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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 Baxter, MN
- Mid Minnesota Federal Credit UnionFast Forward CertificateCD · 36 months · $10 min
Credit union · 1 branch
5.09%APY$1,606 over 36 months on $10,000Requirements
Product: Start certificate with as little as $10 or as much as $500, with a commitment to deposit $10 to $500 per month for the remainder of term. Must make minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Offer: $10 minimum at 36 months and requires a monthly deposit between $10 & $500. Must make a minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Effective Oct 1, 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 - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 1 branch
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000intro rate
Requirements
Product: $2,500.00 minimum balance required to open an account and obtain APY. APY assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and may be subject to penalty. Rates and terms are subject to change without notice prior to account opening. Offer may be withdrawn at any time.
Promotional rate · 4.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersPlus 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.10%APY$445 over 13 months on $10,000with conditionsRequirements
Product: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. $1,000 minimum deposit/balance. Early withdrawal penalty applies.
Offer: Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. Assumes principal and interest remain on deposit for the term of the certificate. Early withdrawal penalty applies.
Qualified rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - Mid Minnesota Federal Credit UnionTraditional Term Share CertificatesCD · 17 months · $500 min
Credit union · 1 branch
4.05%APY$579 over 17 months on $10,000intro rateRequirements
Product: Minimum deposit of $500. Terms vary from 3 to 48 months.
Offer: 17 Month Special
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.03%APY$233 over 7 months on $10,000intro rate
Requirements
Product: Penalty can be imposed for early withdrawal.
Offer: Penalty can be imposed for early withdrawal.
Promotional rate · Effective Sep 18, 2026
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More details - Members Cooperative Credit UnionMembersBasic 13 Month Share CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.00%APY$434 over 13 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.53%APY$906 over 30 months on $10,000
Requirements
Product: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.
Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.
3.50% interest rate
Rate checked
More details - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 12 months · $1,000 min · 3.50%–3.60% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.50% $100,000 and up 3.60% Rate checked
More details - 3.39%APY$339 over 1 year on $10,000
Requirements
Product: Public fund deposits are not eligible for these offers; please contact one of our offices for a rate quote. Early withdrawal penalty may apply. Interest Compounded Quarterly.
Offer: Early withdrawal penalty may apply.
3.35% interest rate · Compounded quarterly · Effective Sep 14, 2026
Rate checked
More details - Mid Minnesota Federal Credit UnionBump CertificatesCD · 24 months · $5,000 min
Credit union · 1 branch
3.35%APY$681 over 24 months on $10,000Requirements
Product: Allows adjusting rate one time during duration of investment if rates go up. One bump per term.
Offer: $5,000 minimum at 24 months with one bump per term
Effective Oct 1, 2026
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 Baxter, MN
83 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 3.75%
- Top 10% from
- 4.24%
- Banks, typical
- 3.75%
- Credit unions, typical
- 3.75%
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Brainerd, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 4 branches
- Bell BankBank · 1 branch