MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Minneapolis, Minnesota CD Rates Today - Compare Best APYs for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: May 23, 2026

Current Minneapolis, Minnesota CD rates include MidCountry BankMidCountry Bank7825 Washington Ave S, Minneapolis, MN 55439B+4.8 ★Texas Ratio: 17.71%Real return: +1.00%APY minus CPI (February 2026) offering Variable Rate Certificate of Deposit 24 Month Term at 3.80% APY, TruStone Financial Credit UnionTruStone Financial Credit Union2817 Lyndale Ave S, Minneapolis, MN 55408A+5.0 ★Texas Ratio: 5.11%Real return: +0.90%APY minus CPI (February 2026) offering 6 Month IRA Certificates at 3.70% APY, Bell BankBell Bank40 S 7th St, Minneapolis, MN 55402A+5.0 ★Texas Ratio: 2.41%Real return: +0.80%APY minus CPI (February 2026) offering 3 Month (91 Day) CD at 3.60% APY, Riverland BankRiverland Bank1621 E Hennepin Ave, Minneapolis, MN 55414A5.0 ★Texas Ratio: 7.67%Real return: +0.75%APY minus CPI (February 2026) offering 3 Month Certificate of Deposit & IRA Accounts at 3.55% APY, and Baxter Credit UnionBaxter Credit Union1000 Nicollet Mall, Minneapolis, MN 55403A5.0 ★Texas Ratio: 7.04%Real return: +0.50%APY minus CPI (February 2026) offering IRA CD Specials 18-month term at 3.30% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.

Minneapolis has 104 local institutions in our database, with CD rates as high as 3.80% APY from MidCountry Bank at 7825 Washington Ave S, Minneapolis, MN 55439. 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 23, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Minneapolis 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: 2.41%
40 S 7th St, Minneapolis, MN 55402
3 Month (91 Day) CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
3 Month (91 Day) CD
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
3 Month CD and IRA Accounts
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
3 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 Months CD
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Relationship Rate

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
3 Month IRA Certificates
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
3-month term Regular CDs
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 Months CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Standard Rate

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Fixed CD
$250
4.16%
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25)

Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
High-yield 3 month CDs
$10,000
4.00%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details

Substantial penalty for early withdrawal.

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month
$100,000
3.80%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month
$25,000
3.70%
View
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details

$25,000 - $99,999*

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum balance to open* 3 Months
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum opening balance 3 Months
$1,000
3.70%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details

$1,000

Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
90 days Certificates of Deposit and IRA's
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month
$1,000
3.60%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details

$1,000 - $24,999*

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3 Month Certificate of Deposit
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
3 months Term Share Certificates
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Months
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 month Share Certificate
$500
2.90%
View
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 month IRA Certificate
$500
2.90%
View
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Month (90 Day) CD
$0
2.90%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
3 MONTH
$0
2.67%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3 Month CD
$1,000
2.53%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details

FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month CD
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Share Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
1.97%
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 Month Certificate
$0
1.70%
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 Month IRA Certificate
$0
1.70%
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Traditional & Roth IRA Certificate 3 Months
$0
1.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Term Share Certificate 3 Months
$0
1.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3 Months
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Months
$2,500
1.15%
View
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Months CD
$2,500
1.15%
View
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3 Months Certificate of Deposit
$500
1.10%
View
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

Red Wing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Certificates of Deposits & IRA CDs 3 Months
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposits
$0
0.90%
View
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
90 Day Certificates of Deposit
$0
0.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Variable
$50
0.25%
View
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
3 Months Certificate Account
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Minneapolis 6 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
6 Month IRA Certificates
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
6 Month (182 Day) CD
$0
3.58%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
6 Month (182 Day) CD
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
6 Month CD and IRA Accounts
$1,000
3.53%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
6 Month Certificate of Deposit & IRA Accounts
$1,000
3.53%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 6 Month Term Tier 4
$1,000
3.13%
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$100,000 and over

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 6 Month Term Tier 3
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$50,000 - $99,999.99

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 6 Month Term Tier 2
$1,000
2.93%
View
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 - $49,999.99

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
6 Months CD
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Relationship Rate

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 6 Month Term Tier 1
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$1,000 - $24,999.99

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
6-month term Regular CDs
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
6 Months CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Standard Rate

Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$0
8.00%
View
▼
Rate8.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $1,000.00

Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
6 Months Certificate of Deposit
$0
4.31%
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Fixed CD
$250
4.16%
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25)

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6-month share certificate
$0
4.16%
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6-Month CD
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details

American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6-Month CD Special
$5,000
4.04%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details

Effective 3/12/26

Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6-Month CD
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 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 6/14/2026.

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 month Certificate of Deposits
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.89%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
6 MONTH CERTIFICATE
$500
3.85%
View
▼
Rate3.79%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

One time NO PENALTY withdrawal.

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.84%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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%
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.80%
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
180 days Certificates of Deposit and IRA's
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month
$100,000
3.78%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD Specials
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-Month CD/IRA-CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

It's a short-term, high-yield option that helps your money grow without a long commitment.

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum balance to open* 6 Months
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum opening balance 6 Months
$1,000
3.70%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details

$1,000

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month
$25,000
3.68%
View
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details

$25,000 - $99,999*

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
6 months Term Share Certificates
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Months Certificate
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Novation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Months Certificates
$500
3.60%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details

$500 Minimum Deposit

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
6 Month CD
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month
$1,000
3.58%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details

$1,000 - $24,999*

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
6 Month Certificate of Deposit
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Share Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month CD
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
6 Months Certificates of Deposit
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
6 Months Special Certificate Account
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
6 Months Special Certificate Accounts
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
6-Month Special Certificate
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

At maturity, the 6-month special certificate will automatically renew at the standard 6-month certificate's rate and term.

Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
Certificate Accounts 6 Months Special
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
6 Months Certificate Accounts
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Minneapolis 12 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
12 Month (Moneywise Available) IRA Certificates
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
1 Year (12 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
1 Year (12 Month) CD
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
12 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
12 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 12 Month Term
$1,000
3.35%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 4: $100,000 and over

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 12 Month Term
$1,000
3.25%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 3: $50,000 - $99,999.99

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 12 Month Term
$1,000
3.15%
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 2: $25,000 - $49,999.99

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
12 Months CD
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Relationship Rate

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 12 Month Term
$1,000
2.50%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 1: $1,000 - $24,999.99

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
1 Year
$0
1.82%
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
1 Year
$0
1.77%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 12-month term
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
12-month term Regular CDs
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 12-month term
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
12 Months CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Standard Rate

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Months
$0
4.63%
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Months CD
$35,000
4.63%
View
▼
Rate4.55%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
12 Months Certificate of Deposit
$0
4.06%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
12 Month Fixed CD
$250
3.96%
View
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25)

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12-month share certificate
$0
3.96%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
1 Year Certificate Accounts
$500
3.90%
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.85%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Border Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month CD Special (Options12 CD)
$5,000
3.85%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

One of our most popular products with even more savings potential than ever! The Options12 CD allows the one-time ability to change your rate and the ability to withdraw up to 50% of your current balance. In ADDITION to that - it also allows a ONE-time additional deposit to the CD less than or equivalent to the initial deposit. The Options12 CD really is a savers dream. A CD with creative saving abilities combined with great rates - that's our Options12 CD.

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 12 Months
$0
3.85%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 Months Certificate of Deposit (CD)
$500
3.85%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.80%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12 Month IRA Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month Certificate Special
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000 minimum opening balance

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month IRA Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month IRA Certificate Special
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000 minimum opening balance

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA Term Share Certificates-Traditional & Roth 1 Year
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
12 Month CD
$500
3.74%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 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%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificates of Deposit
$0
3.68%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 month Certificate
$500
3.68%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 month IRA Certificate
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1 year Certificate of Deposits
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
12 Months Certificate of Deposit
$100,000
3.60%
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details

Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
12 month Certificates of Deposit and IRA's
$0
3.60%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 12 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
View
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.56%
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
IRA Certificates 1 Year
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
12 Months Certificate of Deposit
$40,000
3.55%
View
▼
Rate3.50%
Min Deposit$40,000
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Months
$35,000
3.55%
View
▼
Rate3.50%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Minneapolis 18 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: 2.41%
40 S 7th St, Minneapolis, MN 55402
18 Month CD
$0
3.58%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
18 Month CD
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
18 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
18 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
18-month term CD Specials
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA CD Specials 18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
18 Month
$0
1.92%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
18 Month
$0
1.87%
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Fixed CD
$250
3.85%
View
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25)

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.85%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.80%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details

American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
18 MONTH
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
18 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18-Month CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 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 6/14/2026.

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
IRA/Roth IRA 18 Month+
$250
3.69%
View
▼
Rate3.62%
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 18 months
$0
3.64%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18-month share certificate
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 18 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Months Certificates of Deposit
$25,000
3.56%
View
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD Specials
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Minimum) 18 Month
$0
3.51%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,000

Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Term Share Certificate 18 Months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
18 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Months Certificate of Deposit (CD)
$500
3.46%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 18 Months
$0
3.46%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
18 month Certificates of Deposit and IRA's
$0
3.46%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Certificates of Deposit
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Months Certificates of Deposit
$500
3.36%
View
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

$500-$24,999.99

Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate of Deposit/IRA
$500
3.30%
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Traditional & Roth IRA Certificate 18 Months
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Standard Share Certificates 18 Month
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
18 Months Certificate of Deposit
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month IRA Certificate
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Certificate
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.20%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
View
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD Rate
$50,000
3.19%
View
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term IRA Certificate
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term***
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$50,000 and above

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term***
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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%
View
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term IRA Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD Rate
$25,000
3.09%
View
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
18 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
18 Months Added Advantage Certificates
$2,500
3.03%
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details

*** (includes one-time optional rate increase)

The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 18 Months
$2,500
3.03%
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details

** (includes one-time optional rate increase)

Minneapolis 24 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Variable Rate Certificate of Deposit 24 Month Term
$25,000
3.80%
View
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 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

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
2 Year (24 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
24 Month IRA Certificates
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
2 Year (24 Month) CD
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
24 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
24 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 24 Month Term
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 2: $25,000 - $49,999.99

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 24-month term
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
2 Year Renewals/Step-Up Rate
$0
2.50%
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
24-month term Regular CDs
$0
2.34%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 24-month term
$0
2.34%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
2 Year
$0
2.12%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
2 Year
$0
2.07%
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 24 Month Term
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Tier 1: $1,000 - $24,999.99

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months
$0
4.06%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months CD
$35,000
4.06%
View
▼
Rate4.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
IRA Certificates 2 Year
$0
4.01%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
24 Month IRA CD
$2,500
3.85%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
24 Month Fixed CD
$250
3.80%
View
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25)

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 2 Years
$100,000
3.80%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details

$100,000 and Above

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 2 Years
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Certificates Accounts 24 Months
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Includes IRA and HSA Accounts; Minimum to Open $1,000.00

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.71%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months CD
$10,000
3.70%
View
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months CD
$250
3.60%
View
▼
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 24 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
View
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Minimum) 24 Month
$0
3.56%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,000

Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit Minimum) 24 Month
$0
3.56%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,000

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
24-month share certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.51%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 month Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
24 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA Term Share Certificates-Traditional & Roth 2 Year
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 month Step-Up CD
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 month IRA Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
2 years Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
24 Month CD
$500
3.50%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 Month IRA Certificate Special
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000 minimum opening balance

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 Month IRA Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 Month Certificate Special
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000 minimum opening balance

Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month
$100,000
3.50%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

Leading Edge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
24 Months
$500
3.49%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months
$35,000
3.44%
View
▼
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

Minneapolis 36 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: 2.41%
40 S 7th St, Minneapolis, MN 55402
3 Year (36 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
36 Month IRA Certificates
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
3 Year (36 Month) CD
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
36 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
36 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 36 Month Term Tier 4
$1,000
2.83%
View
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$100,000 and over

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 36-month term
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 36 Month Term Tier 3
$1,000
2.73%
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$50,000 - $99,999.99

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 36 Month Term Tier 2
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 - $49,999.99

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
36-month term Regular CDs
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 36-month term
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
3 Year Renewals/Step-Up Rate
$0
2.40%
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
3 Year
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN 55407
3 Year
$0
2.17%
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 36 Month Term Tier 1
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$1,000 - $24,999.99

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 3 Years
$100,000
3.89%
View
▼
Rate3.83%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details

$100,000 and Above

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$100,000
3.85%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 3 Years
$0
3.83%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$40,000
3.80%
View
▼
Rate3.75%
Min Deposit$40,000
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months CD
$35,000
3.80%
View
▼
Rate3.75%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
36 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$10,000
3.75%
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months CD
$10,000
3.70%
View
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$500
3.70%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 month Certificate
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 month IRA Certificate
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 month Step-Up CD
$1,000
3.65%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months CD
$250
3.60%
View
▼
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 36 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
View
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
36 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Certificates Accounts 36 Months
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Includes IRA and HSA Accounts; Minimum to Open $1,000.00

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
36 Months Certificates of Deposit
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3 Years Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month
$100,000
3.50%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
36 months Term Share Certificates
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$25,000
3.44%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months
$35,000
3.44%
View
▼
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month
$25,000
3.40%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details

$25,000 - $99,999*

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$0
3.40%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3 Year Certificates of Deposit
$500
3.36%
View
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

$500-$24,999.99

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$0
3.35%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 36 Month
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Minimum balance required to open account and earn the stated APY= $500/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Minneapolis 48 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
48 Month IRA Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
48 Month CD and IRA Accounts
$1,000
3.50%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
48 Month Certificate of Deposit & IRA Accounts
$1,000
3.50%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 48-month term
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 48 Month Term
$1,000
2.83%
View
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 48 Month Term
$1,000
2.73%
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
48-month term Regular CDs
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 48-month term
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 48 Month Term
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Ameriprise Financial
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
901 3rd Avenue South, Minneapolis, MN 55402
4 Year Renewals/Step-Up Rate
$0
2.40%
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 48 Month Term
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 4 Years
$100,000
3.96%
View
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details

$100,000 and Above

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 4 Years
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
48 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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%
View
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 48 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Share Certificate
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
48 months Term Share Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month
$100,000
3.50%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
48 Months Certificates of Deposit
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
48 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
48 Months Certificate of Deposit
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 Months Certificate of Deposit (CD)
$500
3.45%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 48 Months
$0
3.45%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$1000-$24,999.99

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Months Certificate of Deposit
$100,000
3.44%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$25,000
3.44%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
48 Months
$35,000
3.44%
View
▼
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month
$25,000
3.40%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details

$25,000 - $99,999*

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Months Certificate of Deposit
$40,000
3.39%
View
▼
Rate3.35%
Min Deposit$40,000
Min Balance—
UpdatedMay 21, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 48 Month
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Minimum balance required to open account and earn the stated APY= $500/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Standard Share Certificates 48 Month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4 Year Certificates of Deposit
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Months Certificate of Deposit
$10,000
3.34%
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$5,000
3.34%
View
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month
$1,000
3.30%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details

$1,000 - $24,999*

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA Term Share Certificates-Traditional & Roth 4 Year
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Months Certificate of Deposit
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate & IRA/Roth Share Certificate, 48 Months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000 minimum opening balance

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum balance to open* 48 Months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$1,000

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
48 Months Certificates of Deposit
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Certificates Accounts 48 Months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Includes IRA and HSA Accounts; Minimum to Open $1,000.00

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
48 Months
$10,000
3.24%
View
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 48 Months
$200
3.24%
View
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 17, 2026
Details

***

Minneapolis 60 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2817 Lyndale Ave S, Minneapolis, MN 55408
60 Month IRA Certificates
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
60 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
5 Year (60 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1621 E Hennepin Ave, Minneapolis, MN 55414
60 Month CD and IRA Accounts
$1,000
3.55%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
40 S 7th St, Minneapolis, MN 55402
5 Year (60 Month) CD
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 60-month term
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
60-month term Regular CDs
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1000 Nicollet Mall, Minneapolis, MN 55403
IRA Certificates (CDs) 60-month term
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 60 Month Term
$1,000
2.83%
View
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 60 Month Term
$1,000
2.73%
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 60 Month Term
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
7825 Washington Ave S, Minneapolis, MN 55439
Certificate of Deposit 60 Month Term
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 5 Years
$100,000
4.11%
View
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details

$100,000 and Above

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 60 Month
$0
4.10%
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month Share Certificate
$1,000
4.07%
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 5 Years
$0
4.06%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
60 Month Certificate
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
Share & IRA Certificates 60 Months
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
Share & IRA Certificates 60 Months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
Share & IRA Certificates 60 Months
$0
3.83%
View
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
60 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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%
View
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

$25,000 and over

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month
$100,000
3.60%
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details

$100,000+*

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
60 months Term Share Certificates
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$100,000
3.60%
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$50,000 and above

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$40,000
3.55%
View
▼
Rate3.50%
Min Deposit$40,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month
$25,000
3.50%
View
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details

$25,000 - $99,999*

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Months Certificate of Deposit (CD)
$500
3.50%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 60 Months
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
60 Months Certificates of Deposit
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$10,000
3.49%
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
60 Months Certificate of Deposit
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
View
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

$1000-$24,999.99

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Standard Share Certificates 60 Month
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 60 Month
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

Minimum balance required to open account and earn the stated APY= $500/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$25,000-$49,999.99

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$25,000
3.44%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$500
3.44%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
60 Month CD***
$10,000
3.44%
View
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details

$1,000 - $24,999*

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 Year Certificates of Deposit
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$5,000
3.34%
View
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$5,000-$24,999.99

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA Term Share Certificates-Traditional & Roth 5 Year
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

The Bank of Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Added Advantage Certificates 60 Months
$200
3.29%
View
▼
Rate3.25%
Min Deposit$200
Min Balance—
UpdatedMay 17, 2026
Details

***

South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Certificates Accounts 60 Months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Includes IRA and HSA Accounts; Minimum to Open $1,000.00

BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
60 Months Certificates of Deposit
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

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.

Key Takeaways

What to know about CD rates in Minneapolis, 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 Minneapolis depositors is 3.80% APY from MidCountry Bank. 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.

Top CD Rates from Minneapolis, Minnesota Institutions

Highest verified APYs available today — updated May 23, 2026

B Top 5 Bank Rates
MidCountry Bank
Variable Rate Certificate of Deposit 24 Month Term
B+ 4.8 ★ TX: 17.71%
Min: $25,000
3.80%
Bell Bank
3 Month (91 Day) CD
A+ 5.0 ★ TX: 2.41%
Min: $0
3.60%
Riverland Bank
3 Month Certificate of Deposit & IRA Accounts
A 5.0 ★ TX: 7.67%
Min: $1,000
3.55%
Ameriprise Financial
6 Months CD
A+ 5.0 ★ TX: 0.21%
Min: $0
2.85%
PSB of Plainview
12 Months
A+ 5.0 ★ TX: 4.73%
Min: $0
4.63%
CU Top 5 Credit Union Rates
TruStone Financial Credit Union
6 Month IRA Certificates
A+ 5.0 ★ TX: 5.11%
Min: $0
3.70%
Baxter Credit Union
IRA CD Specials 18-month term
A 5.0 ★ TX: 7.04%
Min: $0
3.30%
Latvian Credit Union
3 Year
A+ 5.0 ★ TX: 1.30%
Min: $0
2.22%
Metropolitan Services Credit Union
6 Month NEW Youth CD
A+ 5.0 ★ TX: 0.00%
Min: $0
8.00%
Northridge Community Credit Union
6 Months Certificate of Deposit
B+ 4.8 ★ TX: 16.89%
Min: $0
4.31%
Rates verified May 23, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Minneapolis, MN CD Rate Trends

Compare local Minneapolis, MN CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Minnesota CD Trends →
12-Month CD — MN Avg
3.002%
▲ 0.010 vs 7 days ago

Minnesota 12-month CD rates rose 0.010 points over the past 7 days to 3.002% APY.

6-Month CD — MN Avg
2.842%
▼ 0.084 vs 7 days ago

Minnesota 6-month CD rates fell 0.084 points over the past 7 days to 2.842% APY.

As of May 24, 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
3.002%
6-Month Forecast
3.002%
Range: 2.80% – 3.15%
12-Month Forecast
2.752%
Range: 2.55% – 2.90%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Minnesota average 12-month CD APY in our database.

Spread model: The Minnesota 12-month CD average currently trades 1.37% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

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 2.194% $109.71 $219.41 $548.53 $1,097.05
6-Month CD 2.842% $142.12 $284.23 $710.58 $1,421.15
12-Month CD 3.002% $150.10 $300.20 $750.50 $1,501.00
18-Month CD 3.139% $156.93 $313.85 $784.63 $1,569.25
24-Month CD 2.867% $143.36 $286.72 $716.80 $1,433.60
36-Month CD 2.846% $142.31 $284.61 $711.53 $1,423.05
48-Month CD 2.766% $138.28 $276.56 $691.40 $1,382.80
60-Month CD 2.887% $144.33 $288.65 $721.63 $1,443.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 23, 2026.

Sample CD Ladder for Minneapolis, Minnesota Savers

$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder →
Rung Term Deposit MN Avg APY Annual Earnings
1 3-Month CD $5,000 2.194% $109.71
2 6-Month CD $5,000 2.842% $142.12
3 12-Month CD $5,000 3.002% $150.10
4 24-Month CD $5,000 2.867% $143.36
5 36-Month CD $5,000 2.846% $142.31
Total ($25,000 invested) $25,000 2.750% blended $687.60/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.

822
CD Rates
Tracked in Minneapolis, Minnesota
54 Banks 40 Credit Unions

About Our Minneapolis, Minnesota CD Rate Database

MonitorBankRates tracks 822 CD rates from 54 banks and 40 credit unions with locations in Minneapolis, 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: MidCountry Bank offers a CD at 3.80% APY with a minimum deposit of $25,000. Use the rate table above to compare all current offers in Minneapolis, Minnesota.

How to Find the Best CD Rates in Minneapolis, Minnesota

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

To find the best APYs in Minneapolis, Minnesota, start with credit unions and online-only banks — Minneapolis, Minnesota has 40 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 Minneapolis, 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 Minneapolis, Minnesota — 94 institutions here report CD rates

Consider an Alternative If…

Minneapolis, Minnesota Financial Snapshot

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

Population 65+
11.4%
National avg: 17.3%
Median Individual Earnings
$48,032
National avg: $47,340
Poverty Rate
16.0%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$144/yr
At MN 12-mo avg 3.002% APY

11.4% of residents are 65 or older — below the national average of 17.3%. At today’s MN 12-month CD average of 3.002%, saving 10% of the local median salary ($4,803/year) and putting it in a CD would earn an additional $144 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 Minneapolis, 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 Minneapolis, Minnesota

Are CD rates in Minneapolis, Minnesota FDIC insured?

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

Here are recent top rates found for this area:
  • MidCountry Bank: 3.80% APY (Variable Rate Certificate of Deposit 24 Month Term)
  • TruStone Financial Credit Union: 3.70% APY (6 Month IRA Certificates)
  • Bell Bank: 3.60% APY (3 Month (91 Day) CD)
  • Riverland Bank: 3.55% APY (60 Month Certificate of Deposit & IRA Accounts)
  • Baxter Credit Union: 3.30% APY (IRA CD Specials 18-month term)
  • Ameriprise Financial: 2.85% APY (6 Months CD)
  • Latvian Credit Union: 2.22% APY (3 Year)
  • Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
  • PSB of Plainview: 4.63% APY (12 Months)
  • Northridge Community Credit Union: 4.31% APY (6 Months Certificate of Deposit)
Rates reflect recent verified offers available in Minneapolis, Minnesota. Last Updated: May 23, 2026

CD Calculators for Minneapolis, Minnesota

Minneapolis, Minnesota CD Calculator

At today’s MN top rate of 3.80% APY, a $10,000 deposit earns $380 in the first year. Enter your amount to see your exact return.

Minneapolis, Minnesota CD Ladder

MN CD rates currently range from 2.194% (3-month) to 2.846% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Minneapolis, Minnesota CD at 3.80% 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 Savings

Minnesota’s average 12-month CD is 3.002% 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 Minneapolis, 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 Minneapolis, 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 Minneapolis, 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 23, 2026

Minneapolis, Minnesota Rates & Resources

$
Minneapolis, Minnesota Savings Rates
$
Minneapolis, Minnesota Mortgage Rates
$
Minneapolis, Minnesota Money Market Rates
$
Minneapolis, Minnesota Checking Rates
$
Minneapolis, Minnesota Auto Loan Rates
$
Minneapolis, Minnesota Personal Loan Rates
$
Minneapolis, Minnesota Home Equity Loan Rates