Mapleton, Minnesota CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Mapleton, Minnesota CD rates include Pioneer Bank Mapleton, MNPioneer Bank Mapleton, MN301 Main St E, Mapleton, MN 56065A-5.0 ★Texas Ratio: 14.28%Real return: +0.70%APY minus CPI (February 2026) offering 12 Months Certificate of Deposit at 3.50% APY, PSB of PlainviewPSB of PlainviewA+5.0 ★Texas Ratio: 4.73%Real return: +1.83%APY minus CPI (February 2026) offering 12 Months at 4.63% APY, Cornerstone State BankCornerstone State BankA+5.0 ★Texas Ratio: 0.88%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, Northridge Community Credit UnionNorthridge Community Credit UnionB+4.8 ★Texas Ratio: 17.98%Real return: +1.70%APY minus CPI (February 2026) offering 12 months at 4.50% APY, and Heritage Bank MinnesotaHeritage Bank MinnesotaA5.0 ★Texas Ratio: 6.39%Real return: +1.36%APY minus CPI (February 2026) offering 6 Month Fixed CD at 4.16% APY. CD rates as of May 5, 2026 according to verified data from MonitorBankRates.
Mapleton has 6 local institutions in our database, with CD rates as high as 3.50% APY from Pioneer Bank Mapleton, MN at 301 Main St E, Mapleton, MN 56065. 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 — 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: May 5, 2026
Compare Best CD Rates in Mapleton, Minnesota & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
High-yield 3 month CDs
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Substantial penalty for early withdrawal.
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
90 days Certificates of Deposit and IRA's
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 3 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum opening balance 3 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Month Relationship CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 months Term Share Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit (CD)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 month Term Share Certificate
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Relationship Rate
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
3 MONTH
$0
2.67%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 3 month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Month Share Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month IRA Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Traditional & Roth IRA Certificate 3 Months
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Month IRA Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
3 Months Term Share Certificate
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.90%
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Standard Rate
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
90 Day Certificates of Deposit
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
90 Day Certificate of Deposit
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
3 Month Certificates of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
6 Months
$0
4.31%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6-month share certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
6-Month CD
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6-Month CD Special
$5,000
4.04%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Effective 3/12/26
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6 month Jumbo Certificate
$25,000
4.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 27, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
A penalty may be applied for early withdrawal. Fees may reduce earnings. $500 minimum opening deposit required to obtain APY. Not valid with any other offer. Rates effective as of 02/16/2026. Expires on or before 5/17//2026.
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
New money only.
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6 MONTH CERTIFICATE - One time NO PENALTY withdrawal.
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.80%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificates of Deposit (CD)
$0
3.80%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
180 days Certificates of Deposit and IRA's
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD Specials
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum opening balance 6 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
6 Month IRA Certificates
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-Month CD/IRA-CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 6 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Months Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 months Term Share Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Novation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
6 Months Certificates
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
$500 Minimum Deposit
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
6 Months Special***
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
6-Month Special Certificate
$500
3.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
High Yield: Earn an exceptional 3.53% APY* on your investment; Short Term: Lock in your funds for just 6 months and watch your savings grow; Low Minimum Deposit: Start building your wealth with a minimum deposit of only $500.
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month Certificate of Deposit & IRA Accounts
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
6 Months Special
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month CD and IRA Accounts
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
6 Months Certificate Accounts
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Harvest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 6 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month Relationship CD
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term CD
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term**
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term** IRA Certificates
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 6 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
12 Months Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate4.55%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate4.55%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
12 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
12 Month Fixed CD
$250
3.96%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12-month share certificate
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
1 Year Certificate Accounts
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Border Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month CD Special (Options12 CD)
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Fixed rate CDs. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer.
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
12 month Jumbo Certificate
$25,000
3.80%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 27, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12 Month Certificate Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12 Month IRA Certificate Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
12 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit (CD)
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificates of Deposit
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
12 month Certificate
$500
3.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
12 Month (Moneywise Available) IRA Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
12 month IRA Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1 Year Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
12 month Certificates of Deposit and IRA's
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 1 Year
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.50%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
12 months Term Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 Year Certificates of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month FlexRate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Certificate of Deposit/IRA
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 Months Certificate of Deposit (CD)
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 12 Months
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
12 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
12 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1 Year Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 12 Month Term
$1,000
3.35%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
18 Months Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Fixed CD
$250
3.85%
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
18 MONTH
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
A penalty may be applied for early withdrawal. Fees may reduce earnings. $500 minimum opening deposit required to obtain APY. Not valid with any other offer. Rates effective as of 02/16/2026. Expires on or before 5/17//2026.
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
IRA/Roth IRA 18 Month+
$250
3.66%
▼
Rate3.59%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18-month share certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Semiannually
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Months Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Months Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD Specials
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Semiannually
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
18 Months Term Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
18 month Certificates of Deposit and IRA's
$0
3.46%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Months Certificate of Deposit (CD)
$500
3.46%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 18 Months
$0
3.46%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
18 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
18 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 18 Months
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Months Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
18 Months Term Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 18 months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate of Deposit/IRA
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Traditional & Roth IRA Certificate 18 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month IRA Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term***
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$50,000 and above
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term***
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$25,000-$49,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 18 Months
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
** (includes one-time optional rate increase)
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 18 Month Term
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Tier 2: $25,000 - $49,999.99
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate & IRA/Roth Share Certificate, 18 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 18 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
24 Months Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate4.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate4.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
24 Month IRA CD
$2,500
3.85%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
24 Month Fixed CD
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Variable Rate Certificate of Deposit 24 Month Term
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate applicable to new money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible. 24 Month - Prime minus 3.00%; Current Prime Rate 7.00% as of 12/11/2025
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.71%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month Jumbo Certificate
$25,000
3.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
24 Months**
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2 Year Certificates of Deposit
$25,000
3.57%
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24-month share certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.51%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month Step-Up CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
24 Month IRA Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
2 years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
24 Month IRA Certificate Special
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
24 Month Certificate Special
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
24 Month IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 months Term Share Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.42%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 24 Months
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
24 Months Certificate of Deposit (CD)
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Traditional & Roth IRA Certificate 24 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2 Year Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
24 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Month IRA Certificate
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
24 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
24 month Certificates of Deposit and IRA's
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Month Certificate
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2 Years Term Certificates
$0
3.37%
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 2 Years
$0
3.37%
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2 Year Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Month IRA Step Up Certificate
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
36 Months Certificate of Deposit
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month Jumbo Certificate
$25,000
3.80%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 27, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 3 Years
$0
3.79%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3 Years Term Certificates
$0
3.74%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 3 Years
$0
3.74%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month IRA Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month Step-Up CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
36 Month IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3 Years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
36 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 months Term Share Certificates
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
36 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
36 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3 Year Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
36 Months Certificate of Deposit (CD)
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 36 Months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
36 month Certificates of Deposit and IRA's
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
(Step up Rate)
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
36 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
36 Month Fixed CD
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 36 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
36 Months Certificates of Deposit
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate & IRA/Roth Share Certificate, 36 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
48 Months Certificate of Deposit
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$75,000 to $199,999.99
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$25,000 to $74,999.99
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 4 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
4 Years Term Certificates
$0
3.78%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 4 Years
$0
3.78%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 Year Certificates of Deposit
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
48 Month IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 months Term Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$0.01 to $24,999.99
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
48 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
48 Month Certificate of Deposit & IRA Accounts
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
48 Month CD and IRA Accounts
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
48 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 Months Certificate of Deposit (CD)
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 48 Months
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 Year Certificates of Deposit
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate & IRA/Roth Share Certificate, 48 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 48 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
48 Months Certificates of Deposit
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 48 Months
$200
3.24%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 5, 2026
Details
***
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4 Year Certificate of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.10%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
48 Month Fixed CD
$250
3.03%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
Rate3.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificates of Deposit 48 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
36 - 48 Month C.D.
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$25,000 to $74,999.99
Harvest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.27%
Fixed Rate Certificates of Deposit Minimum) 48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
301 Main St E, Mapleton, MN 56065
60 Months Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 5 Years
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 5 Years
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
5 Years Term Certificates
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
60 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
60 Months**
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5 Year Certificates of Deposit
$25,000
3.65%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
60 Month IRA Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
60 months Term Share Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
60 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
60 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Months Certificate of Deposit (CD)
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 60 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
60 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
60 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5 Year Certificates of Deposit
$1,000
3.45%
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 60 Months
$200
3.29%
▼
Rate3.25%
Min Deposit$200
Min Balance—
UpdatedMay 5, 2026
Details
***
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate & IRA/Roth Share Certificate, 60 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum opening balance
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Share Certificate, minimum balance to open* 60 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
60 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
60 Month IRA Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Traditional & Roth IRA Certificate 60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
60 Months Certificates of Deposit
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
60 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 Year Certificate of Deposit
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$35,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 Year - Step Up** Certificate of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Mapleton, Minnesota at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Mapleton depositors is 3.50% APY from Pioneer Bank Mapleton, MN. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Mapleton, MN CD Rate Trends
Compare local Mapleton, 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
2.451%
▼ 0.112 vs 7 days ago
Minnesota 12-month CD rates fell 0.112 points over the past 7 days to 2.451% APY.
6-Month CD — MN Avg
1.873%
▼ 0.191 vs 7 days ago
Minnesota 6-month CD rates fell 0.191 points over the past 7 days to 1.873% APY.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MN CD Rate Forecast — Next 12 Months
Where are Minnesota CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
2.451%
6-Month Forecast
2.451%
Range: 2.25% – 2.60%
12-Month Forecast
2.201%
Range: 2.00% – 2.35%
Powered by
MonitorBankRates
What Your Savings Earn at MN CD Rates Today
Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.
| CD Term | MN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.122% | $56.10 | $112.20 | $280.50 | $561.00 |
| 6-Month CD | 1.873% | $93.63 | $187.26 | $468.15 | $936.30 |
| 12-Month CD | 2.451% | $122.54 | $245.08 | $612.70 | $1,225.40 |
| 18-Month CD | 2.984% | $149.20 | $298.39 | $745.98 | $1,491.95 |
| 24-Month CD | 2.890% | $144.50 | $288.99 | $722.48 | $1,444.95 |
| 36-Month CD | 2.800% | $139.99 | $279.97 | $699.93 | $1,399.85 |
| 48-Month CD | 2.839% | $141.95 | $283.90 | $709.75 | $1,419.50 |
| 60-Month CD | 2.887% | $144.33 | $288.66 | $721.65 | $1,443.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 5, 2026. | |||||
Sample CD Ladder for Mapleton, Minnesota Savers
$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.122% | $56.10 |
| 2 | 6-Month CD | $5,000 | 1.873% | $93.63 |
| 3 | 12-Month CD | $5,000 | 2.451% | $122.54 |
| 4 | 24-Month CD | $5,000 | 2.890% | $144.50 |
| 5 | 36-Month CD | $5,000 | 2.800% | $139.99 |
| Total ($25,000 invested) | $25,000 | 2.227% blended | $556.76/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.
748
CD Rates
Tracked in Mapleton, Minnesota
Tracked in Mapleton, Minnesota
56 Banks
39 Credit Unions
About Our Mapleton, Minnesota CD Rate Database
MonitorBankRates tracks 748 CD rates from 56 banks and 39 credit unions with locations in Mapleton, Minnesota, plus national online institutions available to Minnesota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Pioneer Bank Mapleton, MN offers a CD at 3.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Mapleton, Minnesota.
How to Find the Best CD Rates in Mapleton, Minnesota
What to compare when shopping for a CD in Mapleton, Minnesota
To find the best APYs in Mapleton, Minnesota, start with credit unions and online-only banks — Mapleton, Minnesota has 39 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 Mapleton, 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 Mapleton, Minnesota — 95 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Mapleton, Minnesota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Mapleton, Minnesota money market rates
Mapleton, Minnesota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
15.2%
National avg: 17.3%
Median Individual Earnings
$49,665
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At MN 12-mo avg 2.451% APY
15.2% of residents are 65 or older — below the national average of 17.3%. At today’s MN 12-month CD average of 2.451%, saving 10% of the local median salary ($4,966/year) and putting it in a CD would earn an additional $122 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 Mapleton, Minnesota
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Mapleton, Minnesota
Are CD rates in Mapleton, Minnesota FDIC insured?
Yes, most established banks in Mapleton, 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 Mapleton, 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 Mapleton, 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 Mapleton, 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 Mapleton, Minnesota?
Here are recent top rates found for this area:
- Pioneer Bank Mapleton, MN: 3.50% APY (12 Months Certificate of Deposit)
- PSB of Plainview: 4.63% APY (12 Months)
- Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
- Northridge Community Credit Union: 4.50% APY (12 months)
- Brainerd BN Credit Union: 4.16% APY (6-month share certificate)
- Heritage Bank Minnesota: 4.16% APY (3 Month Fixed CD)
- Farm Credit Employees Federal Credit Union: 4.07% APY (60 month)
- Crow Wing Power Credit Union: 4.05% APY (6-Month CD)
- American National Bank of Minnesota: 4.04% APY (6-Month CD Special)
- Members Choice WV Federal Credit Union: 4.01% APY (IRA Certificates 2 Year)
Rates reflect recent verified offers available in Mapleton, Minnesota. Last Updated: May 5, 2026
CD Calculators for Mapleton, Minnesota
Mapleton, Minnesota CD Calculator
At today’s MN top rate of 3.50% APY, a $10,000 deposit earns $350 in the first year. Enter your amount to see your exact return.
Mapleton, Minnesota CD LadderMN CD rates currently range from 1.122% (3-month) to 2.800% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mapleton, Minnesota CD at 3.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMinnesota’s average 12-month CD is 2.451% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mapleton, 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 pulling data straight 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 Mapleton, 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: May 5, 2026
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