Minnetonka, Minnesota CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Minnetonka, Minnesota CD rates include MidCountry BankMidCountry Bank14617 Highway 7, Minnetonka, MN 55345B+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, CorTrust BankCorTrust Bank4625 County Highway 101, Minnetonka, MN 55345A+5.0 ★Texas Ratio: 4.07%Real return: +0.70%APY minus CPI (February 2026) offering 1 Year Certificates of Deposit at 3.50% APY, Baxter Credit UnionBaxter Credit Union9800 Health Care Ln, Minnetonka, MN 55343A5.0 ★Texas Ratio: 7.04%Real return: +0.50%APY minus CPI (February 2026) offering IRA CD Specials 18-month term at 3.30% APY, Minnwest BankMinnwest Bank14820 Highway 7, Minnetonka, MN 55345A5.0 ★Texas Ratio: 8.82%Real return: +0.40%APY minus CPI (February 2026) offering 12 Month Digital CD at 3.20% APY, and Metropolitan Services Credit UnionMetropolitan Services Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +5.20%APY minus CPI (February 2026) offering 6 Month NEW Youth CD at 8.00% APY. CD rates as of May 30, 2026 according to verified data from MonitorBankRates.
Minnetonka has 58 local institutions in our database, with CD rates as high as 3.80% APY from MidCountry Bank at 14617 Highway 7, Minnetonka, MN 55345. 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 30, 2026
Compare Best CD Rates in Minnetonka, Minnesota & the Surrounding Area
Minnetonka 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
High-yield 3 month CDs
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 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%
▼
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%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000+*
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%
▼
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%
▼
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 - $24,999*
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
3 Months Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
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%
▼
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%
▼
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%
▼
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%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
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 IRA Certificate
$500
2.90%
▼
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 Share Certificate
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Relationship Rate
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
3 MONTH
$0
2.67%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 3 month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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%
▼
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%
▼
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Month IRA Certificates
$0
1.50%
▼
Rate1.49%
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3 Months Certificate of Deposit
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 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%
▼
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%
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$100,000
0.60%
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 30, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$25,000
0.55%
▼
Rate0.55%
Min Deposit$25,000
Min Balance—
UpdatedMay 30, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
90 Day Certificates of Deposit
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Standard Rate
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$10,000
0.50%
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 30, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Variable
$50
0.25%
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMay 28, 2026
Details
Minnetonka 6 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%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 6 Month Term Tier 4
$1,000
3.13%
▼
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%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 6 Month Term Tier 3
$1,000
3.03%
▼
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%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 6 Month Term Tier 2
$1,000
2.93%
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 - $49,999.99
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
14820 Highway 7, Minnetonka, MN 55345
6 Month Digital CD
$1,000
2.87%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 6 Month Term Tier 1
$1,000
2.52%
▼
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%
9800 Health Care Ln, Minnetonka, MN 55343
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$0
8.00%
▼
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%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6-month share certificate
$0
4.16%
▼
Rate4.10%
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%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6-Month CD
$1,000
4.05%
▼
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%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
Effective 3/12/26
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%
▼
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%
▼
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%
▼
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%
▼
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
$0
3.80%
▼
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 Certificates of Deposit (CD)
$0
3.80%
▼
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 months Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum opening balance 6 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
$1,000
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum balance to open* 6 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000
American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-Month CD/IRA-CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
It's a short-term, high-yield option that helps your money grow without a long commitment.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6 Month IRA Certificates
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
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%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Novation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Months Certificates
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
$500 Minimum Deposit
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Months Certificate
$0
3.60%
▼
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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 - $24,999*
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
6 Months Special Certificate Account
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
Certificate Accounts 6 Months Special
$500
3.53%
▼
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%
▼
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%
6 Months Special Certificate Accounts
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month Certificate of Deposit & IRA Accounts
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month CD and IRA Accounts
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
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%
▼
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Minnetonka 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
1 Year Certificates of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 12 Month Term
$1,000
3.35%
▼
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%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 12 Month Term
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tier 3: $50,000 - $99,999.99
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
14820 Highway 7, Minnetonka, MN 55345
12 Month Digital CD
$1,000
3.20%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 12 Month Term
$1,000
3.15%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tier 2: $25,000 - $49,999.99
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 12 Month Term
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tier 1: $1,000 - $24,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 12-month term
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
12-month term Regular CDs
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 12-month term
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate4.55%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate4.55%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
12 Months Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12-month share certificate
$0
3.96%
▼
Rate3.90%
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%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
1 Year Certificate Accounts
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 Months Certificate of Deposit (CD)
$500
3.85%
▼
Rate3.85%
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 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Border Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month CD Special (Options12 CD)
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 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.
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA Term Share Certificates-Traditional & Roth 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month Certificate Special
$0
3.75%
▼
Rate3.70%
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%
12 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month IRA Certificate Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000 minimum opening balance
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificates of Deposit (CD)
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificates of Deposit
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 month Certificate
$500
3.68%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
12 Month (Moneywise Available) IRA Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 month IRA Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
12 Months Certificate of Deposit
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 28, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
12 month Certificates of Deposit and IRA's
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 12 Month
$0
3.60%
▼
Rate3.55%
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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 and over
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
12 months Term Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1 Year Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
12 Months Certificates of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
IRA Certificates 1 Year
$0
3.55%
▼
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%
▼
Rate3.50%
Min Deposit$40,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.50%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 1 Year
$100,000
3.54%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and Above
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pioneer Bank Mapleton, MN
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
12 Months Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Minnetonka 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
18 Month Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Fixed CD
$250
3.85%
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
American State Bank of Grygla
Institution Rating:
B+4.8 ★Texas Ratio: 17.89%
18 MONTH
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
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.
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
IRA/Roth IRA 18 Month+
$250
3.72%
▼
Rate3.65%
Min Deposit$250
Min Balance—
UpdatedMay 28, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 18 months
$0
3.64%
▼
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%
▼
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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.55%
Min Deposit$0
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
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 and over
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD Specials
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Minimum) 18 Month
$0
3.51%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
18 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
18 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 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%
▼
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%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Certificate
$0
3.25%
▼
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 IRA Certificate
$0
3.25%
▼
Rate3.22%
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 18 Months
$0
3.25%
▼
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%
▼
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%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
18 Months Certificates of Deposit
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term***
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 28, 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%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term CD
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
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%
▼
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%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
** (includes one-time optional rate increase)
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate, minimum balance to open* 18 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Minnetonka 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%
14617 Highway 7, Minnetonka, MN 55345
Variable Rate Certificate of Deposit 24 Month Term
$25,000
3.80%
▼
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
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
2 Year Certificates of Deposit
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 24 Month Term
$1,000
3.04%
▼
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%
9800 Health Care Ln, Minnetonka, MN 55343
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 24 Month Term
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tier 1: $1,000 - $24,999.99
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate4.00%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
IRA Certificates 2 Year
$0
4.01%
▼
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%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 2 Years
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and Above
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
24 Month Fixed CD
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 2 Years
$0
3.75%
▼
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%
24 Months Certificates Account
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Minimum to Open $1,000.00
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.71%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 28, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2 Year Certificates of Deposit
$25,000
3.57%
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 and over
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit Minimum) 24 Month
$0
3.56%
▼
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%
Certificates of Deposit Minimum) 24 Month
$0
3.56%
▼
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
24 Months Certificates of Deposit
$0
3.51%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 month IRA Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
24 Month Certificate
$0
3.50%
▼
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%
▼
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%
▼
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 Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.50%
Min Deposit$0
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%
▼
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%
▼
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000 minimum opening balance
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
24 Month IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
2 years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000+*
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%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
24 months Term Share Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Traditional & Roth IRA Certificate 24 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
24 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Minnetonka 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
3 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 36 Month Term Tier 4
$1,000
2.83%
▼
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%
9800 Health Care Ln, Minnetonka, MN 55343
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 36 Month Term Tier 3
$1,000
2.73%
▼
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%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 36 Month Term Tier 2
$1,000
2.63%
▼
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%
9800 Health Care Ln, Minnetonka, MN 55343
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 36 Month Term Tier 1
$1,000
0.10%
▼
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%
▼
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%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 28, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificates 3 Years
$0
3.83%
▼
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.
Rate3.75%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$40,000
3.80%
▼
Rate3.75%
Min Deposit$40,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Months Certificate of Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 month Certificate
$500
3.65%
▼
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%
▼
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%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Certificate 36 Month
$0
3.60%
▼
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%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 and over
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$50,000 and above
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000+*
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3 Years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
36 Month IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
36 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
36 Month Certificate
$0
3.50%
▼
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%
36 Months Certificates Account
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Minimum to Open $1,000.00
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
36 months Term Share Certificates
$0
3.49%
▼
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%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
$25,000 - $99,999*
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
36 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
36 Month Certificate of Deposit & IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3 Year Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500-$24,999.99
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
36 Months Certificate of Deposit (CD)
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Individual Retirement Account (IRA)1 36 Months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Standard Share Certificates 36 Month
$0
3.35%
▼
Rate3.30%
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%
▼
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.
Minnetonka 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
4 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 48 Month Term
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 48 Month Term
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 48 Month Term
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 48 Month Term
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 28, 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%
▼
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%
▼
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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 Year Certificates of Deposit
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedMay 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%
▼
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%
▼
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
48 Month IRA Certificates
$0
3.55%
▼
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%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
48 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
48 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
48 Month Certificate of Deposit & IRA Accounts
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
48 Month CD and IRA Accounts
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000+*
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
48 Months Certificate of Deposit
$0
3.49%
▼
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%
▼
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%
▼
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%
▼
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%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedMay 28, 2026
Details
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%
▼
Rate3.35%
Min Deposit$40,000
Min Balance—
UpdatedMay 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Standard Share Certificates 48 Month
$0
3.35%
▼
Rate3.30%
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 48 Month
$500
3.35%
▼
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.
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Months Certificate of Deposit
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
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%
▼
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%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 28, 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%
▼
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%
▼
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%
▼
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%
48 Months Certificates Account
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Minimum to Open $1,000.00
Minnetonka 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
5 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
9800 Health Care Ln, Minnetonka, MN 55343
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 60 Month Term
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 60 Month Term
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 60 Month Term
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
14617 Highway 7, Minnetonka, MN 55345
Certificate of Deposit 60 Month Term
$1,000
0.10%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5 Year Certificates of Deposit
$25,000
3.65%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000 and over
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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
60 Month IRA Certificates
$0
3.60%
▼
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%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$50,000 and above
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
60 Month Certificate of Deposit & IRA Accounts
$1,000
3.55%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$40,000
3.55%
▼
Rate3.50%
Min Deposit$40,000
Min Balance—
UpdatedMay 28, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
60 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
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%
▼
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
60 Months Certificates of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.89%
60 Months Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$10,000
3.49%
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5 Year Certificates of Deposit
$1,000
3.45%
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 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%
▼
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%
▼
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
60 Month CD***
$10,000
3.44%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
Foresight Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Months Certificate of Deposit
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 - $24,999*
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 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%
▼
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%
▼
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%
60 Months Certificates Account
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Minimum to Open $1,000.00
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Minnetonka, MN CD Rate Trends
Compare local Minnetonka, MN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MN Avg
2.970%
▼ 0.032 vs 7 days ago
Minnesota 12-month CD rates fell 0.032 points over the past 7 days to 2.970% APY.
6-Month CD — MN Avg
2.846%
▲ 0.004 vs 7 days ago
Minnesota 6-month CD rates rose 0.004 points over the past 7 days to 2.846% APY.
As of May 31, 2026 • Rate data sourced from 8,500+ monitored institutions
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MN CD Rate Forecast — Next 12 Months
Where are Minnesota CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
2.970%
6-Month Forecast
2.970%
Range: 2.77% – 3.12%
12-Month Forecast
2.720%
Range: 2.52% – 2.87%
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What Your Savings Earn at MN CD Rates Today
Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.
| CD Term | MN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.217% | $110.84 | $221.67 | $554.18 | $1,108.35 |
| 6-Month CD | 2.846% | $142.30 | $284.59 | $711.48 | $1,422.95 |
| 12-Month CD | 2.970% | $148.48 | $296.96 | $742.40 | $1,484.80 |
| 18-Month CD | 3.116% | $155.81 | $311.61 | $779.03 | $1,558.05 |
| 24-Month CD | 2.857% | $142.86 | $285.72 | $714.30 | $1,428.60 |
| 36-Month CD | 2.825% | $141.25 | $282.49 | $706.23 | $1,412.45 |
| 48-Month CD | 2.819% | $140.95 | $281.89 | $704.73 | $1,409.45 |
| 60-Month CD | 2.887% | $144.37 | $288.73 | $721.83 | $1,443.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 30, 2026. | |||||
Sample CD Ladder for Minnetonka, Minnesota Savers
$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.217% | $110.84 |
| 2 | 6-Month CD | $5,000 | 2.846% | $142.30 |
| 3 | 12-Month CD | $5,000 | 2.970% | $148.48 |
| 4 | 24-Month CD | $5,000 | 2.857% | $142.86 |
| 5 | 36-Month CD | $5,000 | 2.825% | $141.25 |
| Total ($25,000 invested) | $25,000 | 2.743% blended | $685.73/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.
834
CD Rates
Tracked in Minnetonka, Minnesota
Tracked in Minnetonka, Minnesota
56 Banks
39 Credit Unions
About Our Minnetonka, Minnesota CD Rate Database
MonitorBankRates tracks 834 CD rates from 56 banks and 39 credit unions with locations in Minnetonka, 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 Minnetonka, Minnesota.
How to Find the Best CD Rates in Minnetonka, Minnesota
What to compare when shopping for a CD in Minnetonka, Minnesota
To find the best APYs in Minnetonka, Minnesota, start with credit unions and online-only banks — Minnetonka, Minnesota has 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Minnetonka, 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 Minnetonka, Minnesota — 95 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Minnetonka, Minnesota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Minnetonka, Minnesota money market rates
Minnetonka, Minnesota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
22.8%
National avg: 17.3%
Median Individual Earnings
$70,259
National avg: $47,340
Poverty Rate
5.9%
National avg: 11.1%
Unemployment Rate
3.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$209/yr
At MN 12-mo avg 2.970% APY
22.8% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.0% reflects a strong local economy. At today’s MN 12-month CD average of 2.970%, saving 10% of the local median salary ($7,025/year) and putting it in a CD would earn an additional $209 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 Minnetonka, Minnesota
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Minnetonka, Minnesota
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Minnetonka, Minnesota typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Minnetonka, Minnesota as everywhere in the U.S.
Choosing a CD Term in Minnetonka, Minnesota
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Minnetonka, Minnesota savers easier access to their funds. For example, MidCountry Bank is offering its Certificate of Deposit 6 Month Term Tier 4 at 3.13% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CorTrust Bank is offering its 5 Year Certificates of Deposit at 3.35% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Minnetonka, Minnesota Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Minnetonka, Minnesota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Minnetonka, Minnesota
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Minnetonka, Minnesota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Minnetonka, Minnesota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Minnetonka, Minnesota depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Minnetonka, Minnesota
Are CD rates in Minnetonka, Minnesota FDIC insured?
Yes, most established banks in Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, Minnesota?
Here are recent top rates found for this area:
- MidCountry Bank: 3.80% APY (Variable Rate Certificate of Deposit 24 Month Term)
- CorTrust Bank: 3.50% APY (1 Year Certificates of Deposit)
- Baxter Credit Union: 3.30% APY (IRA CD Specials 18-month term)
- Minnwest Bank: 3.20% APY (12 Month Digital CD)
- Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
- PSB of Plainview: 4.63% APY (12 Months)
- Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
- Northridge Community Credit Union: 4.31% APY (6 Months Certificate of Deposit)
- Brainerd BN Credit Union: 4.16% APY (6-month share certificate)
- Heritage Bank Minnesota: 4.16% APY (6 Month Fixed CD)
Rates reflect recent verified offers available in Minnetonka, Minnesota. Last Updated: May 30, 2026
CD Calculators for Minnetonka, Minnesota
Minnetonka, 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.
Minnetonka, Minnesota CD LadderMN CD rates currently range from 2.217% (3-month) to 2.825% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Minnetonka, 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 SavingsMinnesota’s average 12-month CD is 2.970% 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 30, 2026
Minnetonka, Minnesota Rates & Resources
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