Minnesota CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Minnesota CD rates include Metropolitan Services Credit UnionMetropolitan Services Credit Union475 Etna St Ste 10, Saint Paul, MN 55106 5845A+5.0 ★Texas Ratio: 0.00%Real return: +5.20%APY minus CPI (February 2026) offering 6 Month NEW Youth CD at 8.00% APY, PSB of PlainviewPSB of Plainview100 4th Ave Se, Plainview, MN 55964A+5.0 ★Texas Ratio: 4.73%Real return: +1.83%APY minus CPI (February 2026) offering 12 Months at 4.63% APY, Cornerstone State BankCornerstone State Bank500 Main St, Madison Lake, MN 56063A+5.0 ★Texas Ratio: 0.88%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, My Credit Union Bloomington, MNMy Credit Union Bloomington, MN4025 W Old Shakopee Rd, Bloomington, MN 55437A5.0 ★Texas Ratio: 7.51%Real return: +1.45%APY minus CPI (February 2026) offering Share & IRA Certificates - 60 Months at 4.25% APY, and Federated Employees Credit UnionFederated Employees Credit Union1929 S Cedar Ave, Owatonna, MN 55060 4301A+5.0 ★Texas Ratio: 1.36%Real return: +1.41%APY minus CPI (February 2026) offering 60 months at 4.21% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Minnesota side-by-side. Minnesota CD rates currently reach as high as 8.00% APY from Metropolitan Services Credit Union at 475 Etna St Ste 10, Saint Paul, MN 55106 5845. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Minnesota
Minnesota 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
201 Main St N, Karlstad, MN 56732
3 month CD
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
Special CD Rate. $10,000 minimum opening deposit required. Substantial penalty for early withdrawal.
Stearns Bank Holdingford
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
580 Main St, Holdingford, MN 56340
3 months
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Stearns Bank Upsala N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
105 S Main St, Upsala, MN 56384
3 months
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months CD
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
3 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
Share Certificate 3 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
90 days
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
3 months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2929 20th St S, Moorhead, MN 56560
3 Month (90 Day) CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
3 Months CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
106 6th St S, Walker, MN 56484
3 Months
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
New Purchases
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 months New Purchases
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$100,000 and above
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 months New Purchases
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Under $100,000
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
3 Month CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN 55125 9201
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
3 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2929 20th St S, Moorhead, MN 56560
3 Month (90 Day)
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
201 Vance Ave S, Erskine, MN 56535
3 MONTH CD
$0
2.67%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTY ON CD'S 1 YEAR AND LESS IS 3 MONTHS OF INTEREST. EARLY WITHDRAWAL PENALTY ON CD'S GREATER THAN 1 YEAR IS 6 MONTHS OF INTEREST. THIS PENALTY MAY INVADE YOUR PRINCIPAL.
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
3 Month CD
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Security Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
195 N Broadway, Alden, MN 56009
3 Months
$25,000
2.02%
▼
Rate2.00%
Min Deposit$25,000
Min Balance—
UpdatedJul 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
3 month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
3 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Early Withdrawal Penalty: 1 month
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
161 Marie Ave E, West St Paul, MN 55118 4004
Youth Certificate of Deposit - 3 Month
$25
2.01%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedJul 16, 2026
Details
Maximum $5000
SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
232 Main St, Wanamingo, MN 55983
3 Month
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Security Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
195 N Broadway, Alden, MN 56009
3 Months
$10,000
1.96%
▼
Rate1.95%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
Security Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
195 N Broadway, Alden, MN 56009
3 Months
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month IRA Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
Traditional & Roth IRA Certificate 3 Months
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
3 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN 56425 8554
3 Months
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Not an HSA or IRA. Rates as high as
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
3 Months
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Business 3 Months
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
3 Months
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 3 Months
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
Business 3 month
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Minnesota 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD
$500
8.00%
▼
Rate8.00%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Limit of one CD per member
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD limit of one CD per member)
$500
8.00%
▼
Rate8.00%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
$500-$1000,; Limit of one CD per member
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
6 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
6-month share certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
17330 State Highway 371, Brainerd, MN 56401
6-Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A dividend penalty will be charged for early withdrawal. 60 day early withdrawal penalty on 6 Month CD.
American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
7638 Woida Rd, Baxter, MN 56425
6-Month CD Special
$5,000
4.04%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
Effective 7/01/26
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1001 Highway 7, Hopkins, MN 55305
6 month
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
NOTE: Early withdrawal from certificates will be subject to a 90-day dividend penalty
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months CD
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
22 Central Ave S, Richmond, MN 56368
6-Month CD
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rates effective as of 06/15/2026. Expires on or before 08/16/2026.
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
6 month Jumbo Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months CD
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
6 Month CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
180 days
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.78%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Stearns Bank Holdingford
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
580 Main St, Holdingford, MN 56340
6 months
$500
3.78%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Stearns Bank Upsala N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
105 S Main St, Upsala, MN 56384
6 months
$500
3.78%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
6 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
Share Certificate 6 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
6 months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
6 MONTH CERTIFICATE
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
One time NO PENALTY withdrawal.
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.68%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
6 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
201 Main St N, Karlstad, MN 56732
6 month CD
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Special CD Rate.
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
6 Month CD
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
6 months
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
190 S 3rd Ave, Lismore, MN 56155
6 Month
$0
3.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN 55912
6 Months Special
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest Compounded: At Maturity
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN 55912
6-month Certificate Special
$500
3.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Limited Time Offer: Boost Your Savings with our 6-month Certificate Special! With a 3.53% Annual Percentage Yield (APY), this short-term investment opportunity is designed to maximize your returns while providing the peace of mind of a trusted financial institution. Open a Certificate
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
6 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN 55125 9201
6 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
232 Main St, Wanamingo, MN 55983
6 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 6 months
$0
3.41%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2929 20th St S, Moorhead, MN 56560
6 Month (182 Day) CD
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
6-Month Term
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Harvest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.27%
222 Atlantic Ave, Atwater, MN 56209
6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
6 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Business 6 Month
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
6 Month CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Early Withdrawal Penalty: 3 month
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Interest At Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
6 Months CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest At Maturity
Perennial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
318 N 1st St, Darwin, MN 55324
6 Months
$1,000
3.28%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
106 6th St S, Walker, MN 56484
6 Months
$500
3.25%
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Minnesota 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
12 Months
$0
4.63%
▼
Rate4.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 12 Months
$0
4.63%
▼
Rate4.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
12-month share certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
306 S Main St, Blue Earth, MN 56013
1-Year CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year Youth Flex Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
12 Months
$0
4.00%
▼
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Business 12 Months
$0
4.00%
▼
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
12 Months
$5,000
4.00%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
Renewal Rate Term: 12 Months
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
12 Month Fixed CD
$250
3.96%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
12 month Jumbo Certificate
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months CD
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 1 Year
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Moneywise Available
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months CD
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
12 month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
12 month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
Business 12 month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
IRA Fixed Rate 12 Month
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
12-Month Certificate
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
12 Month Certificate
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month IRA Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
12 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
12 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
12 Month CD
$500
3.74%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
12 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
1 year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
12 Month Certificate of Deposit
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
12 Months
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
12 months
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN 55125 9201
12 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
12 month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1001 Highway 7, Hopkins, MN 55305
1 year
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
NOTE: Early withdrawal from certificates will be subject to a 90-day dividend penalty
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
1 Year
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
12 Months CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
12 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
326 Us Highway 59, Mahnomen, MN 56557
1 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Stearns Bank Upsala N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
105 S Main St, Upsala, MN 56384
12 months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Minnesota 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
22 Central Ave S, Richmond, MN 56368
18-Month CD
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rates effective as of 06/15/2026. Expires on or before 08/16/2026.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
18 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 18 months
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
IRA/Roth IRA 18 Month+
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
18-month share certificate
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months CD
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
18 Month Fixed CD
$250
3.85%
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
201 Vance Ave S, Erskine, MN 56535
18 MONTH CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTY ON CD'S 1 YEAR AND LESS IS 3 MONTHS OF INTEREST. EARLY WITHDRAWAL PENALTY ON CD'S GREATER THAN 1 YEAR IS 6 MONTHS OF INTEREST. THIS PENALTY MAY INVADE YOUR PRINCIPAL.
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months CD
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
18 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
18 Months
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
18 Months
$0
3.61%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 18 Months
$0
3.61%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
18 Months
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
4450 W 76th St, Edina, MN 55435
Business 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
Certificates of Deposit 18 Month
$2,000
3.51%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 16, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN 56425 8554
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rates as high as
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
18 month
$0
3.46%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
18 Months
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Business 18 Month
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
106 6th St S, Walker, MN 56484
18 Months
$500
3.25%
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
Traditional & Roth IRA Certificate 18 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month IRA Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
18 Months CD
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
18-Month Term
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
18 months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
New Purchases
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
18 months New Purchases
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$100,000 and above
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
18-Month Term
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Bank Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
812 Main St Nw, Elk River, MN 55330
18 months
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
18 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
630 Main St Nw, Elk River, MN 55330
18 Months
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Includes one-time optional rate increase
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Certificate of Deposit 18 Month Term Tier 2
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Certificate of Deposit 18 Month Term Tier 4
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Certificate of Deposit 18 Month Term Tier 3
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
18 Month Certificate of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Stearns Bank Holdingford
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
580 Main St, Holdingford, MN 56340
18 months
$500
3.01%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Stearns Bank Upsala N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
105 S Main St, Upsala, MN 56384
18 months
$500
3.01%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
18 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
18 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
New Purchases
Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
18 months New Purchases
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Under $100,000
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN 55125 9201
18 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Minnesota 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
24 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 24 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month share certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Jumbo Certificate
$0
4.00%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month IRA Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Step-Up CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Variable Rate Certificate of Deposit 24 Month Term
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate: Prime minus 3.00%; Current Prime Rate 6.75% as of 12/11/2025; Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible. New money only.
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
24 Month Fixed CD
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
24 months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 2 Years
$0
3.79%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
24 Months
$0
3.75%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Business 24 Months
$0
3.75%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Minimum to Open $1,000.00
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
24 Months
$0
3.71%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
24 Months CD
$0
3.71%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
24 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 24 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
2 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
24 Months
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 24 Months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
24 Months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
24 Month Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
24 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 24 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
2 Year
$25,000
3.57%
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
Certificates of Deposit 24 Month
$2,000
3.56%
▼
Rate3.55%
Min Deposit$2,000
Min Balance—
UpdatedJul 16, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
IRA Certificates of Deposit 24 Month
$2,000
3.56%
▼
Rate3.55%
Min Deposit$2,000
Min Balance—
UpdatedJul 16, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
24 Months
$0
3.51%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
24 Months CD
$0
3.51%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
326 Us Highway 59, Mahnomen, MN 56557
2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
24 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN 56425 8554
24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rates as high as
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
24 Month CD Special
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
24 Month CD
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
24 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
24 Month CD
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Early Withdrawal Penalty: 1 year
Leading Edge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
205 N St Paul Ave, Fulda, MN 56131
24 Months
$500
3.49%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Certificate of Deposit rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates of deposit. Members have the option to open a Traditional IRA CD.
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
24-Month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
24 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 24 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1001 Highway 7, Hopkins, MN 55305
2 year
$2,500
3.40%
▼
Rate3.36%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
NOTE: Early withdrawal from certificates will be subject to a 90-day dividend penalty
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
24 month
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
24 Month CD Special
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minnesota 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
4.16%
▼
Rate4.08%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Jumbo Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 3 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 3 Years
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
36 months
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Certificate
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month IRA Certificate
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Step-Up CD
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
36 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
36 Month Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
36 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 36 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
36 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 36 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
3 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
36 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 36 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2929 20th St S, Moorhead, MN 56560
3 Year CD
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
3 Year
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
36-Month Term
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
36 Months
$500
3.54%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
36 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
36 Months CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
36 Month CD Special
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
36 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
36 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Minimum to Open $1,000.00
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN 56425 8554
36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rates as high as
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
36 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 36 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
36 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
36-Month Term
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
36 Month CD Special
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
3 Year
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Business 36 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
36-Month Term
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
36 Month CD Special
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
36 month
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
36 Month CD (Step up Rate)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
36 Month Fixed CD
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
326 Us Highway 59, Mahnomen, MN 56557
3 Year
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
36 Months CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
36 Months
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
Minnesota 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 4 Years
$0
4.09%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
48 months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 4 Years
$0
4.04%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
48 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
48 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 48 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
4 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 48 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
48 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
48 Months CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
48 Month CD Special
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2929 20th St S, Moorhead, MN 56560
4 Year CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN 56425 8554
48 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rates as high as
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 48 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
48 Months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
48 Month CD Special
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Business 48 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
48 Month CD Special
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
48 Months CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
48 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Minimum to Open $1,000.00
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
48 Months
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
106 6th St S, Walker, MN 56484
48 Months
$500
3.25%
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
48 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
630 Main St Nw, Elk River, MN 55330
48 Months
$200
3.24%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedJul 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
48 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 48 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2010 Minnesota Ave, Benson, MN 56215
4 Year
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Early Withdrawal Penalty: 5 Month's Interest
First Bank Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
812 Main St Nw, Elk River, MN 55330
4 Years
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
48 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 48 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
48 Months
$500
3.14%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.300%, Jumbo APY: 3.35%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 48 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
48 Month Fixed CD
$250
3.03%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
Minnesota 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.23%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN 55060 4301
60 months
$0
4.21%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rates may change after account opening.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 5 Years
$0
4.08%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN 55121 7707
IRA Certificates 5 Years
$0
4.03%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN 55102
60 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN 55447
60 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
60 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Plato Blvd E, Saint Paul, MN 55107
IRA 60 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
60 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
5 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
5 Year
$25,000
3.65%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
60 Month CD Special
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
60-Month Term
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
60 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
60 Months CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
60 Month CD Special
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
501 16th St SE, Rochester, MN 55904
60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
5 Year
$1,000
3.45%
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Business 60 Month
$2,500
3.45%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 60 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
60 Month CD
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
60-Month Term
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
60 Month CD Special
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
60-Month Term
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
630 Main St Nw, Elk River, MN 55330
60 Months
$200
3.29%
▼
Rate3.25%
Min Deposit$200
Min Balance—
UpdatedJul 12, 2026
Details
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1932 Viking Dr Nw, Rochester, MN 55901
60 Months
$500
3.29%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
60 Months
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Compounding: Annually
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
60 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Minimum to Open $1,000.00
United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
326 Us Highway 59, Mahnomen, MN 56557
5 Year
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
1501 Adams St, Mankato, MN 56001
60 Months CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annually
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
Regular Certificate 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
106 6th St S, Walker, MN 56484
60 Months
$500
3.25%
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
9353 Jefferson Hwy, Maple Grove, MN 55369
60 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
Traditional & Roth IRA Certificate 60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month IRA Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2010 Minnesota Ave, Benson, MN 56215
5 Year
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Early Withdrawal Penalty: 6 Month's Interest
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
60-Month Term
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
60 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 60 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.400%, Jumbo APY: 3.45%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2010 Minnesota Ave, Benson, MN 56215
5 Year - Step Up
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Early Withdrawal Penalty: 6 Month's Interest
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
5 Year CD
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Early Withdrawal Penalty: 18 month
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
Business 60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Minnesota CD Rate Trends
Compare local Minnesota CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MN Avg
2.540%
▲ 0.030 vs 7 days ago
Minnesota 12-month CD rates rose 0.030 points over the past 7 days to 2.540% APY.
6-Month CD — MN Avg
2.111%
▲ 0.017 vs 7 days ago
Minnesota 6-month CD rates rose 0.017 points over the past 7 days to 2.111% APY.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
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MN CD Rate Forecast — Next 12 Months
Where are Minnesota CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
2.540%
6-Month Forecast
2.540%
Range: 2.34% – 2.69%
12-Month Forecast
2.290%
Range: 2.09% – 2.44%
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What Your Savings Earn at MN CD Rates Today
Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.
| CD Term | MN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.423% | $71.15 | $142.29 | $355.73 | $711.45 |
| 6-Month CD | 2.111% | $105.55 | $211.10 | $527.75 | $1,055.50 |
| 12-Month CD | 2.540% | $127.00 | $254.00 | $635.00 | $1,270.00 |
| 18-Month CD | 2.887% | $144.37 | $288.74 | $721.85 | $1,443.70 |
| 24-Month CD | 2.888% | $144.40 | $288.79 | $721.98 | $1,443.95 |
| 36-Month CD | 2.782% | $139.09 | $278.17 | $695.43 | $1,390.85 |
| 48-Month CD | 2.770% | $138.49 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.760% | $138.01 | $276.01 | $690.03 | $1,380.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Minnesota Savers
$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.423% | $71.15 |
| 2 | 6-Month CD | $5,000 | 2.111% | $105.55 |
| 3 | 12-Month CD | $5,000 | 2.540% | $127.00 |
| 4 | 24-Month CD | $5,000 | 2.888% | $144.40 |
| 5 | 36-Month CD | $5,000 | 2.782% | $139.09 |
| Total ($25,000 invested) | $25,000 | 2.349% blended | $587.19/yr | |
Ladder example uses equal $5,000 rungs and Minnesota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
870
CD Rates
Tracked in Minnesota
Tracked in Minnesota
56 Banks
32 Credit Unions
About Our Minnesota CD Rate Database
MonitorBankRates tracks 870 CD rates from 56 banks and 32 credit unions with locations in Minnesota, plus national online institutions available to Minnesota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Metropolitan Services Credit Union offers a CD at 8.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Minnesota.
How to Find the Best CD Rates in Minnesota
What to compare when shopping for a CD in Minnesota
To find the best APYs in Minnesota, start with credit unions and online-only banks — Minnesota has 32 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Minnesota
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Minnesota — 88 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Minnesota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Minnesota money market rates
Minnesota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$50,838
National avg: $47,340
Poverty Rate
9.3%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$129/yr
At MN 12-mo avg 2.540% APY
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s MN 12-month CD average of 2.540%, saving 10% of the local median salary ($5,083/year) and putting it in a CD would earn an additional $129 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Minnesota
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Minnesota
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Minnesota typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Minnesota as everywhere in the U.S.
Choosing a CD Term in Minnesota
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Minnesota savers easier access to their funds. For example, Metropolitan Services Credit Union is offering its 6 Month NEW Youth CD at 8.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, My Credit Union Bloomington, MN is offering its Share & IRA Certificates - 60 Months at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Minnesota Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Minnesota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Minnesota
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Minnesota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Minnesota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Minnesota depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Minnesota
Are CD rates in Minnesota FDIC insured?
Yes, most established banks in Minnesota are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Minnesota?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Minnesota.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Minnesota may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Minnesota?
Here are recent top rates found for this area:
- Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
- PSB of Plainview: 4.63% APY (12 Months)
- Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
- My Credit Union Bloomington, MN: 4.25% APY (Share & IRA Certificates - 60 Months)
- Federated Employees Credit Union: 4.21% APY (60 months)
- Heritage Bank Minnesota: 4.16% APY (3 Month Fixed CD)
- Brainerd BN Credit Union: 4.16% APY (6-month share certificate)
- Falcon National Bank: 4.15% APY (18-Month CD)
- Toro Employees Federal Credit Union: 4.10% APY (36 month Jumbo Certificate)
- Genisys Credit Union: 4.09% APY (Jumbo and Jumbo IRA Certificates 4 Years)
Rates reflect recent verified offers available in Minnesota. Last Updated: July 25, 2026
CD Calculators for Minnesota
Minnesota CD Calculator
At today’s MN top rate of 8.00% APY, a $10,000 deposit earns $800 in the first year. Enter your amount to see your exact return.
Minnesota CD LadderMN CD rates currently range from 1.423% (3-month) to 2.782% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Minnesota CD at 8.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMinnesota’s average 12-month CD is 2.540% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Minnesota CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Minnesota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Minnesota. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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