloud, MN metro

  1. Top Carrot, Carrot Score 88
    Blaze Credit UnionPremium CertificateCD · 72 months · $10,000 min

    Credit union · 1 branch

    4.60%APY$3,098 over 72 months on $10,000
  2. Top Carrot, Carrot Score 91
    Magnifi FinancialBump-Up CertificateCD · 30 months · $500 min

    Credit union · 12 branches

    4.50%APY$1,163 over 30 months on $10,000intro rate
  3. Affinity PlusBasic CertificateCD · 60 months · $500 min

    Credit union · 2 branches

    4.50%APY$2,462 over 60 months on $10,000
  4. Top Carrot, Carrot Score 88
    Blaze Credit UnionRegular CertificateCD · 72 months · $500 min

    Credit union · 1 branch

    4.50%APY$3,023 over 72 months on $10,000
  5. Falcon National BankCertificate of DepositCD · 18 months · $500 min

    Bank · 3 branches

    4.35%APY$660 over 18 months on $10,000
  6. St. Cloud Financial Credit UnionDiamond CertificatesCD · 6 months · $500 min

    Credit union · 3 branches

    4.25%APY$210 over 6 months on $10,000with conditions
  7. Top Carrot, Carrot Score 88
    TruStone FinancialCertificateCD · 7 months · $2,500 min

    Credit union · 1 branch

    4.25%APY$246 over 7 months on $10,000
  8. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 3 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  9. Top Carrot, Carrot Score 91
    Magnifi FinancialCertificatesCD · 17 months · $500 min

    Credit union · 12 branches

    4.25%APY$607 over 17 months on $10,000
  10. Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min

    Credit union · 1 branch

    4.25%APY
  11. Gate City BankRelationship CDCD · 24 months · $1,000 min

    Bank · 3 branches

    4.20%APY$858 over 24 months on $10,000with conditions
  12. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 1 branch

    4.10%APY$169 over 5 months on $10,000intro rate
  13. Gate City BankCertificate of DepositCD · 5 months · $1,000 min

    Bank · 3 branches

    4.00%APY$165 over 5 months on $10,000
  14. Sentry BankCertificate SpecialsCD · 12 months · $10,000 min

    Bank · 4 branches

    4.00%APY$400 over 1 year on $10,000intro rate
  15. Top Carrot, Carrot Score 87
    Stearns BankStandard CDCD · 6 months · $500 min

    Bank · 3 branches

    3.94%APY$195 over 6 months on $10,000

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 St. Cloud, MN metro

314 CDs at 24 banks and credit unions · checked Oct 15–22

Typical
2.81%
Top 10% from
4.20%
Banks, typical
2.00%
Credit unions, typical
3.90%

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St. Cloud, MN metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Magnifi FinancialCredit union · 12 branches
  2. Blaze Credit UnionCredit union · 1 branch
  3. TruStone FinancialCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate