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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 Apple Valley, MN
- 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$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Must be a member; purchase and maintain minimum required share ($5.00) in savings/trust savings. Early withdrawal penalty applies based on term. 7-day grace period after maturity.
Offer: Flex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$1,265 over 36 months on $10,000
Requirements
Product: $500 minimum opening deposit. No monthly service charge. Interest rate locked in for full term. Early withdrawal penalty may apply. Available terms start from 3 months. Showing rates for Apple Valley branch.
Effective Sep 17, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Variable Rate Certificates of Deposit (CDs) are subject to adjustment weekly according to market conditions and management discretion. Cannot be opened online. Additional deposits can be made to existing variable rate CDs. Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: $250 minimum opening deposit, or $10 with automatic transfer. Interest paid quarterly. Rate adjusts weekly.
3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid at maturity.
3.96% interest rate · Effective Oct 9, 2026
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More details - 3.77%APY$377 over 1 year on $10,000
Requirements
Product: Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.70% interest rate · Effective Jul 6, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000
Requirements
Product: Membership required and account opening upon qualification. Insured by NCUA. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.25% interest rate · Effective Feb 2, 2026
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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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - MidCountry BankCertificate of DepositCD · 6 months · $1,000 min · 2.52%–3.13% by balance
Bank · 1 branch
2.52%APY$125 over 6 months on $10,000intro rateRequirements
Offer: Tier 1
Promotional rate · 2.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 2.52% $25,000 – $50,000Tier 2 2.93% $50,000 – $100,000Tier 3 3.03% $100,000 and upTier 4 3.13% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
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 Apple Valley, MN
179 CDs at 11 banks and credit unions · checked Oct 4–22
- Typical
- 0.50%
- Top 10% from
- 3.95%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.00%
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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