Duluth, Minnesota Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Duluth, Minnesota CD rates range from 0.05% to 8.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Duluth, Minnesota CD rates include Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1820 Maple Grove Rd, Duluth, MN 55811 1811A+5.0 ★Texas Ratio: 4.41%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Basic Certificate at 4.50% APY, North Shore Bank of CommerceNorth Shore Bank of Commerce131 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 1.35%Real return: +0.47%APY minus CPIRate verified Oct 22, 2026 offering 18 Month CD Special at 4.17% APY, Centricity Credit UnionCentricity Credit Union2501 London Rd, Duluth, MN 55812A+5.0 ★Texas Ratio: 3.95%Real return: +0.30%APY minus CPIRate verified Oct 22, 2026 offering 24 Month Share Certificate Special at 4.00% APY, Bell BankBell Bank201 E Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus CPIRate verified Oct 20, 2026 offering Certificate of Deposit - 3 Month (91 Day) CD at 3.85% APY, and Northern Communities Credit UnionNorthern Communities Credit Union3311 W Arrowhead Rd, Duluth, MN 55811 4065A5.0 ★Texas Ratio: 13.04%Real return: +0.10%APY minus CPIRate verified Oct 19, 2026 offering 48-month Share Certificate at 3.80% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Duluth has 187 local institutions in our database, with CD rates as high as 4.50% APY from Affinity Plus Federal Credit Union at 1820 Maple Grove Rd, Duluth, MN 55811 1811. 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: October 23, 2026
Compare Best CD Rates in Duluth, Minnesota & the Surrounding Area
Duluth 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.85%
▲ 1.71% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.71% above avgNationally 2.13%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 14, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.80%
▲ 1.66% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.66% above avgNationally 2.13%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 14, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
3 Month Basic Certificate
$0
3.75%
▲ 1.61% above Minnesota avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.14%▲ 1.61% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90%
▲ 0.76% above Minnesota avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.76% above avgNationally 2.13%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Basic 3 Month Share Certificate
$0
1.25%
▼ 0.89% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▼ 0.89% below avgNationally 2.13%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 1.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Product Basic 3 Month Share Certificate
$0
1.25%
▼ 0.89% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▼ 0.89% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 1.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.54% below Minnesota avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▼ 1.54% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.64% below Minnesota avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▼ 1.64% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 3 months
$500
0.30%
▼ 1.84% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▼ 1.84% below avgNationally 2.13%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 0.30% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.08% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▼ 2.08% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.09% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▼ 2.09% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16%
▲ 2.02% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 2.02% above avgNationally 2.13%
Details
Early withdrawal penalty: 91 Days Interest (minimum $25)
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 8 times
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Share Certificate - 3-Month Special
$500
4.15%
▲ 2.01% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.14%▲ 2.01% above avgNationally 2.13%
Details
Special rate for new certificates only; does not apply to renewals. At maturity renews to a 6-month term. Rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Share Certificate 3-Month Special
$0
4.15%
▲ 2.01% above Minnesota avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.14%▲ 2.01% above avgNationally 2.13%
Details
Share Certificate Rates ($10,000.00 minimum); Rates effective September 21, 2026; Special rate for new certificates only, does not apply to renewals; 3-month certificate renews to a 6-month term
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Share Certificate
$1,000
4.00%
▲ 1.86% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▲ 1.86% above avgNationally 2.13%
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
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.91%
▲ 1.77% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.77% above avgNationally 2.13%
Details
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.91% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
3 Month Business CDs
$500
3.90%
▲ 1.76% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.76% above avgNationally 2.13%
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 Oct 22, 2026 · 3.90% APY
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
3 Month Stearns Salaam CD
$500
3.90%
▲ 1.76% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.76% above avgNationally 2.13%
Details
Expected Profit Rate 3.85%; Expected Annual % Yield 3.90%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Standard CD - 3 months
$500
3.90%
▲ 1.76% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.76% above avgNationally 2.13%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.90% APY
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.71% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.71% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.85%
▲ 1.71% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.71% above avgNationally 2.13%
Details
Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 4 times
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.80%
▲ 1.66% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.66% above avgNationally 2.13%
Details
Balance: $100,000+; Early withdrawal penalty may be imposed
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 4 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 3 Month
$1,000
3.76%
▲ 1.62% above Minnesota avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.62% above avgNationally 2.13%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50%
- Sep 27, 20263.76%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Term Share Certificates
$1,000
3.75%
▲ 1.61% above Minnesota avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▲ 1.61% above avgNationally 2.13%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 3.59% → 3.75% ▲ 0.16 pts · high 3.75% / low 3.59%
- Oct 13, 20263.75%▲ from 3.59%
- Sep 18, 20263.59%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.70%
▲ 1.56% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.56% above avgNationally 2.13%
Details
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 4 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Share Certificate
$1,000
3.70%
▲ 1.56% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▲ 1.56% above avgNationally 2.13%
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
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Certificates of Deposit (C.D.) - Compounded Quarterly - 3 Month C.D.
$1,000
3.60%
▲ 1.46% above Minnesota avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.46% above avgNationally 2.13%
Details
Balance: $0.01 to $24,999.99; Compounded Quarterly
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.60%
▲ 1.46% above Minnesota avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.46% above avgNationally 2.13%
Details
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 4 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.55%
▲ 1.41% above Minnesota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.41% above avgNationally 2.13%
Details
Balance: $50,000.00-$99,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 4 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.55%
▲ 1.41% above Minnesota avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.41% above avgNationally 2.13%
Details
Interest on terms of 12 months or less not compounded, paid at maturity; Rates effective as of 10/15/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.50%
▲ 1.36% above Minnesota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.36% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 MONTH CERTIFICATE
$1,000
3.50%
▲ 1.36% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.14%▲ 1.36% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.26% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.26% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Relationship CD - 3 Month
$0
3.40%
▲ 1.26% above Minnesota avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.26% above avgNationally 2.13%
Details
Relationship CD; eligibility: Gate City Bank checking account
Rate History
No change since Oct 21, 2026 · 3.40% APY · checked 2 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$50,000
3.35%
▲ 1.21% above Minnesota avg
▼
Rate3.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.21% above avgNationally 2.13%
Details
Interest Paid: Maturity; Open Online
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.29%
▲ 1.15% above Minnesota avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 1.15% above avgNationally 2.13%
Details
Balance: $1,000-$49,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 4 times
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Certificate of Deposit - 3 Months
$0
3.25%
▲ 1.11% above Minnesota avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.11% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$250
3.25%
▲ 1.11% above Minnesota avg
▼
Rate3.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 1.11% above avgNationally 2.13%
Details
Interest Paid: Maturity; Open Online
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 3 Month
$0
3.15%
▲ 1.01% above Minnesota avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.14%▲ 1.01% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$2,500
3.05%
▲ 0.91% above Minnesota avg
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.91% above avgNationally 2.13%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Regular CD
$500
3.00%
▲ 0.86% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.14%▲ 0.86% above avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
3 Month Regular & IRA Certificate
$0
3.00%
▲ 0.86% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.14%▲ 0.86% above avgNationally 2.13%
Details
Balance: $500.00 - $24,999.99; Effective Date: October 18, 2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.93%
▲ 0.79% above Minnesota avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.79% above avgNationally 2.13%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.93% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.83%
▲ 0.69% above Minnesota avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.69% above avgNationally 2.13%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.83% APY
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
Certificate of Deposit - 3 Months Relationship
$1,000
2.75%
▲ 0.61% above Minnesota avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.61% above avgNationally 2.13%
Details
Relationship Rate; Requires relationship balance of $50,000 or more
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 3 Month
$2,500
2.75%
▲ 0.61% above Minnesota avg
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.61% above avgNationally 2.13%
Details
Minimum $2500 to open
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.73%
▲ 0.59% above Minnesota avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.59% above avgNationally 2.13%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.73% APY
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
2.67%
▲ 0.53% above Minnesota avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.53% above avgNationally 2.13%
Details
Early withdrawal penalty on CDs 1 year and less is 3 months of interest; penalty may invade principal
Rate History
No change since Sep 14, 2026 · 2.67% APY · checked 7 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.63%
▲ 0.49% above Minnesota avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.14%▲ 0.49% above avgNationally 2.13%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.63% APY
CNB of Park Rapids
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3 Month CD
$0
2.53%
▲ 0.39% above Minnesota avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.14%▲ 0.39% above avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 2.53% APY · checked 4 times
Duluth 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.84%
▲ 0.96% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▲ 0.96% above avgNationally 2.78%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
6 Month Basic Certificate
$0
3.80%
▲ 0.92% above Minnesota avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.79%
▲ 0.91% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▲ 0.91% above avgNationally 2.78%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.79% ▲ 0.21 pts · high 3.79% / low 3.58%
- Oct 14, 20263.79%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
6-month Share Certificate
$1,000
3.30%
▲ 0.42% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 0.42% above avgNationally 2.78%
Details
Interest paid at maturity
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
6 Month Tiered Term Share Certificates & IRA Certificates
$0
2.99%
▲ 0.11% above Minnesota avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 0.11% above avgNationally 2.78%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 8 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 6 months
$500
2.75%
▼ 0.13% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▼ 0.13% below avgNationally 2.78%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.75% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Basic 6 Month Share Certificate
$0
2.00%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▼ 0.88% below avgNationally 2.78%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.00% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Product Basic 6 Month Share Certificate
$0
2.00%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▼ 0.88% below avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 2.00% APY
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
6 Month Certificates of Deposit
$1,000
1.60%
▼ 1.28% below Minnesota avg
▼
Rate1.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▼ 1.28% below avgNationally 2.78%
Details
Rate History
No change since Oct 3, 2026 · 1.60% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.53% below Minnesota avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▼ 1.53% below avgNationally 2.78%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.63% below Minnesota avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▼ 1.63% below avgNationally 2.78%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 6 Months
$500
0.50%
▼ 2.38% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▼ 2.38% below avgNationally 2.78%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 6-18 Month CD = 90 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 0.50% APY
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Time Share 6 Month
$500
0.35%
▼ 2.53% below Minnesota avg
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▼ 2.53% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Traditional IRA 6 Month IRA
$500
0.35%
▼ 2.53% below Minnesota avg
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▼ 2.53% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
6 Month Certificate
$500
0.30%
▼ 2.58% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▼ 2.58% below avgNationally 2.78%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.30% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.82% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▼ 2.82% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.83% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▼ 2.83% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$500
8.00%
▲ 5.12% above Minnesota avg
▼
Rate8.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 5.12% above avgNationally 2.78%
Details
$500-$1,000; Limit of one CD per member
Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 6 times
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Month Certificate of Deposit (CD)
$0
4.31%
▲ 1.43% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.43% above avgNationally 2.78%
Details
Minimum deposit: $500 for 6 months; $1000 for terms greater than 12 months; Early withdrawal: terms less than 12 months 90 days dividends
Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 4 times
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25%
▲ 1.37% above Minnesota avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.88%▲ 1.37% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
Certificate - 6 Month Special
$1,000
4.25%
▲ 1.37% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 1.37% above avgNationally 2.78%
Details
New money only, not on deposit with the credit union for the past 90 days; must be a member
Rate History
No change since Oct 23, 2026 · 4.25% APY
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
6 Month Fixed CD
$250
4.16%
▲ 1.28% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.28% above avgNationally 2.78%
Details
Early withdrawal penalty: 181 Days Interest (minimum $25)
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 8 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6-month share certificate
$1,000
4.16%
▲ 1.28% above Minnesota avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.28% above avgNationally 2.78%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 8 times
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.27% above Minnesota avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 1.27% above avgNationally 2.78%
Details
Balance: $10,000-$1,000,000; Promotional CD available only from October 6th-December 31st, 2026; new deposits only; automatically renews once at 3.65% (3.68% APY) for 6 months; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 6 Months
$0
4.14%
▲ 1.26% above Minnesota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.88%▲ 1.26% above avgNationally 2.78%
Details
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 4 times
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6-Month CD
$500
4.10%
▲ 1.22% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.22% above avgNationally 2.78%
Details
Current CD special; $500 minimum opening deposit required to obtain APY; penalty may be applied for early withdrawal; rates effective as of 09/24/2026, expires on or before 11/15/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month CD
$50,000
4.10%
▲ 1.22% above Minnesota avg
▼
Rate4.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.22% above avgNationally 2.78%
Details
Interest Paid: Maturity; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
CD Specials - 6 Month
$5,000
4.06%
▲ 1.18% above Minnesota avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.88%▲ 1.18% above avgNationally 2.78%
Details
Balance: $5,000.00 minimum; A $5,000 minimum balance is required for Certificate of Deposit specials; Rates valid as of September 30, 2026; Interest compounds and is credited quarterly
Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 3 times
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6-Month CD
$0
4.05%
▲ 1.17% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.17% above avgNationally 2.78%
Details
APY range 4.05%-4.11%; Minimum balance of $1,000.00; Dividends paid at the end of each quarter and at maturity; 60 day early withdrawal penalty on 6 Month CD
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 6 Months
$0
4.04%
▲ 1.16% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.88%▲ 1.16% above avgNationally 2.78%
Details
Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 4 times
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 6 Month
$0
4.00%
▲ 1.12% above Minnesota avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Current CD Specials - 6 Month
$0
4.00%
▲ 1.12% above Minnesota avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Certificate of Deposit (CD) special
Rate History
No change since Oct 20, 2026 · 4.00% APY
Prime Security Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
High-yield 6 month CDs
$0
4.00%
▲ 1.12% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Featured homepage banner rate; Let your money grow. Locally.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month CD
$250
4.00%
▲ 1.12% above Minnesota avg
▼
Rate3.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Interest Paid: Maturity; Open Online
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate 6 Month
$0
4.00%
▲ 1.12% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Share Certificate
$1,000
4.00%
▲ 1.12% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.12% above avgNationally 2.78%
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
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 6 Month
$500
3.95%
▲ 1.07% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.07% above avgNationally 2.78%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Term Share Certificates
$1,000
3.95%
▲ 1.07% above Minnesota avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.07% above avgNationally 2.78%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Oct 13, 20263.95%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
6 Month Business CDs
$500
3.94%
▲ 1.06% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.06% above avgNationally 2.78%
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 Oct 22, 2026 · 3.94% APY
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
6 Month Stearns Salaam CD
$500
3.94%
▲ 1.06% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.06% above avgNationally 2.78%
Details
Expected Profit Rate 3.90%; Expected Annual % Yield 3.94%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.94% APY
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Standard CD - 6 months
$500
3.94%
▲ 1.06% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.88%▲ 1.06% above avgNationally 2.78%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.94% APY
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 6-month
$0
3.90%
▲ 1.02% above Minnesota avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 1.02% above avgNationally 2.78%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
1 change since Oct 15, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 23, 20263.90%▲ from 3.70%
- Oct 15, 20263.70%first recorded
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 Month Certificate Special
$0
3.90%
▲ 1.02% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 1.02% above avgNationally 2.78%
Details
Rake In The Savings! promotion; fall certificate special
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Jumbo Certificate
$25,000
3.85%
▲ 0.97% above Minnesota avg
▼
Rate3.80%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 0.97% above avgNationally 2.78%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Jumbo CD
$500
3.85%
▲ 0.97% above Minnesota avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 0.97% above avgNationally 2.78%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Jumbo IRA Certificate of Deposit
$500
3.85%
▲ 0.97% above Minnesota avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 0.97% above avgNationally 2.78%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 6 Month
$1,000
3.81%
▲ 0.93% above Minnesota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.88%▲ 0.93% above avgNationally 2.78%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Sep 27, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Certificate Accounts - 6 Months
$0
3.80%
▲ 0.92% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Rates effective November 20, 2025
Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 2 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80%
▲ 0.92% above Minnesota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$2,500
3.79%
▲ 0.91% above Minnesota avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.88%▲ 0.91% above avgNationally 2.78%
Details
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Rate History
1 change since Oct 14, 2026 · 3.78% → 3.79% ▲ 0.01 pts · high 3.79% / low 3.78%
- Oct 20, 20263.79%▲ from 3.78%
- Oct 14, 20263.78%first recorded
Duluth 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.80%
▲ 0.72% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 0.72% above avgNationally 2.99%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
12 Month Basic Certificate
$0
3.80%
▲ 0.72% above Minnesota avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.08%▲ 0.72% above avgNationally 2.99%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.75%
▲ 0.67% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 0.67% above avgNationally 2.99%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 12 Month Share Certificate
$0
3.60%
▲ 0.52% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.52% above avgNationally 2.99%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 3.60% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 12 Month Share Certificate
$0
3.60%
▲ 0.52% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.52% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.60% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 12 Month Share IRA Certificate
$0
3.60%
▲ 0.52% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.52% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.60% APY
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
12-month Youth Share Certificate
$250
3.60%
▲ 0.52% above Minnesota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 0.52% above avgNationally 2.99%
Details
Interest paid at maturity
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 12 Month Share Certificate
$0
3.50%
▲ 0.42% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.42% above avgNationally 2.99%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 3.50% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 12 Month Share Certificate
$0
3.50%
▲ 0.42% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.42% above avgNationally 2.99%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 12 Month Share IRA Certificate
$0
3.50%
▲ 0.42% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.42% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
12-month Share Certificate
$1,000
3.50%
▲ 0.42% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 0.42% above avgNationally 2.99%
Details
Interest paid at maturity
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2501 London Rd, Duluth, MN 55812
6 - 12 Month Short Term Share Certificate
$500
3.00%
▼ 0.08% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.08% below avgNationally 2.99%
Details
APY range 3.00% - 3.30% across terms 6 - 12 Months; $500 minimum deposit to open
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
12 Month Tiered Term Share Certificates & IRA Certificates
$0
2.95%
▼ 0.13% below Minnesota avg
▼
Rate2.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.13% below avgNationally 2.99%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 1 year
$500
2.50%
▼ 0.58% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.58% below avgNationally 2.99%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.50% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 12 Month Share Certificate
$0
2.25%
▼ 0.83% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.83% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 2.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 12 Month Share Certificate
$0
2.25%
▼ 0.83% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.83% below avgNationally 2.99%
Details
Balance: $100,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 12 Month Share IRA Certificate
$0
2.25%
▼ 0.83% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.83% below avgNationally 2.99%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 2.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 12 Month Share Certificate
$0
2.15%
▼ 0.93% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.93% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 2.15% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 12 Month Share Certificate
$0
2.15%
▼ 0.93% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.93% below avgNationally 2.99%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.15% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 12 Month Share IRA Certificate
$0
2.15%
▼ 0.93% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.93% below avgNationally 2.99%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 2.15% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Youth 12 Month Share Certificate
$0
1.80%
▼ 1.28% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 1.28% below avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 1.80% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Youth 12 Month Share Certificate
$0
1.70%
▼ 1.38% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 1.38% below avgNationally 2.99%
Details
Balance: $250.00 and over
Rate History
No change since Oct 22, 2026 · 1.70% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.57% below Minnesota avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▼ 1.57% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 W Superior St, Duluth, MN 55802
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.58% below Minnesota avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▼ 1.58% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
12 Month Certificates of Deposit
$1,000
1.50%
▼ 1.58% below Minnesota avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 1.58% below avgNationally 2.99%
Details
Rate History
No change since Oct 3, 2026 · 1.50% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
12 Month Standard CDs - Rewards
$0
1.40%
▼ 1.68% below Minnesota avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 1.68% below avgNationally 2.99%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
12 Month Standard IRA CDs - Rewards
$0
1.40%
▼ 1.68% below Minnesota avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 1.68% below avgNationally 2.99%
Details
Rewards APY column; Dividend Rate 1.39%
Rate History
No change since Oct 19, 2026 · 1.40% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
12 Month Standard CDs - Regular
$0
1.30%
▼ 1.78% below Minnesota avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 1.78% below avgNationally 2.99%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
12 Month Standard IRA CDs - Regular
$0
1.30%
▼ 1.78% below Minnesota avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 1.78% below avgNationally 2.99%
Details
Regular APY column; Dividend Rate 1.29%
Rate History
No change since Oct 19, 2026 · 1.30% APY
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
12 Month Certificate Builder
$0
1.00%
▼ 2.08% below Minnesota avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.08%▼ 2.08% below avgNationally 2.99%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 3 times
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
12 Month Wahoo Certificate
$0
1.00%
▼ 2.08% below Minnesota avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.08%▼ 2.08% below avgNationally 2.99%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 3 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Roth IRA 12 Month IRA
$500
1.00%
▼ 2.08% below Minnesota avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.08% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Time Share 12 Month
$500
1.00%
▼ 2.08% below Minnesota avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.08% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Traditional IRA 12 Month IRA
$500
1.00%
▼ 2.08% below Minnesota avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.08% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 12 Months
$500
0.70%
▼ 2.38% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 2.38% below avgNationally 2.99%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 6-18 Month CD = 90 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 0.70% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
12 Month Certificate
$500
0.50%
▼ 2.58% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 2.58% below avgNationally 2.99%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.50% APY
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate of Deposit
$0
4.63%
▲ 1.55% above Minnesota avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.55% above avgNationally 2.99%
Details
Balance: $35,000+
Rate History
No change since Sep 19, 2026 · 4.63% APY · checked 2 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
CD - 12 Months
$0
4.63%
▲ 1.55% above Minnesota avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.55% above avgNationally 2.99%
Details
Balance: $35,000+
Rate History
No change since Sep 14, 2026 · 4.63% APY · checked 8 times
American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 Month CD & IRA-CD Special Offer
$5,000
4.60%
▲ 1.52% above Minnesota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.52% above avgNationally 2.99%
Details
Two penalty-free withdrawals after account established for 7 days, minimum $1,000 per withdrawal; additional withdrawals may incur penalty; Checking Account Relationship required; not available for Public Funds; offer applies to CD renewals or new money to AB&T only; IRA-CDs consult financial advisor or tax professional
Rate History
No change since Oct 22, 2026 · 4.60% APY
First Community Credit Union Jamestown, ND
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
MyFirst Investment - 12 Month CD
$250
4.50%
▲ 1.42% above Minnesota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.42% above avgNationally 2.99%
Details
Ages: 0-17; Maximum balance $10,000; Additional deposits of $250 or more allowed; One MyFirst Investment (CD) per child/member (per SSN); CD maturity tied to child's birthday and automatically renews until age 18; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 4.50% APY
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month IRA Share Certificate
$1,000
4.27%
▲ 1.19% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.19% above avgNationally 2.99%
Details
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic
Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 9, 20264.27%▲ from 4.11%
- Sep 18, 20264.11%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month share certificate
$1,000
4.27%
▲ 1.19% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.19% above avgNationally 2.99%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 9, 20264.27%▲ from 4.11%
- Sep 18, 20264.11%▲ from 4.06%
- Sep 14, 20264.06%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 12 Month
$1,000
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.99%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1 Year IRA Term Share Certificates-Traditional & Roth
$0
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Term Share Certificates
$0
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Certificate Specials - 12 Month
$1,000
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.99%
Details
Balance: $1,000 and over; $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month Certificates of Deposit
$0
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.99%
Details
Rate History
1 change since Oct 14, 2026 · 2.11% → 4.20% ▲ 2.09 pts · high 4.20% / low 2.11%
- Oct 20, 20264.20%▲ from 2.11%
- Oct 14, 20262.11%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Certificate of Deposit - 12 Months
$0
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.99%
Details
Rate History
1 change since Oct 20, 2026 · 2.11% → 4.20% ▲ 2.09 pts · high 4.20% / low 2.11%
- Oct 22, 20264.20%▲ from 2.11%
- Oct 20, 20262.11%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Special CD - 12 Months
$0
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.99%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 4 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Term Share Certificates
$1,000
4.16%
▲ 1.08% above Minnesota avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.08% above avgNationally 2.99%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 13, 20264.16%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Duluth 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
18 Month Basic Certificate
$0
4.35%
▲ 1.22% above Minnesota avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.13%▲ 1.22% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 3 times
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
18 Month CD Special
$2,500
4.17%
▲ 1.04% above Minnesota avg
▼
Rate4.11%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 1.04% above avgNationally 2.88%
Details
Rate History
1 change since Oct 3, 2026 · 4.20% → 4.17% ▼ 0.03 pts · high 4.20% / low 4.17%
- Oct 22, 20264.17%▼ from 4.20%
- Oct 3, 20264.20%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 18 Month CD
$500
3.84%
▲ 0.71% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.13%▲ 0.71% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
18 Month CD Specials - Regular
$0
3.80%
▲ 0.67% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.67% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.67% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.67% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.67% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 18 Month CD
$500
3.79%
▲ 0.66% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.13%▲ 0.66% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.79% ▲ 0.21 pts · high 3.79% / low 3.58%
- Oct 14, 20263.79%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
18 Month Tiered Term Share Certificates & IRA Certificates
$0
2.92%
▼ 0.21% below Minnesota avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▼ 0.21% below avgNationally 2.88%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.92% APY · checked 8 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 18 month
$500
2.50%
▼ 0.63% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▼ 0.63% below avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.50% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 18 Months
$500
0.80%
▼ 2.33% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▼ 2.33% below avgNationally 2.88%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 6-18 Month CD = 90 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 0.80% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
18 Month Certificate
$500
0.60%
▼ 2.53% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▼ 2.53% below avgNationally 2.88%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.60% APY
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$1,000
4.37%
▲ 1.24% above Minnesota avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 1.24% above avgNationally 2.88%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; 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%
▲ 1.22% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 1.22% above avgNationally 2.88%
Details
Current CD special; $500 minimum opening deposit required to obtain APY; penalty may be applied for early withdrawal; 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
FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
IRA/Roth IRA 18 Month+
$0
4.32%
▲ 1.19% above Minnesota avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 1.19% above avgNationally 2.88%
Details
IRA certificate; Compounding: Daily; Early withdrawal of an IRA certificate requires an additional IRS penalty
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.32% ▲ 0.07 pts · high 4.32% / low 4.25%
- Oct 21, 20264.32%▲ from 4.25%
- Oct 7, 20264.25%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30%
▲ 1.17% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.13%▲ 1.17% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25%
▲ 1.12% above Minnesota avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 1.12% above avgNationally 2.88%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 18 Month
$1,000
4.25%
▲ 1.12% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 1.12% above avgNationally 2.88%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 18 Month
$500
4.25%
▲ 1.12% above Minnesota avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 1.12% above avgNationally 2.88%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
1 change since Oct 9, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 19, 20264.25%▲ from 4.15%
- Oct 9, 20264.15%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 18 Month
$500
4.20%
▲ 1.07% above Minnesota avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.13%▲ 1.07% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 20, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
Certificate of Deposit - 18 Month
$500
4.20%
▲ 1.07% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 1.07% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 6 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 18 Months
$0
4.15%
▲ 1.02% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 1.02% above avgNationally 2.88%
Details
Balance: $250,000.00 and up; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 4 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo CD
$500
4.15%
▲ 1.02% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 1.02% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 19, 20264.15%▲ from 4.05%
- Oct 13, 20264.05%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo IRA Certificate of Deposit
$500
4.15%
▲ 1.02% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 1.02% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 19, 20264.15%▲ from 4.05%
- Oct 13, 20264.05%first recorded
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$2,000
4.11%
▲ 0.98% above Minnesota avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.51% → 4.11% ▲ 1.60 pts · high 4.11% / low 2.51%
- Oct 7, 20264.11%▲ from 2.51%
- Sep 14, 20262.51%first recorded
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month CD
$50,000
4.10%
▲ 0.97% above Minnesota avg
▼
Rate4.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 0.97% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
18 Month Certificate
$0
4.06%
▲ 0.93% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.13%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 4.06% APY
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01%
▲ 0.88% above Minnesota avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.88% above avgNationally 2.88%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 3 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 18 Months
$100,000
4.01%
▲ 0.88% above Minnesota avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.88% above avgNationally 2.88%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.01% APY
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 18 Months
$0
4.00%
▲ 0.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Balance: $100,000.00-$249,999.99; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month CD
$250
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 - 18 Month Choose Your Term Certificate of Deposit
$15,000
4.00%
▲ 0.87% above Minnesota avg
▼
RateN/A
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Refinance your existing CD from another institution; Early withdrawal penalties apply if closed before maturity; Rate is variable
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.00% ▲ 0.29 pts · high 4.00% / low 3.71%
- Oct 8, 20264.00%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 18-month
$0
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
1 change since Oct 15, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 23, 20264.00%▲ from 3.70%
- Oct 15, 20263.70%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Jumbo Share Certificate
$35,000
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month
$0
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate of Deposit
$500
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 13, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 19, 20264.00%▲ from 3.90%
- Oct 13, 20263.90%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month IRA Certificate of Deposit
$500
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 9, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 19, 20264.00%▲ from 3.90%
- Oct 9, 20263.90%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
18 Month Share Certificate
$1,000
4.00%
▲ 0.87% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96%
▲ 0.83% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.83% above avgNationally 2.88%
Details
Penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 3.96% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 18 Months
$500
3.96%
▲ 0.83% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.83% above avgNationally 2.88%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 6 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 18 Months
$500
3.96%
▲ 0.83% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.83% above avgNationally 2.88%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 8 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$2,500
3.95%
▲ 0.82% above Minnesota avg
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 0.82% above avgNationally 2.88%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Sep 24, 20263.95%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (new deposits)
$0
3.95%
▲ 0.82% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.82% above avgNationally 2.88%
Details
New deposits
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (new deposits)
$0
3.95%
▲ 0.82% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.82% above avgNationally 2.88%
Details
Traditional and Roth IRA Certificate; New deposits
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.95%
▲ 0.82% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.82% above avgNationally 2.88%
Details
New deposits
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 7 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
18 Month Certificate
$500
3.90%
▲ 0.77% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.13%▲ 0.77% above avgNationally 2.88%
Details
Interest on terms greater than 12 months compounded and paid quarterly; Rates effective as of 10/15/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$500
3.90%
▲ 0.77% above Minnesota avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.13%▲ 0.77% above avgNationally 2.88%
Details
Balance: $100,000-$149,999
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 19, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (current deposits)
$0
3.90%
▲ 0.77% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.77% above avgNationally 2.88%
Details
Current deposits
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (current deposits)
$0
3.90%
▲ 0.77% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.13%▲ 0.77% above avgNationally 2.88%
Details
Traditional and Roth IRA Certificate; Current deposits
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Duluth 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
24 Month Basic Certificate
$0
4.00%
▲ 0.92% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.08%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2501 London Rd, Duluth, MN 55812
24 Month Share Certificate Special
$0
4.00%
▲ 0.92% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.92% above avgNationally 2.90%
Details
Promotional special: 24 Months at 4.00% APY*
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.80%
▲ 0.72% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 0.72% above avgNationally 2.90%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.75%
▲ 0.67% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 0.67% above avgNationally 2.90%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
24-month Share Certificate
$1,000
3.70%
▲ 0.62% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 0.62% above avgNationally 2.90%
Details
Interest paid quarterly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 24 Month Share Certificate
$0
3.40%
▲ 0.32% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.32% above avgNationally 2.90%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 3.40% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 24 Month Share Certificate
$0
3.40%
▲ 0.32% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.32% above avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.40% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 24 Month Share IRA Certificate
$0
3.40%
▲ 0.32% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.40% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 24 Month Share Certificate
$0
3.20%
▲ 0.12% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.12% above avgNationally 2.90%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 24 Month Share Certificate
$0
3.20%
▲ 0.12% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.12% above avgNationally 2.90%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 24 Month Share IRA Certificate
$0
3.20%
▲ 0.12% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 0.12% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.20% APY
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
24 Month Tiered Term Share Certificates & IRA Certificates
$0
2.67%
▼ 0.41% below Minnesota avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.41% below avgNationally 2.90%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.67% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.48% below Minnesota avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.48% below avgNationally 2.90%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
24 Month Standard IRA CDs - Rewards
$0
2.60%
▼ 0.48% below Minnesota avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.48% below avgNationally 2.90%
Details
Rewards APY column; Dividend Rate 2.57%
Rate History
No change since Oct 19, 2026 · 2.60% APY
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 24 month
$500
2.50%
▼ 0.58% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.58% below avgNationally 2.90%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.74% below Minnesota avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.74% below avgNationally 2.90%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.74% below Minnesota avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 0.74% below avgNationally 2.90%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Youth 24 Month Share Certificate
$0
2.20%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.88% below avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 2.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 24 Month Share Certificate
$0
2.20%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.88% below avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 2.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 24 Month Share Certificate
$0
2.20%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.88% below avgNationally 2.90%
Details
Balance: $100,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 24 Month Share IRA Certificate
$0
2.20%
▼ 0.88% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.88% below avgNationally 2.90%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 2.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
Account Youth 24 Month Share Certificate
$0
2.10%
▼ 0.98% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.98% below avgNationally 2.90%
Details
Balance: $250.00 and over
Rate History
No change since Oct 22, 2026 · 2.10% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 24 Month Share Certificate
$0
2.10%
▼ 0.98% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.98% below avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 2.10% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 24 Month Share Certificate
$0
2.10%
▼ 0.98% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.98% below avgNationally 2.90%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.10% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 24 Month Share IRA Certificate
$0
2.10%
▼ 0.98% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 0.98% below avgNationally 2.90%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 2.10% APY
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
24 Month Certificates of Deposit
$1,000
2.00%
▼ 1.08% below Minnesota avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 1.08% below avgNationally 2.90%
Details
Rate History
No change since Oct 3, 2026 · 2.00% APY · checked 4 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Roth IRA 24 Month IRA
$500
1.05%
▼ 2.03% below Minnesota avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.03% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 2 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Time Share 24 Month
$500
1.05%
▼ 2.03% below Minnesota avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.03% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 8 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Traditional IRA 24 Month IRA
$500
1.05%
▼ 2.03% below Minnesota avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▼ 2.03% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 24 Months
$500
0.85%
▼ 2.23% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 2.23% below avgNationally 2.90%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 24-60 Month CD = 180 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 0.85% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
24 Month Certificate
$500
0.65%
▼ 2.43% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▼ 2.43% below avgNationally 2.90%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.65% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$2,500
4.50%
▲ 1.42% above Minnesota avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.42% above avgNationally 2.90%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50%
▲ 1.42% above Minnesota avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 1.42% above avgNationally 2.90%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month Certificates of Deposit
$0
4.40%
▲ 1.32% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Oct 14, 2026 · 2.31% → 4.40% ▲ 2.09 pts · high 4.40% / low 2.31%
- Oct 20, 20264.40%▲ from 2.31%
- Oct 14, 20262.31%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Certificate of Deposit - 24 Months
$0
4.40%
▲ 1.32% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Oct 20, 2026 · 2.31% → 4.40% ▲ 2.09 pts · high 4.40% / low 2.31%
- Oct 22, 20264.40%▲ from 2.31%
- Oct 20, 20262.31%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Special CD - 24 Months
$0
4.40%
▲ 1.32% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.32% above avgNationally 2.90%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
CD (Certificate of Deposit) Account - 24-Month
$5,000
4.32%
▲ 1.24% above Minnesota avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.24% above avgNationally 2.90%
Details
Fixed; Term renewal: 12-Month | Fixed
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 2 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month IRA Share Certificate
$1,000
4.27%
▲ 1.19% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.19% above avgNationally 2.90%
Details
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Sep 18, 20264.27%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month share certificate
$1,000
4.27%
▲ 1.19% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.19% above avgNationally 2.90%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Sep 18, 20264.27%▲ from 4.06%
- Sep 14, 20264.06%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 2 Year
$500
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 20, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 month CD
$2,000
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25%
- Oct 7, 20264.25%▲ from 2.25%
- Sep 14, 20262.25%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 24 Month
$1,000
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.90%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Certificate Accounts - 2 Year
$0
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.90%
Details
Rates effective November 20, 2025
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Certificate Specials - 24 Month
$1,000
4.25%
▲ 1.17% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.17% above avgNationally 2.90%
Details
Balance: $1,000 and over; $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Month Term Share Certificates
$1,000
4.21%
▲ 1.13% above Minnesota avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.08%▲ 1.13% above avgNationally 2.90%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.11% → 4.21% ▲ 0.10 pts · high 4.21% / low 4.11%
- Oct 13, 20264.21%▲ from 4.11%
- Sep 18, 20264.11%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 24 Month
$2,500
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.90%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 24, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$2,500
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.90%
Details
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 20, 20264.20%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 24 Month
$500
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Relationship CD - 2 Year
$0
4.20%
▲ 1.12% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.12% above avgNationally 2.90%
Details
Relationship CD; eligibility: Gate City Bank checking account
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2 Year CD
$50,000
4.10%
▲ 1.02% above Minnesota avg
▼
Rate4.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.08%▲ 1.02% above avgNationally 2.90%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Duluth 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
36 Month Basic Certificate
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.81%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.81%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.75%
▲ 0.83% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.81%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Share Certificate
$1,000
3.75%
▲ 0.83% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Youth Share Certificate
$250
3.75%
▲ 0.83% above Minnesota avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 36 Month Share Certificate
$0
3.30%
▲ 0.38% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.38% above avgNationally 2.81%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 36 Month Share Certificate
$0
3.30%
▲ 0.38% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.38% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 36 Month Share IRA Certificate
$0
3.30%
▲ 0.38% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 36 Month Share Certificate
$0
3.20%
▲ 0.28% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.28% above avgNationally 2.81%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 36 Month Share Certificate
$0
3.20%
▲ 0.28% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.28% above avgNationally 2.81%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 36 Month Share IRA Certificate
$0
3.20%
▲ 0.28% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 0.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 36 Month Share Certificate
$0
2.90%
▼ 0.02% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.02% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 36 Month Share Certificate
$0
2.90%
▼ 0.02% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.02% below avgNationally 2.81%
Details
Balance: $100,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 36 Month Share IRA Certificate
$0
2.90%
▼ 0.02% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.02% below avgNationally 2.81%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 36 Month Share Certificate
$0
2.80%
▼ 0.12% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.80% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 36 Month Share Certificate
$0
2.80%
▼ 0.12% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.12% below avgNationally 2.81%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.80% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 36 Month Share IRA Certificate
$0
2.80%
▼ 0.12% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.12% below avgNationally 2.81%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 2.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
36 Month Standard CDs - Rewards
$0
2.75%
▼ 0.17% below Minnesota avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 0.17% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
36 Month Standard IRA CDs - Rewards
$0
2.75%
▼ 0.17% below Minnesota avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 0.17% below avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.72%
Rate History
No change since Oct 19, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.43% below Minnesota avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 0.43% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
36 Month Standard IRA CDs - Regular
$0
2.49%
▼ 0.43% below Minnesota avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 0.43% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.47%
Rate History
No change since Oct 19, 2026 · 2.49% APY
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
36 Month Tiered Term Share Certificates & IRA Certificates
$0
2.45%
▼ 0.47% below Minnesota avg
▼
Rate2.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 0.47% below avgNationally 2.81%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 3 year
$500
2.25%
▼ 0.67% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 0.67% below avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.25% APY
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
36 Month Certificates of Deposit
$1,000
1.90%
▼ 1.02% below Minnesota avg
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 1.02% below avgNationally 2.81%
Details
Rate History
No change since Oct 3, 2026 · 1.90% APY · checked 4 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Roth IRA 36 Month IRA
$500
1.10%
▼ 1.82% below Minnesota avg
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 1.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 2 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Time Share 36 Month
$500
1.10%
▼ 1.82% below Minnesota avg
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 1.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 8 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Traditional IRA 36 Month IRA
$500
1.10%
▼ 1.82% below Minnesota avg
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▼ 1.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 36 Months
$500
0.90%
▼ 2.02% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 2.02% below avgNationally 2.81%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 24-60 Month CD = 180 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 0.90% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
36 Month Certificate
$500
0.70%
▼ 2.22% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▼ 2.22% below avgNationally 2.81%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.70% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$2,500
4.60%
▲ 1.68% above Minnesota avg
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 1.68% above avgNationally 2.81%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 3 Year
$500
4.30%
▲ 1.38% above Minnesota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.92%▲ 1.38% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 20, 20264.30%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Term Share Certificates
$1,000
4.26%
▲ 1.34% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.34% above avgNationally 2.81%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
- Oct 13, 20264.26%▲ from 4.16%
- Sep 18, 20264.16%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 36 Month
$1,000
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.81%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.81%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.81%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
$0
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.81%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.22%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.30% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 9 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.22%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.30% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 4.22% APY · checked 3 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.81%
Details
Balance: $40,000.00 - $99,999.99
Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 9 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.81%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.16% APY · checked 3 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
36 Month Certificate
$500
4.15%
▲ 1.23% above Minnesota avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.23% above avgNationally 2.81%
Details
Interest on terms greater than 12 months compounded and paid quarterly; Rates effective as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 21, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.13%
▲ 1.21% above Minnesota avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.21% above avgNationally 2.81%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
- Oct 14, 20264.13%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 3 Years
$100,000
4.13%
▲ 1.21% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.21% above avgNationally 2.81%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.11%
▲ 1.19% above Minnesota avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.19% above avgNationally 2.81%
Details
Balance: $10,000.00 - $39,999.99
Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 9 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.11%
▲ 1.19% above Minnesota avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.19% above avgNationally 2.81%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 4.11% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$2,500
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Sep 24, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 36 Month
$500
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Year CD
$50,000
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.81%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 36-month
$0
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.81%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
1 change since Oct 15, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 23, 20264.10%▲ from 3.70%
- Oct 15, 20263.70%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Jumbo Certificate
$25,000
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.81%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Duluth 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
48 Month Basic Certificate
$0
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
48-month Share Certificate
$1,000
3.80%
▲ 0.87% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 0.87% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 48 Month Share Certificate
$0
3.30%
▲ 0.37% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.37% above avgNationally 2.81%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 48 Month Share Certificate
$0
3.30%
▲ 0.37% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.37% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 48 Month Share IRA Certificate
$0
3.30%
▲ 0.37% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.37% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.30% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 48 Month Share Certificate
$0
3.20%
▲ 0.27% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.27% above avgNationally 2.81%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 48 Month Share Certificate
$0
3.20%
▲ 0.27% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.27% above avgNationally 2.81%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 48 Month Share IRA Certificate
$0
3.20%
▲ 0.27% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.20% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 48 Month Share Certificate
$0
2.90%
▼ 0.03% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 48 Month Share Certificate
$0
2.90%
▼ 0.03% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Balance: $100,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 48 Month Share IRA Certificate
$0
2.90%
▼ 0.03% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 2.90% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
48 Month Standard CDs - Rewards
$0
2.90%
▼ 0.03% below Minnesota avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
48 Month Standard IRA CDs - Rewards
$0
2.90%
▼ 0.03% below Minnesota avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.86%
Rate History
No change since Oct 19, 2026 · 2.90% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 48 Month Share Certificate
$0
2.80%
▼ 0.13% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.13% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.80% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 48 Month Share Certificate
$0
2.80%
▼ 0.13% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.13% below avgNationally 2.81%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.80% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 48 Month Share IRA Certificate
$0
2.80%
▼ 0.13% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 0.13% below avgNationally 2.81%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 2.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.29% below Minnesota avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 0.29% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
48 Month Standard IRA CDs - Regular
$0
2.64%
▼ 0.29% below Minnesota avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 0.29% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 4 year
$500
2.25%
▼ 0.68% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 0.68% below avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.25% APY
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
48 Month Certificates of Deposit
$1,000
1.50%
▼ 1.43% below Minnesota avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 1.43% below avgNationally 2.81%
Details
Rate History
No change since Oct 3, 2026 · 1.50% APY · checked 4 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Roth IRA 48 Month IRA
$500
1.21%
▼ 1.72% below Minnesota avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 2 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Time Share 48 Month
$500
1.21%
▼ 1.72% below Minnesota avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 8 times
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
502 E 2nd St, Duluth, MN 55805 1913
Traditional IRA 48 Month IRA
$500
1.21%
▼ 1.72% below Minnesota avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 2 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 48 Months
$500
1.10%
▼ 1.83% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 1.83% below avgNationally 2.81%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 24-60 Month CD = 180 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 1.10% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
48 Month Certificate
$500
0.90%
▼ 2.03% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▼ 2.03% below avgNationally 2.81%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 0.90% APY
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 UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.93% above avgNationally 2.81%
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%
Relationship CD - 48 Month
$2,500
4.70%
▲ 1.77% above Minnesota avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 1.77% above avgNationally 2.81%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%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 UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.81%
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
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.33%
▲ 1.40% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.40% above avgNationally 2.81%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
- Oct 19, 20264.33%▲ from 3.77%
- Sep 18, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Month Term Share Certificates
$1,000
4.31%
▲ 1.38% above Minnesota avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.38% above avgNationally 2.81%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.21% → 4.31% ▲ 0.10 pts · high 4.31% / low 4.21%
- Oct 13, 20264.31%▲ from 4.21%
- Sep 18, 20264.21%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 4 Year
$500
4.30%
▲ 1.37% above Minnesota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average2.93%▲ 1.37% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 20, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.28%
▲ 1.35% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.35% above avgNationally 2.81%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
- Oct 19, 20264.28%▲ from 3.67%
- Sep 18, 20263.67%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 48 Month
$1,000
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
$0
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 9, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.23%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.30% above avgNationally 2.81%
Details
Minimum Balance: $500
Rate History
1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
- Oct 19, 20264.23%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$2,500
4.20%
▲ 1.27% above Minnesota avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Sep 24, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 48 Month
$500
4.20%
▲ 1.27% above Minnesota avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
48 Month Certificate
$500
4.20%
▲ 1.27% above Minnesota avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Interest on terms greater than 12 months compounded and paid quarterly; Rates effective as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 21, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 48-month
$0
4.15%
▲ 1.22% above Minnesota avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
1 change since Oct 15, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 23, 20264.15%▲ from 3.75%
- Oct 15, 20263.75%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13%
▲ 1.20% above Minnesota avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 14, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 4 Years
$100,000
4.13%
▲ 1.20% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.11%
▲ 1.18% above Minnesota avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.18% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 19, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
- Oct 20, 20264.11%▲ from 4.06%
- Sep 19, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 48 Months
$0
4.11%
▲ 1.18% above Minnesota avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.18% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Oct 14, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
- Oct 20, 20264.11%▲ from 4.06%
- Oct 14, 20264.06%first recorded
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
4 Year CD
$50,000
4.10%
▲ 1.17% above Minnesota avg
▼
Rate4.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average2.93%▲ 1.17% above avgNationally 2.81%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08%
▲ 1.15% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.15% above avgNationally 2.81%
Details
Penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 4 Years
$500
4.08%
▲ 1.15% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.15% above avgNationally 2.81%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
- Oct 10, 20264.08%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 4 Years
$500
4.08%
▲ 1.15% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.15% above avgNationally 2.81%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
- Oct 10, 20264.08%▼ from 4.09%
- Oct 1, 20264.09%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.06%
▲ 1.13% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average2.93%▲ 1.13% above avgNationally 2.81%
Details
Balance: $40,000.00 - $99,999.99
Rate History
1 change since Sep 19, 2026 · 4.01% → 4.06% ▲ 0.05 pts · high 4.06% / low 4.01%
- Oct 20, 20264.06%▲ from 4.01%
- Sep 19, 20264.01%first recorded
Duluth 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1820 Maple Grove Rd, Duluth, MN 55811 1811
60 Month Basic Certificate
$0
4.50%
▲ 1.48% above Minnesota avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.02%▲ 1.48% above avgNationally 2.92%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.80%
▲ 0.78% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.02%▲ 0.78% above avgNationally 2.92%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
201 E Superior St, Duluth, MN 55802
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.75%
▲ 0.73% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.02%▲ 0.73% above avgNationally 2.92%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 60 Month Share Certificate
$0
3.35%
▲ 0.33% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.33% above avgNationally 2.92%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 3.35% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 60 Month Share Certificate
$0
3.35%
▲ 0.33% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.33% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.35% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 60 Month Share IRA Certificate
$0
3.35%
▲ 0.33% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.33% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.35% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessPlus 60 Month Share Certificate
$0
3.25%
▲ 0.23% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.23% above avgNationally 2.92%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 3.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 60 Month Share Certificate
$0
3.25%
▲ 0.23% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.23% above avgNationally 2.92%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersPlus 60 Month Share IRA Certificate
$0
3.25%
▲ 0.23% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 0.23% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.08% above Minnesota avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 0.08% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
60 Month Standard IRA CDs - Rewards
$0
3.10%
▲ 0.08% above Minnesota avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 0.08% above avgNationally 2.92%
Details
Rewards APY column; Dividend Rate 3.06%
Rate History
No change since Oct 19, 2026 · 3.10% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 60 Month Share Certificate
$0
2.95%
▼ 0.07% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.07% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.95% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 60 Month Share Certificate
$0
2.95%
▼ 0.07% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.07% below avgNationally 2.92%
Details
Balance: $100,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.95% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 60 Month Share IRA Certificate
$0
2.95%
▼ 0.07% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.07% below avgNationally 2.92%
Details
Minimum balance $100,000.00
Rate History
No change since Oct 22, 2026 · 2.95% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
BusinessBasic 60 Month Share Certificate
$0
2.85%
▼ 0.17% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.17% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.85% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 60 Month Share Certificate
$0
2.85%
▼ 0.17% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.17% below avgNationally 2.92%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 22, 2026 · 2.85% APY
Members Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
215 N 40th Ave W, Duluth, MN 55807
MembersBasic 60 Month Share IRA Certificate
$0
2.85%
▼ 0.17% below Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.17% below avgNationally 2.92%
Details
Minimum balance $1,000.00
Rate History
No change since Oct 22, 2026 · 2.85% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.18% below Minnesota avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▼ 0.18% below avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4316 Rice Lake Rd, Duluth, MN 55811
60 Month Standard IRA CDs - Regular
$0
2.84%
▼ 0.18% below Minnesota avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▼ 0.18% below avgNationally 2.92%
Details
Regular APY column; Dividend Rate 2.81%
Rate History
No change since Oct 19, 2026 · 2.84% APY
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
60 Month Tiered Term Share Certificates & IRA Certificates
$0
2.25%
▼ 0.77% below Minnesota avg
▼
Rate2.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 0.77% below avgNationally 2.92%
Details
$500 Minimum Balance
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 8 times
SUPERIOR CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4125 Grand Ave, Duluth, MN 55807 2747
Share Certificate - 5 year
$500
2.25%
▼ 0.77% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▼ 0.77% below avgNationally 2.92%
Details
Balance: $500.00 - $99,999.99; Rates effective as of: October 19, 2026
Rate History
No change since Oct 19, 2026 · 2.25% APY
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2501 London Rd, Duluth, MN 55812
15 - 60 Month Long Term Share Certificate
$500
2.02%
▼ 1.00% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 1.00% below avgNationally 2.92%
Details
APY range 2.02% - 4.00% across terms 15 - 60 Months; $500 minimum deposit to open
Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
60 Month Certificates of Deposit
$1,000
2.00%
▼ 1.02% below Minnesota avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 1.02% below avgNationally 2.92%
Details
Rate History
No change since Oct 3, 2026 · 2.00% APY · checked 4 times
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
IRA CD - 60 Months
$500
1.20%
▼ 1.82% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 1.82% below avgNationally 2.92%
Details
Individual Retirement Accounts (IRA) CDs for less than $5,000; rates differ for higher amounts; penalty for early withdrawal: 24-60 Month CD = 180 days; dividends compounded daily; certificates auto-renew at maturity
Rate History
No change since Oct 22, 2026 · 1.20% APY
North Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4918 Grand Ave, Duluth, MN 55807
60 Month Certificate
$500
1.00%
▼ 2.02% below Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▼ 2.02% below avgNationally 2.92%
Details
Penalty for early withdrawal: 6-8 months = 90 days and 24-60 Months = 180 days; Dividends Compounded Daily; Certificates automatically renew at maturity unless redeemed
Rate History
No change since Oct 22, 2026 · 1.00% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$2,500
4.75%
▲ 1.73% above Minnesota avg
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 1.73% above avgNationally 2.92%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.49%
▲ 1.47% above Minnesota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.47% above avgNationally 2.92%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
- Oct 19, 20264.49%▲ from 3.87%
- Sep 18, 20263.87%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.44%
▲ 1.42% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.42% above avgNationally 2.92%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
- Oct 19, 20264.44%▲ from 3.77%
- Sep 18, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Term Share Certificates
$1,000
4.42%
▲ 1.40% above Minnesota avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.40% above avgNationally 2.92%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.31% → 4.42% ▲ 0.11 pts · high 4.42% / low 4.31%
- Oct 13, 20264.42%▲ from 4.31%
- Sep 18, 20264.31%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.39%
▲ 1.37% above Minnesota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.37% above avgNationally 2.92%
Details
Minimum Balance: $500
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
- Oct 19, 20264.39%▲ from 3.67%
- Sep 18, 20263.67%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 5 Year
$500
4.30%
▲ 1.28% above Minnesota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Minnesota Average3.02%▲ 1.28% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 20, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$2,500
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 24, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 60 Month
$500
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
60 Month Certificate
$500
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Interest on terms greater than 12 months compounded and paid quarterly; Rates effective as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 21, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
$0
4.25%
▲ 1.23% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.23% above avgNationally 2.92%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 9, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 60-month
$0
4.20%
▲ 1.18% above Minnesota avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.02%▲ 1.18% above avgNationally 2.92%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
1 change since Oct 15, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 23, 20264.20%▲ from 3.75%
- Oct 15, 20263.75%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.16%
▲ 1.14% above Minnesota avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.14% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 19, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 20, 20264.16%▲ from 4.06%
- Sep 19, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
4.16%
▲ 1.14% above Minnesota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.14% above avgNationally 2.92%
Details
Balance: $100,000 and over
Rate History
1 change since Oct 14, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 20, 20264.16%▲ from 4.06%
- Oct 14, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.11%
▲ 1.09% above Minnesota avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.09% above avgNationally 2.92%
Details
Balance: $40,000.00 - $99,999.99
Rate History
1 change since Sep 19, 2026 · 4.01% → 4.11% ▲ 0.10 pts · high 4.11% / low 4.01%
- Oct 20, 20264.11%▲ from 4.01%
- Sep 19, 20264.01%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
4.11%
▲ 1.09% above Minnesota avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.09% above avgNationally 2.92%
Details
Balance: $40,000 - $99,999.99
Rate History
1 change since Oct 14, 2026 · 4.01% → 4.11% ▲ 0.10 pts · high 4.11% / low 4.01%
- Oct 20, 20264.11%▲ from 4.01%
- Oct 14, 20264.01%first recorded
Think Mutual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5 Year CD
$50,000
4.10%
▲ 1.08% above Minnesota avg
▼
Rate4.04%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Minnesota Average3.02%▲ 1.08% above avgNationally 2.92%
Details
Interest Paid: Quarterly; Open Online
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.09%
▲ 1.07% above Minnesota avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.07% above avgNationally 2.92%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
- Oct 14, 20264.09%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 5 Years
$100,000
4.09%
▲ 1.07% above Minnesota avg
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.02%▲ 1.07% above avgNationally 2.92%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.09% APY
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
60 Month Share Certificates
$1,000
4.07%
▲ 1.05% above Minnesota avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Minnesota Average3.02%▲ 1.05% above avgNationally 2.92%
Details
$1,000 Minimum
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.06%
▲ 1.04% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.04% above avgNationally 2.92%
Details
Balance: $10,000.00 - $39,999.99
Rate History
1 change since Sep 19, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 20, 20264.06%▲ from 3.96%
- Sep 19, 20263.96%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
4.06%
▲ 1.04% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.04% above avgNationally 2.92%
Details
Balance: $10,000 - $39,999.99
Rate History
1 change since Oct 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 20, 20264.06%▲ from 3.96%
- Oct 14, 20263.96%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate of Deposit - 5 Year Step Up
$0
4.06%
▲ 1.04% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Minnesota Average3.02%▲ 1.04% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 6 Month's Interest; Step-Up CD can be stepped up to the then current 5 Year rate CD, one time during the 5 year term without extending the original maturity date; considered a variable rate product until the step up is elected
Rate History
1 change since Sep 19, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
- Oct 21, 20264.06%▲ from 3.44%
- Sep 19, 20263.44%first recorded
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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.
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Duluth, MN CD Rate Trends
Compare local Duluth, 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.
12-Month CD MN Avg
3.081%
▼ 0.009 vs 7 days ago
Minnesota 12-month CD rates fell 0.009 points over the past 7 days to 3.081% APY.
6-Month CD MN Avg
2.883%
▼ 0.035 vs 7 days ago
Minnesota 6-month CD rates fell 0.035 points over the past 7 days to 2.883% APY.
As of Oct 25, 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 October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
3.081%
6-Month Forecast
3.081%
Range: 2.88%, 3.23%
12-Month Forecast
3.331%
Range: 3.13%, 3.48%
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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 | 2.139% | $106.94 | $213.87 | $534.68 | $1,069.35 |
| 6-Month CD | 2.883% | $144.15 | $288.30 | $720.75 | $1,441.50 |
| 12-Month CD | 3.081% | $154.05 | $308.10 | $770.25 | $1,540.50 |
| 18-Month CD | 3.134% | $156.71 | $313.42 | $783.55 | $1,567.10 |
| 24-Month CD | 3.081% | $154.03 | $308.05 | $770.13 | $1,540.25 |
| 36-Month CD | 2.916% | $145.81 | $291.61 | $729.03 | $1,458.05 |
| 48-Month CD | 2.929% | $146.43 | $292.85 | $732.13 | $1,464.25 |
| 60-Month CD | 3.022% | $151.11 | $302.21 | $755.53 | $1,511.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Duluth, 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 | 2.139% | $106.94 |
| 2 | 6-Month CD | $5,000 | 2.883% | $144.15 |
| 3 | 12-Month CD | $5,000 | 3.081% | $154.05 |
| 4 | 24-Month CD | $5,000 | 3.081% | $154.03 |
| 5 | 36-Month CD | $5,000 | 2.916% | $145.81 |
| Total ($25,000 invested) | $25,000 | 2.820% blended | $704.98/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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1,749
CD Rates
Tracked in Duluth, Minnesota
Tracked in Duluth, Minnesota
66 Banks
45 Credit Unions
About Our Duluth, Minnesota CD Rate Database
MonitorBankRates tracks 1,749 CD rates from 66 banks and 45 credit unions with locations in Duluth, 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: Affinity Plus Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Duluth, Minnesota.
How to Find the Best CD Rates in Duluth, Minnesota
What to compare when shopping for a CD in Duluth, Minnesota
To find the best APYs in Duluth, Minnesota, start with credit unions and online-only banks: Duluth, Minnesota has 45 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 Duluth, 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 Duluth, Minnesota: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Duluth, Minnesota savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Duluth, Minnesota money market rates
Duluth, 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
$34,688
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At MN 12-mo avg 3.081% 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 3.081%, saving 10% of the local median salary ($3,468/year) and putting it in a CD would earn an additional $107 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 Duluth, 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 |
How Certificates of Deposit Work in Duluth, 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 Duluth, 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 Duluth, Minnesota as everywhere in the U.S.
Choosing a CD Term in Duluth, 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 Duluth, Minnesota savers easier access to their funds. For example, Bell Bank is offering its Certificate of Deposit - 6 Month (182 Day) CD at 3.84% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Affinity Plus Federal Credit Union is offering its 60 Month Basic Certificate at 4.50% 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 Duluth, 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 Duluth, 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 Duluth, 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 Duluth, 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 Duluth, Minnesota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Duluth, 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 Duluth, Minnesota
Are CD rates in Duluth, Minnesota FDIC insured?
Yes, most established banks in Duluth, 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 Duluth, 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 Duluth, 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 Duluth, 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 Duluth, Minnesota?
Here are recent top rates found for this area:
- Affinity Plus Federal Credit Union: 4.50% APY (60 Month Basic Certificate)
- North Shore Bank of Commerce: 4.17% APY (18 Month CD Special)
- Centricity Credit Union: 4.00% APY (24 Month Share Certificate Special)
- Bell Bank: 3.85% APY (Certificate of Deposit - 3 Month (91 Day) CD)
- Northern Communities Credit Union: 3.80% APY (48-month Share Certificate)
- Baxter Credit Union: 3.80% APY (18 Month CD Specials - Regular)
- Members Cooperative Credit Union: 3.60% APY (BusinessPlus 12 Month Share Certificate)
- Minnesota Power Employees Credit Union: 2.99% APY (6 Month Tiered Term Share Certificates & IRA Certificates)
- SUPERIOR CHOICE: 2.75% APY (Share Certificate - 6 months)
- Wells Fargo: 1.51% APY (Standard Fixed Rate CD 1 year - Relationship)
Rates reflect recent verified offers available in Duluth, Minnesota. Last Updated: October 23, 2026
Duluth, 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 Duluth, 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.
CD Calculators for Duluth, Minnesota
Duluth, Minnesota CD Calculator
At today’s MN top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Duluth, Minnesota CD LadderMN CD rates currently range from 2.139% (3-month) to 2.916% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Duluth, Minnesota CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 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 3.081% 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 Duluth, 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 Duluth, 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 Duluth, 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: October 23, 2026
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