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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 Forest Lake, MN
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
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$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 - TopLine Financial Credit UnionCertificate SpecialsCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
4.18% interest rate
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 - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
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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 - 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
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 - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Forest Lake, MN
167 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 1.02%
- Top 10% from
- 4.10%
- Banks, typical
- 1.00%
- Credit unions, typical
- 4.00%
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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