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CD Rate Trends

Bloomington, Minnesota Best CD Rates November 2026

Bloomington, Minnesota CD rates range from 0.02% to 8.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Bloomington, Minnesota CD rates include My Credit Union Bloomington, MNMy Credit Union Bloomington, MN4025 W Old Shakopee Rd, Bloomington, MN 55437A5.0 ★Texas Ratio: 10.33%Real return: +0.79%APY minus CPIRate verified Nov 8, 2026 offering Share & IRA Certificates - 60 Months at 4.49% APY, Security Bank & Trust Company MNSecurity Bank & Trust Company MN7101 West 78th Street, Bloomington, MN 55420A+5.0 ★Texas Ratio: 2.36%Real return: +0.62%APY minus CPIRate verified Nov 5, 2026 offering 15 Month HSA CD (renews to 12 month) at 4.32% APY, Toro Employees Federal Credit UnionToro Employees Federal Credit Union8111 Lyndale Ave S, Bloomington, MN 55420A+5.0 ★Texas Ratio: 2.72%Real return: +0.55%APY minus CPIRate verified Nov 7, 2026 offering 36 Month Jumbo Certificate at 4.25% APY, TruStone Financial Credit UnionTruStone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%Real return: +0.55%APY minus CPIRate verified Nov 9, 2026 offering 12 Month Certificate at 4.25% APY, and TopLine Financial Credit UnionTopLine Financial Credit Union900 American Blvd W, Bloomington, MN 55420A5.0 ★Texas Ratio: 6.54%Real return: +0.55%APY minus CPIRate verified Nov 9, 2026 offering Certificate Specials - 12 Month at 4.25% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.

Bloomington has 136 local institutions in our database, with CD rates as high as 4.49% APY from My Credit Union Bloomington, MN at 4025 W Old Shakopee Rd, Bloomington, MN 55437. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Minnesota area. Rates are continually updated, so 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: November 12, 2026

Compare Best CD Rates in Bloomington, Minnesota & the Surrounding Area

Bloomington 3 Month CD Rates

Minnesota 3 Month CD Average2.19% APYNational 2.15%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
3 Month Share Certificate
$1,000
4.00% ▲ 1.81% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▲ 1.81% above avgNationally 2.15%
Details

Balance: $1,000 - $9,999; $1,000 minimum opening balance

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.85% ▲ 1.66% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.66% above avgNationally 2.15%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.80% ▲ 1.61% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.61% above avgNationally 2.15%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
3 Month Share Certificate
$1,000
3.70% ▲ 1.51% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▲ 1.51% above avgNationally 2.15%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70%
  • Oct 19, 20263.70%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9741 Lyndale Ave S, Bloomington, MN 55420
3 Month Certificate
$1,000
3.50% ▲ 1.31% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.19%▲ 1.31% above avgNationally 2.15%
Details

Certificate Rates - Effective Saturday, November 7, 2026

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 5 times
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
3 Month Certificate
$0
1.50% ▼ 0.69% below Minnesota avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 0.69% below avgNationally 2.15%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 11 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7900 Xerxes Ave S, Bloomington, MN 55431
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.13% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.13% below avgNationally 2.15%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7900 Xerxes Ave S, Bloomington, MN 55431
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.14% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.14% below Minnesota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
3 Month Standard CD
$1,000
0.05% ▼ 2.14% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7760 France Ave S, Bloomington, MN 55435
3 month CD
$1,000
0.02% ▼ 2.17% below Minnesota avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.17% below avgNationally 2.15%
Details

Rate History
No change since Oct 22, 2026 · 0.02% APY · checked 5 times
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16% ▲ 1.97% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average2.19%▲ 1.97% above avgNationally 2.15%
Details

Early withdrawal penalty: 91 Days Interest (minimum $25)

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 11 times
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Month Special Share Certificate
$500
4.15% ▲ 1.96% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.19%▲ 1.96% above avgNationally 2.15%
Details

Special rate for new certificates only; does not apply to renewals; renews to 6-month term at maturity

Rate History
No change since Oct 29, 2026 · 4.15% APY · checked 3 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
3 Month Standard CD
$500
4.06% ▲ 1.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.87% above avgNationally 2.15%
Details

Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal

Rate History
No change since Nov 5, 2026 · 4.06% APY · checked 2 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Business CD - 3 months
$500
4.06% ▲ 1.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.87% above avgNationally 2.15%
Details

Minimum opening balance on all terms: $500; Minimum balance to obtain APY: $500; Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal

Rate History
No change since Nov 5, 2026 · 4.06% APY · checked 2 times

Bloomington 6 Month CD Rates

Minnesota 6 Month CD Average2.91% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
6 Month Jumbo Certificate
$25,000
4.00% ▲ 1.09% above Minnesota avg
▼
Rate3.95%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
  • Nov 3, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
6 Month Certificate
$0
4.00% ▲ 1.09% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
6 Month Share Certificate
$1,000
4.00% ▲ 1.09% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 minimum opening balance

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
6 Month Certificate
$500
3.85% ▲ 0.94% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.91%▲ 0.94% above avgNationally 2.81%
Details

One time NO PENALTY withdrawal

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
  • Nov 3, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.84% ▲ 0.93% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▲ 0.93% above avgNationally 2.81%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.84% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.79% ▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▲ 0.88% above avgNationally 2.81%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
6 Month Share Certificate
$1,000
3.70% ▲ 0.79% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 0.79% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70%
  • Oct 19, 20263.70%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9741 Lyndale Ave S, Bloomington, MN 55420
6 Month Certificate
$1,000
3.25% ▲ 0.34% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.91%▲ 0.34% above avgNationally 2.81%
Details

Certificate Rates - Effective Saturday, November 7, 2026

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 5 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 6 Months
$0
1.11% ▼ 1.80% below Minnesota avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.91%▼ 1.80% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.11% ▲ 0.11 pts · high 1.11% / low 1.00%
  • Oct 9, 20261.11%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 6 Months
$0
1.06% ▼ 1.85% below Minnesota avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.91%▼ 1.85% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 0.97% → 1.06% ▲ 0.09 pts · high 1.06% / low 0.97%
  • Oct 9, 20261.06%▲ from 0.97%
  • Sep 14, 20260.97%first recorded
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7760 France Ave S, Bloomington, MN 55435
6 month CD
$1,000
1.00% ▼ 1.91% below Minnesota avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 1.91% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 5 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 6 Months
$0
1.00% ▼ 1.91% below Minnesota avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.91%▼ 1.91% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 0.95% → 1.00% ▲ 0.05 pts · high 1.00% / low 0.95%
  • Oct 9, 20261.00%▲ from 0.95%
  • Sep 14, 20260.95%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7900 Xerxes Ave S, Bloomington, MN 55431
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.85% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 2.85% below avgNationally 2.81%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7900 Xerxes Ave S, Bloomington, MN 55431
6 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.86% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 2.86% below avgNationally 2.81%
Details

Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.86% below Minnesota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▼ 2.86% below avgNationally 2.81%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times

Bloomington 12 Month CD Rates

Minnesota 12 Month CD Average3.09% APYNational 3.03%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
15 Month HSA CD (renews to 12 month)
$10,000
4.32% ▲ 1.23% above Minnesota avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▲ 1.23% above avgNationally 3.03%
Details

Health savings account CD; renews to 12 month term; interest compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.32% APY · checked 3 times
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
12 Month Certificate
$0
4.25% ▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.03%
Details

Moneywise Available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
  • Oct 26, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Certificate Specials - 12 Month
$1,000
4.25% ▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.03%
Details

Balance: $1,000 and over; $1,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 6 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
12 Month Jumbo Certificate
$25,000
4.10% ▲ 1.01% above Minnesota avg
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.09%▲ 1.01% above avgNationally 3.03%
Details

Jumbo Certificate

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
  • Nov 3, 20264.10%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
12 Month Share Certificate
$1,000
4.00% ▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.03%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
12 Month Certificate
$500
3.90% ▲ 0.81% above Minnesota avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.09%▲ 0.81% above avgNationally 3.03%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
  • Nov 3, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
12 Month IRA Certificate
$500
3.90% ▲ 0.81% above Minnesota avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.09%▲ 0.81% above avgNationally 3.03%
Details

Traditional, Roth, or Educational IRA

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
  • Nov 3, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.80% ▲ 0.71% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▲ 0.71% above avgNationally 3.03%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
1 year HSA CD
$10,000
3.80% ▲ 0.71% above Minnesota avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▲ 0.71% above avgNationally 3.03%
Details

Health savings account CD; interest compounded and credited quarterly

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 6 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
1 year IRA CD
$0
3.80% ▲ 0.71% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▲ 0.71% above avgNationally 3.03%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
Certificates of Deposit - 1 Year
$0
3.80% ▲ 0.71% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▲ 0.71% above avgNationally 3.03%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.75% ▲ 0.66% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▲ 0.66% above avgNationally 3.03%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9741 Lyndale Ave S, Bloomington, MN 55420
12 Month Certificate
$1,000
3.00% ▼ 0.09% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.09%▼ 0.09% below avgNationally 3.03%
Details

Certificate Rates - Effective Saturday, November 7, 2026

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 12 Months
$1,000
3.00% ▼ 0.09% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▼ 0.09% below avgNationally 3.03%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
1 year IRA CD
$1,000
2.02% ▼ 1.07% below Minnesota avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▼ 1.07% below avgNationally 3.03%
Details

Balance: Qualifying balance up to $9,999.99

Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 3 times

Bloomington 18 Month CD Rates

Minnesota 18 Month CD Average3.16% APYNational 2.94%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
18 Month Share Certificate
$1,000
4.00% ▲ 0.84% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▲ 0.84% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 18 Month CD
$500
3.84% ▲ 0.68% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 0.68% above avgNationally 2.94%
Details

Balance: $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Oct 20, 2026 · 3.84% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 18 Month CD
$500
3.79% ▲ 0.63% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 0.63% above avgNationally 2.94%
Details

Balance: $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 18 Months
$1,000
3.00% ▼ 0.16% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 0.16% below avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
5270 W 84th St, Bloomington, MN 55437
18 Month Certificate
$1,000
1.15% ▼ 2.01% below Minnesota avg
▼
Rate1.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.16%▼ 2.01% below avgNationally 2.94%
Details

Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 9 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500

Rate History
No change since Oct 14, 2026 · 1.15% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.41% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 2.41% below avgNationally 2.94%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
18 Month Standard CD
$1,000
0.75% ▼ 2.41% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 2.41% below avgNationally 2.94%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7760 France Ave S, Bloomington, MN 55435
18 month CD
$1,000
0.03% ▼ 3.13% below Minnesota avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▼ 3.13% below avgNationally 2.94%
Details

Rate History
No change since Oct 22, 2026 · 0.03% APY · checked 5 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$1,000
4.37% ▲ 1.21% above Minnesota avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.16%▲ 1.21% above avgNationally 2.94%
Details

Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
  • Oct 9, 20264.37%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18-Month CD
$500
4.35% ▲ 1.19% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.19% above avgNationally 2.94%
Details

Current CD Special; $500 minimum opening deposit required to obtain APY; Rates effective as of 09/24/2026; Expires on or before 11/15/2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month Basic Certificate
$0
4.35% ▲ 1.19% above Minnesota avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.16%▲ 1.19% above avgNationally 2.94%
Details

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 6 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Relationship CD
$2,500
4.30% ▲ 1.14% above Minnesota avg
▼
Rate4.23%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.14% above avgNationally 2.94%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
  • Nov 5, 20264.30%▲ from 4.25%
  • Oct 14, 20264.25%first recorded
Peoples Bank Rock Valley, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18-Month CD Special
$2,500
4.25% ▲ 1.09% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

APY accurate as of 10/19/2026; Rate subject to change without notice; Early withdrawal penalties may apply

Rate History
No change since Oct 28, 2026 · 4.25% APY · checked 4 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 18 Month
$1,000
4.25% ▲ 1.09% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 5 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - Jumbo 18 Month
$0
4.25% ▲ 1.09% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply

Rate History
No change since Nov 3, 2026 · 4.25% APY · checked 2 times

Bloomington 24 Month CD Rates

Minnesota 24 Month CD Average3.10% APYNational 2.94%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Certificate Specials - 24 Month
$1,000
4.25% ▲ 1.15% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 1.15% above avgNationally 2.94%
Details

Balance: $1,000 and over; $1,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 6 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Jumbo Certificate
$25,000
4.15% ▲ 1.05% above Minnesota avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.10%▲ 1.05% above avgNationally 2.94%
Details

Jumbo Certificate

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
  • Nov 3, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Certificate
$500
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
  • Nov 3, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month IRA Certificate
$500
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Traditional, Roth, or Educational IRA

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
  • Nov 3, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Step-Up CD
$1,000
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Step-Up Certificate

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
  • Nov 3, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
24 Month Certificate
$0
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
24 Month Share Certificate
$1,000
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 24 Months
$0
3.92% ▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.10%▲ 0.82% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.92% ▲ 0.41 pts · high 3.92% / low 3.51%
  • Oct 9, 20263.92%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 24 Months
$0
3.87% ▲ 0.77% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.10%▲ 0.77% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
  • Oct 9, 20263.87%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 70.30%
8100 Highwood Dr, Bloomington, MN 55438
IRA CD Special - 24 Month IRA CD
$2,500
3.85% ▲ 0.75% above Minnesota avg
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.10%▲ 0.75% above avgNationally 2.94%
Details

Interest credited quarterly; automatically renews at maturity for 24 months; early withdrawal fees may apply; offer effective April 28, 2026; offer valid for a limited time

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 5 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 24 Months
$0
3.82% ▲ 0.72% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.10%▲ 0.72% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
  • Oct 9, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.80% ▲ 0.70% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▲ 0.70% above avgNationally 2.94%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.75% ▲ 0.65% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▲ 0.65% above avgNationally 2.94%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 24 Months
$1,000
3.00% ▼ 0.10% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▼ 0.10% below avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
2 year HSA CD
$10,000
2.78% ▼ 0.32% below Minnesota avg
▼
Rate2.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.10%▼ 0.32% below avgNationally 2.94%
Details

Health savings account CD; interest compounded and credited quarterly

Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 6 times

Bloomington 36 Month CD Rates

Minnesota 36 Month CD Average2.94% APYNational 2.84%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Jumbo Certificate
$25,000
4.25% ▲ 1.32% above Minnesota avg
▼
Rate4.19%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.32% above avgNationally 2.84%
Details

Jumbo Certificate

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
  • Nov 3, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Certificate
$500
4.10% ▲ 1.16% above Minnesota avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.16% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
  • Nov 3, 20264.10%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month IRA Certificate
$500
4.10% ▲ 1.16% above Minnesota avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.16% above avgNationally 2.84%
Details

Traditional, Roth, or Educational IRA

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
  • Nov 3, 20264.10%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Step-Up CD
$1,000
4.10% ▲ 1.16% above Minnesota avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.16% above avgNationally 2.84%
Details

Step-Up Certificate

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
  • Nov 3, 20264.10%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
36 Month Certificate
$0
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 1.07% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
36 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 1.07% above avgNationally 2.84%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
3.98% ▲ 1.05% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 1.05% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 3.98% ▲ 0.31 pts · high 3.98% / low 3.67%
  • Oct 9, 20263.98%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
3.93% ▲ 1.00% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 1.00% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.93% ▲ 0.37 pts · high 3.93% / low 3.56%
  • Oct 9, 20263.93%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$0
3.88% ▲ 0.94% above Minnesota avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 0.94% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.88% ▲ 0.42 pts · high 3.88% / low 3.46%
  • Oct 9, 20263.88%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.80% ▲ 0.86% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▲ 0.86% above avgNationally 2.84%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.75% ▲ 0.82% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▲ 0.82% above avgNationally 2.84%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 36 Months
$1,000
3.50% ▲ 0.57% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 0.57% above avgNationally 2.84%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
3 year HSA CD
$10,000
2.52% ▼ 0.42% below Minnesota avg
▼
Rate2.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average2.94%▼ 0.42% below avgNationally 2.84%
Details

Health savings account CD; interest compounded and credited quarterly

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 6 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
3 year IRA CD
$0
2.52% ▼ 0.42% below Minnesota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average2.94%▼ 0.42% below avgNationally 2.84%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
Certificates of Deposit - 3 Year
$0
2.52% ▼ 0.42% below Minnesota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average2.94%▼ 0.42% below avgNationally 2.84%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 5 times

Bloomington 48 Month CD Rates

Minnesota 48 Month CD Average2.93% APYNational 2.83%▼ 0.01% from last week
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: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$0
4.33% ▲ 1.40% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.40% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
  • Oct 9, 20264.33%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$0
4.28% ▲ 1.35% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.35% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
  • Oct 9, 20264.28%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$0
4.23% ▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.30% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
  • Oct 9, 20264.23%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
48 Month Certificate
$0
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
48 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.83%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 48 Months
$1,000
3.50% ▲ 0.57% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 0.57% above avgNationally 2.83%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9741 Lyndale Ave S, Bloomington, MN 55420
48 Month Certificate
$1,000
2.00% ▼ 0.93% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.93%▼ 0.93% below avgNationally 2.83%
Details

Certificate Rates - Effective Saturday, November 7, 2026

Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
5270 W 84th St, Bloomington, MN 55437
48 Month Certificate
$1,000
1.25% ▼ 1.68% below Minnesota avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average2.93%▼ 1.68% below avgNationally 2.83%
Details

Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 24 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.18% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▼ 2.18% below avgNationally 2.83%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9320 Ensign Ave S, Bloomington, MN 55438
48 Month Standard CD
$1,000
0.75% ▼ 2.18% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▼ 2.18% below avgNationally 2.83%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7760 France Ave S, Bloomington, MN 55435
48 month CD
$1,000
0.05% ▼ 2.88% below Minnesota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▼ 2.88% below avgNationally 2.83%
Details

Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.86% ▲ 1.93% above Minnesota avg
▼
Rate4.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.93% above avgNationally 2.83%
Details

Balance: $75,000 - $199,999.99; Compounded Semi-Annually

Rate History
1 change since Oct 14, 2026 · 4.55% → 4.86% ▲ 0.31 pts · high 4.86% / low 4.55%
  • Oct 20, 20264.86%▲ from 4.55%
  • Oct 14, 20264.55%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Relationship CD
$2,500
4.55% ▲ 1.62% above Minnesota avg
▼
Rate4.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.62% above avgNationally 2.83%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.70% → 4.55% ▼ 0.15 pts · high 4.70% / low 4.55%
  • Nov 5, 20264.55%▼ from 4.70%
  • Oct 14, 20264.70%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.35% ▲ 1.42% above Minnesota avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.83%
Details

Balance: $25,000 - $74,999.99; Compounded Semi-Annually

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.35% ▲ 0.31 pts · high 4.35% / low 4.04%
  • Oct 20, 20264.35%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
48-month Share Certificate
$1,000
4.35% ▲ 1.42% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.83%
Details

Interest paid quarterly; Effective October 26, 2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
  • Oct 29, 20264.35%▲ from 3.80%
  • Sep 14, 20263.80%first recorded

Bloomington 60 Month CD Rates

Minnesota 60 Month CD Average3.04% APYNational 2.94%▼ 0.01% from last week
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: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.49% ▲ 1.45% above Minnesota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.45% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
  • Oct 9, 20264.49%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.44% ▲ 1.40% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.40% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
  • Oct 9, 20264.44%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$0
4.39% ▲ 1.35% above Minnesota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.35% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
  • Oct 9, 20264.39%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2772 E 82nd St, Bloomington, MN 55425 1365
60 Month Certificate
$0
4.00% ▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
60 Month Share Certificate
$1,000
4.00% ▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.80% ▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.94%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3800 American Blvd W, Bloomington, MN 55431
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.75% ▲ 0.71% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.94%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
900 American Blvd W, Bloomington, MN 55420
Share Certificate - 60 Months
$1,000
3.50% ▲ 0.46% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.46% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
5 year HSA CD
$10,000
2.52% ▼ 0.52% below Minnesota avg
▼
Rate2.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 0.52% below avgNationally 2.94%
Details

Health savings account CD; interest compounded and credited quarterly

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 6 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
5 year IRA CD
$0
2.52% ▼ 0.52% below Minnesota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 0.52% below avgNationally 2.94%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
Certificates of Deposit - 5 Year
$0
2.52% ▼ 0.52% below Minnesota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 0.52% below avgNationally 2.94%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 5 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
5 year IRA CD
$1,000
2.02% ▼ 1.02% below Minnesota avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 1.02% below avgNationally 2.94%
Details

Balance: Qualifying balance up to $9,999.99

Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 3 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
7101 West 78th Street, Bloomington, MN 55420
Certificates of Deposit - 5 Year
$1,000
2.02% ▼ 1.02% below Minnesota avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 1.02% below avgNationally 2.94%
Details

Balance: $0.00 - $9,999.99

Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 3 times
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9741 Lyndale Ave S, Bloomington, MN 55420
60 Month Certificate
$1,000
2.00% ▼ 1.04% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.04%▼ 1.04% below avgNationally 2.94%
Details

Certificate Rates - Effective Saturday, November 7, 2026

Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
5270 W 84th St, Bloomington, MN 55437
60 Month Certificate
$1,000
1.25% ▼ 1.79% below Minnesota avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.04%▼ 1.79% below avgNationally 2.94%
Details

Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 30 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
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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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Bloomington, Minnesota Institutions

Highest verified APYs available today, updated November 12, 2026

B Top 5 Bank Rates
Security Bank & Trust Company MN
15 Month HSA CD (renews to 12 month)
A+ 5.0 ★ TX: 2.36%
Min: $10,000
4.32%
Bell Bank
Certificate of Deposit - 3 Month (91 Day) CD
A+ 5.0 ★ TX: 3.66%
Min: $500
3.85%
Unity Bank Augusta, WI
IRA CD Special - 24 Month IRA CD
F 1.0 ★ TX: 70.30%
Min: $2,500
3.85%
Wells Fargo
1 Year Standard Fixed Rate CD - Relationship
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Highland Bank
12 Month Certificate
C+ 4.1 ★ TX: 26.29%
Min: $1,000
1.40%
CU Top 5 Credit Union Rates
My Credit Union Bloomington, MN
Share & IRA Certificates - 60 Months
A 5.0 ★ TX: 10.33%
Min: $0
4.49%
Toro Employees Federal Credit Union
36 Month Jumbo Certificate
A+ 5.0 ★ TX: 2.72%
Min: $25,000
4.25%
TruStone Financial Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 4.56%
Min: $0
4.25%
TopLine Financial Credit Union
Certificate Specials - 12 Month
A 5.0 ★ TX: 6.54%
Min: $1,000
4.25%
Building Trades Federal Credit Union
3 Month Certificate
A+ 5.0 ★ TX: 1.58%
Min: $1,000
3.50%
Rates verified November 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Bloomington, MN CD Rate Trends

Compare local Bloomington, MN 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.

View Full Minnesota CD Trends
12-Month CD MN Avg
3.091%
▼ 0.001 vs 7 days ago

Minnesota 12-month CD rates fell 0.001 points over the past 7 days to 3.091% APY.

6-Month CD MN Avg
2.914%
▲ 0.005 vs 7 days ago

Minnesota 6-month CD rates rose 0.005 points over the past 7 days to 2.914% APY.

As of Nov 12, 2026 • Rate data sourced from 8,500+ monitored institutions

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through November 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MN 12-Month Avg APY
3.091%
6-Month Forecast
3.091%
Range: 2.89%, 3.24%
12-Month Forecast
3.341%
Range: 3.14%, 3.49%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Minnesota average 12-month CD APY in our database.

Spread model: The Minnesota 12-month CD average currently trades 1.28% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.193% $109.66 $219.33 $548.32 $1,096.65
6-Month CD 2.914% $145.71 $291.42 $728.55 $1,457.10
12-Month CD 3.091% $154.54 $309.07 $772.68 $1,545.35
18-Month CD 3.162% $158.10 $316.20 $790.50 $1,581.00
24-Month CD 3.099% $154.96 $309.92 $774.80 $1,549.60
36-Month CD 2.935% $146.75 $293.50 $733.75 $1,467.50
48-Month CD 2.933% $146.65 $293.30 $733.25 $1,466.50
60-Month CD 3.041% $152.06 $304.12 $760.30 $1,520.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026.
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Sample CD Ladder for Bloomington, 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.

Build Your Ladder
Rung Term Deposit MN Avg APY Annual Earnings
1 3-Month CD $5,000 2.193% $109.66
2 6-Month CD $5,000 2.914% $145.71
3 12-Month CD $5,000 3.091% $154.54
4 24-Month CD $5,000 3.099% $154.96
5 36-Month CD $5,000 2.935% $146.75
Total ($25,000 invested) $25,000 2.846% blended $711.62/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.

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1,752
CD Rates
Tracked in Bloomington, Minnesota
71 Banks 38 Credit Unions

About Our Bloomington, Minnesota CD Rate Database

MonitorBankRates tracks 1,752 CD rates from 71 banks and 38 credit unions with locations in Bloomington, 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 to 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: My Credit Union Bloomington, MN offers a CD at 4.49% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bloomington, Minnesota.

How to Find the Best CD Rates in Bloomington, Minnesota

What to compare when shopping for a CD in Bloomington, Minnesota

To find the best APYs in Bloomington, Minnesota, start with credit unions and online-only banks: Bloomington, Minnesota has 38 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 Bloomington, 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 Bloomington, Minnesota: 109 institutions here report CD rates

Consider an Alternative If…

Bloomington, Minnesota Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
20.6%
National avg: 17.3%
Median Individual Earnings
$49,872
National avg: $47,340
Poverty Rate
9.2%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$154/yr
At MN 12-mo avg 3.091% APY

20.6% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s MN 12-month CD average of 3.091%, saving 10% of the local median salary ($4,987/year) and putting it in a CD would earn an additional $154 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 Bloomington, 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 to 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

CD Product Information

How CDs Work

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 Bloomington, 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 Bloomington, Minnesota as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Bloomington, Minnesota savers easier access to their funds. For example, Toro Employees Federal Credit Union is offering its 6 Month Jumbo Certificate at 4.00% 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 4.49% 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

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 Bloomington, 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

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 Bloomington, 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

Most CDs carry a fixed rate that is locked for the entire term, protecting a Bloomington, 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 Bloomington, Minnesota

What are CD rates in Bloomington, Minnesota today?

Bloomington, Minnesota CD rates range from 0.02% to 8.00% APY as of November 12, 2026, verified by MonitorBankRates. Top rates include 4.49% APY at My Credit Union Bloomington, MN (Share & IRA Certificates - 60 Months), 4.32% at Security Bank & Trust Company MN (15 Month HSA CD (renews to 12 month)) and 4.25% at Toro Employees Federal Credit Union (36 Month Jumbo Certificate), compared with the MonitorBankRates national 12 month average of 3.03% APY.

Are CD rates in Bloomington, Minnesota FDIC insured?

Yes, most established banks in Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, Minnesota?

Here are recent top rates found for this area:
  • My Credit Union Bloomington, MN: 4.49% APY (Share & IRA Certificates - 60 Months)
  • Security Bank & Trust Company MN: 4.32% APY (15 Month HSA CD (renews to 12 month))
  • Toro Employees Federal Credit Union: 4.25% APY (36 Month Jumbo Certificate)
  • TruStone Financial Credit Union: 4.25% APY (12 Month Certificate)
  • TopLine Financial Credit Union: 4.25% APY (Certificate Specials - 12 Month)
  • Bell Bank: 3.85% APY (Certificate of Deposit - 3 Month (91 Day) CD)
  • Unity Bank Augusta, WI: 3.85% APY (IRA CD Special - 24 Month IRA CD)
  • Building Trades Federal Credit Union: 3.50% APY (3 Month Certificate)
  • Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
  • Highland Bank: 1.40% APY (12 Month Certificate)
Rates reflect recent verified offers available in Bloomington, Minnesota. Last Updated: November 12, 2026

Bloomington, Minnesota CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Bloomington, Minnesota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Bloomington, Minnesota CD Rates by Term

Verified November 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Bloomington, Minnesota. Averages shown use the Minnesota state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bloomington, 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 Bloomington, 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 Bloomington, 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: November 12, 2026

Bloomington, Minnesota Rates & Resources