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 Albert Lea, MN
- 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 - 4.25%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 - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - United Employees Credit UnionShare Certificates (CDs)CD · 3 months · $1,000 min
Credit union · 1 branch
4.06%APY$101 over 3.033333333333333 months on $10,000Requirements
Product: Dividends paid at maturity or annually. Anticipated Rates - Dividends Paid on Average Daily Balance. Each Account Insured up to $250,000 by NCUA.
Offer: 91 day term.
4.00% interest rate
Rate checked
More details - Security Bank Minnesota19 Month Certificate of Deposit SpecialCD · 19 months · $1,000 min
Bank · 1 branch
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 - Security Bank Minnesota10 Month Certificate of Deposit SpecialCD · 10 months · $1,000 min
Bank · 1 branch
3.76%APY$312 over 10 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal.
Offer: Daily balance calculation.
Promotional rate · 3.75% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000intro rate
Requirements
Product: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings. Minimum deposit requirement of $1,000.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 3.65%APY$211 over 7 months on $10,000intro rate
Requirements
Product: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings. Minimum deposit requirement of $1,000.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; compounded and paid quarterly. Penalty for early withdrawal applies. Fees may reduce earnings.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 3.62%APY$240 over 8 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 3.53%APY$175 over 6 months on $10,000intro rate
Requirements
Product: Limited time offer. At maturity, automatically renews at standard 6-month certificate rate and term.
Offer: Interest compounded at maturity. At maturity, automatically renews at standard 6-month certificate rate and term.
Promotional rate · 3.50% interest rate
Rate checked
More details - Trades & Labor FCUShare CertificatesCD · 12 months · $500 min · 3.00%–3.50% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends are compounded daily and paid at maturity. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.00% interest rate · Compounded daily · Effective Jul 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.00% $10,000 and upYour amountJumbo certificate 3.50% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.07%APY$464 over 18 months on $10,000
Requirements
Product: No monthly maintenance or setup fees. Deposits federally insured by NCUA.
Offer: Interest rate and APY are variable and based on an Index; interest compounded monthly; not available to Business Accounts.
3.03% interest rate · Compounded monthly
Rate checked
More details - Security Bank MinnesotaCertificates of DepositCD · 60 months · $1,000 min · 2.65%–2.75% by balance
Bank · 1 branch
2.70%APY$1,425 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Rates and APYs effective September 17, 2026.
Offer: Daily balance calculation.
2.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $10,000 2.65% $10,000 – $25,000Your amount 2.70% $25,000 and up 2.75% 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 Albert Lea, MN
89 CDs at 9 banks and credit unions · checked Oct 6–22
- Typical
- 2.40%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.75%
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Albert Lea, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Employees Credit UnionCredit union · 1 branch