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CD Rate Trends

Norwood Young America, Minnesota Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| 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: October 12, 2026

Norwood Young America, Minnesota CD rates from banks and credit unions serving Minnesota range from 0.10% to 8.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Norwood Young America, Minnesota CD rates include 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, Nicolet BankNicolet BankA+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.75% APY, PSB of PlainviewPSB of PlainviewA-4.7 ★Texas Ratio: 9.93%Real return: +1.83%APY minus CPI (February 2026) offering 12 Month Certificate at 4.63% APY, Cornerstone State BankCornerstone State BankA5.0 ★Texas Ratio: 6.12%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit UnionA+5.0 ★Texas Ratio: 4.41%Real return: +1.70%APY minus CPI (February 2026) offering BASIC CERTIFICATES - 60 month at 4.50% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Norwood Young America is a smaller community with no bank or credit union branches currently in our database. 782 institutions serving the Minnesota area are available to Norwood Young America residents, with CD rates as high as 8.00% APY from Metropolitan Services Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

Compare Best CD Rates in Norwood Young America, Minnesota & the Surrounding Area

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Norwood Young America 3 Month CD Rates

Minnesota 3 Month CD Average2.11% APYNational 2.09%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16% ▲ 2.05% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 2.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Month Special Share Certificate
$500
4.15% ▲ 2.04% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▲ 2.04% above avgNationally 2.09%
Details

Special Rate; Rates effective September 21, 2026

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
3 Month CD Special
$25,000
4.10% ▲ 1.99% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.99% above avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Share Certificate
$1,000
4.00% ▲ 1.89% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.89% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
3 Months Certificate of Deposit
$0
3.91% ▲ 1.80% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.80% above avgNationally 2.09%
Details

Balance: $250,000.00 and up; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.74% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Minnesota Average2.11%▲ 1.74% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
3 Months Certificate of Deposit
$0
3.85% ▲ 1.74% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.74% above avgNationally 2.09%
Details

Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.80% ▲ 1.69% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.69% above avgNationally 2.09%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3 Month Certificate
$0
3.76% ▲ 1.65% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.65% above avgNationally 2.09%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 7, 2026: 3.76% APYOct 7, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 3 month
$0
3.75% ▲ 1.64% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Certificate
$0
3.75% ▲ 1.64% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.59% → 3.75% ▲ 0.16 pts · high 3.75% / low 3.59%
3.09%3.67%4.25%Sep 14, 2026: 3.59% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.59%
  • Sep 14, 20263.59%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.70% ▲ 1.59% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Balance: $25,000 - $99,999*

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Business Share Certificate
$1,000
3.70% ▲ 1.59% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.60% ▲ 1.49% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.49% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.60% ▲ 1.49% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Balance: $1,000 - $24,999*

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
3 Months Certificate of Deposit
$0
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

Balance: $50,000.00-$99,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.50% ▲ 1.39% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.39% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 18, 2026: 3.55% APYOct 6, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.50%▼ from 3.55%
  • Sep 18, 20263.55%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.29% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.29% above avgNationally 2.09%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month Relationship CD
$0
3.40% ▲ 1.29% above Minnesota avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 13, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
3 Month C.D.
$1,000
3.39% ▲ 1.28% above Minnesota avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
3 Months Certificate of Deposit
$0
3.29% ▲ 1.18% above Minnesota avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.18% above avgNationally 2.09%
Details

Balance: $1,000-$49,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
3 Month Certificate
$500
3.25% ▲ 1.14% above Minnesota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.14% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Tribe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
3.21% ▲ 1.10% above Minnesota avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.21% APY · checked 2 times
2.71%3.21%3.71%Oct 6, 2026: 3.21% APYOct 6, 2026Oct 13, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Month Certificate
$0
3.15% ▲ 1.04% above Minnesota avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.04% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
2.50%3.08%3.65%Sep 14, 2026: 3.00% APYOct 7, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$0
3.05% ▲ 0.94% above Minnesota avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
3 Month AmeripriseInstallment Certificate
$0
3.00% ▲ 0.89% above Minnesota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Regular CDs - 3 months
$500
3.00% ▲ 0.89% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month (90 Day) CD
$0
2.90% ▲ 0.79% above Minnesota avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.79% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90% ▲ 0.79% above Minnesota avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▲ 0.79% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
3 Month Certificate
$0
2.75% ▲ 0.64% above Minnesota avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Relationship Rate

Rate History
1 change since Sep 14, 2026 · 0.50% → 2.75% ▲ 2.25 pts · high 2.75% / low 0.50%
0.00%2.50%5.00%Sep 14, 2026: 0.50% APYOct 7, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.75%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 3 Month
$0
2.75% ▲ 0.64% above Minnesota avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 MONTH CD
$0
2.67% ▲ 0.56% above Minnesota avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.56% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.67% APY · checked 6 times
2.17%2.67%3.17%Sep 14, 2026: 2.67% APYSep 14, 2026Oct 13, 2026
CNB of Park Rapids
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3 Month CD
$1,000
2.53% ▲ 0.42% above Minnesota avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.42% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 3 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Month Certificate of Deposit
$1,000
2.52% ▲ 0.41% above Minnesota avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.41% above avgNationally 2.09%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Certificate
$0
2.50% ▲ 0.39% above Minnesota avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month IRA Certificate
$0
2.50% ▲ 0.39% above Minnesota avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Traditional & Roth IRA Certificate
$2,500
2.50% ▲ 0.39% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Month Certificates of Deposit
$10,000
2.22% ▲ 0.11% above Minnesota avg
View
▼
Rate2.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.11% above avgNationally 2.09%
Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties**: 3 month loss of interest can be taken from principal

Rate History
No change since Oct 8, 2026 · 2.22% APY · checked 2 times
1.72%2.22%2.72%Oct 8, 2026: 2.22% APYOct 8, 2026Oct 13, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Month Certificates of Deposit
$1,000
2.12% ▲ 0.01% above Minnesota avg
View
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.01% above avgNationally 2.09%
Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties**: 3 month loss of interest can be taken from principal

Rate History
No change since Oct 8, 2026 · 2.12% APY · checked 2 times
1.62%2.12%2.62%Oct 8, 2026: 2.12% APYOct 8, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$150,000
2.05% ▼ 0.06% below Minnesota avg
View
▼
Rate2.03%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▼ 0.06% below avgNationally 2.09%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit
$0
2.02% ▼ 0.09% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.09% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Oct 13, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$25,000
2.02% ▼ 0.09% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.09% below avgNationally 2.09%
Details

Balance: $25,000 and over

Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 7, 2026: 2.02% APYOct 7, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
3 Month CD
$1,000
2.01% ▼ 0.10% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▼ 0.10% below avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month

Rate History
No change since Sep 24, 2026 · 2.01% APY · checked 5 times
1.51%2.01%2.51%Sep 24, 2026: 2.01% APYSep 24, 2026Oct 13, 2026
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Youth Certificate of Deposit
$25
2.01% ▼ 0.10% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▼ 0.10% below avgNationally 2.09%
Details

Maximum $5000

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 5 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 13, 2026
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3 Month Share Certificate
$0
2.00% ▼ 0.11% below Minnesota avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▼ 0.11% below avgNationally 2.09%
Details

Rate History
No change since Sep 21, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 21, 2026: 2.00% APYSep 21, 2026Oct 13, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$10,000
1.96% ▼ 0.15% below Minnesota avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.15% below avgNationally 2.09%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 1.96% APY · checked 2 times
1.46%1.96%2.46%Oct 7, 2026: 1.96% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$100,000
1.95% ▼ 0.16% below Minnesota avg
View
▼
Rate1.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▼ 0.16% below avgNationally 2.09%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 4 times
1.45%1.95%2.45%Sep 14, 2026: 1.95% APYSep 14, 2026Oct 13, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$1,000
1.91% ▼ 0.20% below Minnesota avg
View
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.20% below avgNationally 2.09%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.91% APY · checked 2 times
1.41%1.91%2.41%Oct 7, 2026: 1.91% APYOct 7, 2026Oct 13, 2026

Norwood Young America 6 Month CD Rates

Minnesota 6 Month CD Average2.90% APYNational 2.78%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$500
8.00% ▲ 5.10% above Minnesota avg
View
▼
Rate8.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 5.10% above avgNationally 2.78%
Details

Limit of one CD per member

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 4 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APYSep 18, 2026Oct 13, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Month CD Special Promotion
$0
4.31% ▲ 1.41% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Sep 18, 2026: 4.31% APYSep 18, 2026Oct 13, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month Special Certificate
$1,000
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.78%
Details

Special rate.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month CD Special
$25,000
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.78%
Details

Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 3, 2026: 4.20% APYOct 3, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
6 Month Fixed CD
$250
4.16% ▲ 1.26% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6-month share certificate
$0
4.16% ▲ 1.26% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15% ▲ 1.25% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.25% above avgNationally 2.78%
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
6 Months Certificate of Deposit
$0
4.14% ▲ 1.24% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.24% above avgNationally 2.78%
Details

Balance: $250,000.00 and up; Compounding: Interest At Maturity

Rate History
1 change since Sep 14, 2026 · 3.89% → 4.14% ▲ 0.25 pts · high 4.14% / low 3.89%
3.39%4.02%4.64%Sep 14, 2026: 3.89% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6-Month CD
$500
4.10% ▲ 1.20% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.20% above avgNationally 2.78%
Details

APY=Annual Percentage Yield. A penalty may be applied for early withdrawal. Fees may reduce earnings. Not valid with any other offer. Rates effective as of 09/24/2026. Expires on or before 10/18/2026.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Month CD Specials
$5,000
4.06% ▲ 1.16% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.16% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6-Month CD
$1,000
4.05% ▲ 1.15% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.15% above avgNationally 2.78%
Details

Published APY range: 4.05%-4.11%. A dividend penalty will be charged for early withdrawal* *60 day early withdrawal penalty on 6 Month CD

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
6 Months Certificate of Deposit
$0
4.04% ▲ 1.14% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.14% above avgNationally 2.78%
Details

Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYSep 24, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month CD
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Prime Security Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
High-yield 6 month CDs
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

CALL NOW

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Share Certificate
$1,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Jumbo CD
$0
3.95% ▲ 1.05% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.05% above avgNationally 2.78%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Certificate
$0
3.95% ▲ 1.05% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.05% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 month Certificate Special
$0
3.90% ▲ 1.00% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 month Jumbo Certificate
$25,000
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.78%
Details

JUMBO CERTIFICATES

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
6 Month Certificate
$0
3.81% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.91% above avgNationally 2.78%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 7, 2026: 3.81% APYOct 7, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 Months Certificate
$0
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 6 month
$0
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$0
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.78% APY · checked 2 times
3.28%3.78%4.28%Oct 7, 2026: 3.78% APYOct 7, 2026Oct 13, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificates (CDs)
$1,000
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68%
3.18%3.73%4.28%Sep 14, 2026: 3.68% APYOct 9, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.78%▲ from 3.68%
  • Sep 14, 20263.68%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate (new deposits)
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month IRA Certificate (new deposits)
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
$2,500
3.75% ▲ 0.85% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Term: 6 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Certificate of Deposit
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
6 Month Share Certificate
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 MONTH CERTIFICATE
$500
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

One time NO PENALTY withdrawal.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month CD
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate (current deposits)
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month IRA Certificate (current deposits)
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
$2,500
3.70% ▲ 0.80% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Term: 6 Months (current deposits)

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Business Share Certificate
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.68% ▲ 0.78% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.78% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999*

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.65% ▲ 0.75% above Minnesota avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.75% above avgNationally 2.78%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
6 Month Certificate
$500
3.60% ▲ 0.70% above Minnesota avg
View
▼
Rate3.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Unity One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Certificate
$0
3.60% ▲ 0.70% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month Jumbo and Jumbo IRA Certificate
$100,000
3.59% ▲ 0.69% above Minnesota avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.69% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46%
2.96%3.53%4.09%Sep 14, 2026: 3.46% APYOct 10, 2026: 3.59% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.59%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$0
3.58% ▲ 0.68% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 0.68% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.58% ▲ 0.68% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.68% above avgNationally 2.78%
Details

Balance: $1,000 - $24,999*

Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 7, 2026: 3.58% APYOct 7, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
6 Month Fixed Rate Certificates of Deposit
$0
3.55% ▲ 0.65% above Minnesota avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
FSB of Red Wing
Institution Rating:
F1.6 ★Texas Ratio: 11.96%
6 Month Certificate
$0
3.55% ▲ 0.65% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026

Norwood Young America 12 Month CD Rates

Minnesota 12 Month CD Average3.06% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate
$0
4.63% ▲ 1.57% above Minnesota avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.57% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month Certificate
$0
4.30% ▲ 1.24% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.24% above avgNationally 2.99%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month IRA share certificate
$0
4.27% ▲ 1.21% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.27%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month share certificate
$0
4.27% ▲ 1.21% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.27%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
12 Month Certificate
$0
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month Certificate
$1,000
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month IRA
$1,000
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month Business Special CD
$0
4.20% ▲ 1.14% above Minnesota avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Oct 7, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Oct 7, 2026: 4.00% APYOct 11, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.20%▲ from 4.00%
  • Oct 7, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Certificate
$0
4.16% ▲ 1.10% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
3.56%4.11%4.66%Sep 14, 2026: 4.06% APYOct 9, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.16%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
12 Months Certificate of Deposit
$0
4.15% ▲ 1.09% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.09% above avgNationally 2.99%
Details

Balance: $250,000.00 and up; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month CD
$25,000
4.15% ▲ 1.09% above Minnesota avg
View
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.09% above avgNationally 2.99%
Details

Term: 12 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
1 Year Certificate
$500
4.10% ▲ 1.04% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
4.06% ▲ 1.00% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
12 Month CD Special Promotion
$0
4.06% ▲ 1.00% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month FlexRate Certificate
$0
4.06% ▲ 1.00% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$100,000
4.05% ▲ 0.99% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Balance: $100,000-$149,999

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
4.01% ▲ 0.95% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.95% above avgNationally 2.99%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month CD
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 12 Month
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
12 Months Certificate of Deposit
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month CD
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.00%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$10,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
12 Month Certificate
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
12 Month Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $500.00

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Regular CDs - 12 months
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Special CDs - 12 months
$5,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1 Year Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1 Year Share Certificates (CDs)
$1,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1 Year IRA Term Share Certificate - Traditional & Roth
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Term Share Certificate - 12 Month
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1 Year Youth Flex Certificate
$100
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$50,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month (Moneywise Available) Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
1 Year Certificate
$0
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 11, 2026: 3.96% APYOct 11, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
12 Month Fixed CD
$250
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 month Jumbo Certificate
$25,000
3.95% ▲ 0.89% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.89% above avgNationally 2.99%
Details

JUMBO CERTIFICATES

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month Jumbo CD
$0
3.95% ▲ 0.89% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.89% above avgNationally 2.99%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
3.91% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.85% above avgNationally 2.99%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.91% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.85% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
12 Month Certificate of Deposit
$0
3.90% ▲ 0.84% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$500
3.90% ▲ 0.84% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Balance: $500-$24,999

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 Month Certificate (new deposits)
$0
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 Month IRA Certificate (new deposits)
$0
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 Month Traditional & Roth IRA Certificate
$2,500
3.85% ▲ 0.79% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Term: 12 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1 Year Jumbo and Jumbo IRA Certificate
$100,000
3.84% ▲ 0.78% above Minnesota avg
View
▼
Rate3.79%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84%
3.34%3.84%4.35%Sep 14, 2026: 3.85% APYOct 10, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.43%
12 Month Certificate
$500
3.80% ▲ 0.74% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.74% above avgNationally 2.99%
Details

Personal Accounts: Apply Online; Business Accounts: Apply Online

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1 Year Certificate of Deposit
$1,000
3.80% ▲ 0.74% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.74% above avgNationally 2.99%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026

Norwood Young America 18 Month CD Rates

Minnesota 18 Month CD Average3.14% APYNational 2.87%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
18 Month CD Special
$0
4.40% ▲ 1.26% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.26% above avgNationally 2.87%
Details

Special

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$0
4.37% ▲ 1.23% above Minnesota avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.23% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.37%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18-Month CD
$500
4.35% ▲ 1.21% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.21% above avgNationally 2.87%
Details

APY=Annual Percentage Yield. A penalty may be applied for early withdrawal. Fees may reduce earnings. Not valid with any other offer. Rates effective as of 09/24/2026. Expires on or before 10/18/2026.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 18 month
$0
4.35% ▲ 1.21% above Minnesota avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.21% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month Certificate
$0
4.30% ▲ 1.16% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.16% above avgNationally 2.87%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
IRA/Roth IRA 18 Month+
$250
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Method of Compounding: Daily

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
18 Month Certificate
$0
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18 Month Certificate
$500
4.20% ▲ 1.06% above Minnesota avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
18 Month Certificate of Deposit
$0
4.20% ▲ 1.06% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Oct 13, 2026
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
CD Special - 18 Months
$2,500
4.20% ▲ 1.06% above Minnesota avg
View
▼
Rate4.13%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 28, 2026 · 4.17% → 4.20% ▲ 0.03 pts · high 4.20% / low 4.17%
3.67%4.19%4.70%Sep 28, 2026: 4.17% APYOct 8, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 8, 20264.20%▲ from 4.17%
  • Sep 28, 20264.17%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
18 Months Certificate of Deposit
$0
4.15% ▲ 1.01% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.01% above avgNationally 2.87%
Details

Balance: $250,000.00 and up; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo CD
$0
4.15% ▲ 1.01% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.01% above avgNationally 2.87%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$2,000
4.11% ▲ 0.97% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.97% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.51% → 4.11% ▲ 1.60 pts · high 4.11% / low 2.51%
0.91%3.31%5.71%Sep 14, 2026: 2.51% APYOct 7, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.11%▲ from 2.51%
  • Sep 14, 20262.51%first recorded
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Month IRA Share Certificates (CDs)
$0
4.10% ▲ 0.96% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.96% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
18 Month Certificate
$0
4.06% ▲ 0.92% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.92% above avgNationally 2.87%
Details

Rate History
No change since Oct 11, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 11, 2026: 4.06% APYOct 11, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificate
$100,000
4.01% ▲ 0.87% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.87% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
18 Months Certificate of Deposit
$0
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 - 18 Month Choose your term certificate of deposit
$15,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Rate is variable and can change at any time. Refinance your existing CD from another institution.

Rate History
1 change since Sep 14, 2026 · 3.71% → 4.00% ▲ 0.29 pts · high 4.00% / low 3.71%
3.21%3.86%4.50%Sep 14, 2026: 3.71% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month
$35,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
18 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA Certificate
$500
3.96% ▲ 0.82% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.82% above avgNationally 2.87%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96% ▲ 0.82% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.82% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (new deposits)
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (new deposits)
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.95% ▲ 0.81% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Term: 18 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
18 Month Certificate
$500
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month CD
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month IRA Certificate
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (current deposits)
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (current deposits)
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.90% ▲ 0.76% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Term: 18 Months (current deposits)

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
18 Month Fixed CD
$250
3.85% ▲ 0.71% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.71% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bonanza Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month Certificate
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH CD
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$100,000
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Share Certificate
$2,500
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Jumbo Dividend Rate: 3.930%, Jumbo APY: 4.00%

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Jumbo Business Share Certificate
$35,000
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 18 Month
$500
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$50,000
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
18 Month Certificates of Deposit
$25,000
3.71% ▲ 0.57% above Minnesota avg
View
▼
Rate3.66%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.57% above avgNationally 2.87%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56%
3.06%3.64%4.21%Sep 24, 2026: 3.56% APYOct 2, 2026: 3.71% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.71%▲ from 3.56%
  • Sep 24, 20263.56%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month IRA/HSA Certificate of Deposit
$0
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
18 Month Share Certificate
$0
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$500
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Regular CDs - 18 months
$500
3.65% ▲ 0.51% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.51% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
18 Month Certificate
$0
3.61% ▲ 0.47% above Minnesota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.47% above avgNationally 2.87%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
18 Month Certificate
$500
3.60% ▲ 0.46% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.46% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 3.60% ▼ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 18, 2026: 3.90% APYOct 6, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.60%▼ from 3.90%
  • Sep 18, 20263.90%first recorded

Norwood Young America 24 Month CD Rates

Minnesota 24 Month CD Average3.07% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$0
4.50% ▲ 1.43% above Minnesota avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month Business Special CD
$0
4.40% ▲ 1.33% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Oct 7, 2026: 4.20% APYOct 11, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.40%▲ from 4.20%
  • Oct 7, 20264.20%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month Certificate
$0
4.30% ▲ 1.23% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.23% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month IRA share certificate
$0
4.27% ▲ 1.20% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month share certificate
$0
4.27% ▲ 1.20% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2 Year Certificate
$500
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 month CD
$2,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25%
0.25%3.25%6.25%Sep 14, 2026: 2.25% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
24 Month Certificate
$0
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
2 Year Certificate
$0
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month Certificate
$1,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month IRA
$1,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Month Certificate
$0
4.21% ▲ 1.14% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 1.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.21% ▲ 0.10 pts · high 4.21% / low 4.11%
3.61%4.16%4.71%Sep 14, 2026: 4.11% APYOct 9, 2026: 4.21% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.21%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 24 Month
$0
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month CD
$25,000
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Term: 24 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Year Relationship CD
$0
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
2.80%3.85%4.90%Sep 19, 2026: 3.50% APYOct 3, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.20%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
MidCountry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Variable Rate Certificate of Deposit 24 Month Term
$25,000
4.06% ▲ 0.99% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.99% above avgNationally 2.88%
Details

Rate: Prime minus 3.00%; New money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 19, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 19, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Month Certificate
$0
4.06% ▲ 0.99% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.99% above avgNationally 2.88%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month CD
$500
4.05% ▲ 0.98% above Minnesota avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.98% above avgNationally 2.88%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Jumbo and Jumbo IRA Certificate
$100,000
4.04% ▲ 0.97% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
24 Months Certificate of Deposit
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
State Bank of Faribault
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month Certificate Special
$1,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 19, 2026: 3.75% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month Certificate of Deposit
$500
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Certificate of Deposit - 24 Months
$500
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
24 Month Share Certificate
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Jumbo Certificate
$25,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

JUMBO CERTIFICATES

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 24 month
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2 Year IRA Term Share Certificate - Traditional & Roth
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Term Share Certificate - 24 Month
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 24 Month
$35,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 24 Month
$35,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Standard Dividend Rate: 3.690%, Standard *A.P.Y.: 3.75%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Share Certificate Special
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

NEW MONEY = funds that are not currently on deposit with Centricity Credit Union

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year IRA Certificate
$500
3.99% ▲ 0.92% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.92% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 18, 2026: 3.79% APYOct 10, 2026: 3.99% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.99%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Term Certificate
$500
3.99% ▲ 0.92% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.92% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.79% APYOct 1, 2026: 3.84% APYOct 10, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.99%▲ from 3.84%
  • Oct 1, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.96% ▲ 0.89% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.89% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 24 Months
$25,000
3.92% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.92% ▲ 0.41 pts · high 3.92% / low 3.51%
3.01%3.72%4.42%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.91% ▲ 0.84% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.84% above avgNationally 2.88%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 24 Months
$10,000
3.87% ▲ 0.80% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.80% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
2.91%3.64%4.37%Sep 14, 2026: 3.41% APYOct 9, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.87%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$10,000
3.85% ▲ 0.78% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank.

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
2 Year Certificate
$0
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 11, 2026: 3.85% APYOct 11, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2 Year Certificate of Deposit
$0
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 70.30%
24 Month IRA CD
$2,500
3.85% ▲ 0.78% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Certificate
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month IRA Certificate
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

IRA CERTIFICATE (Traditional, Roth, or Educational)

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Step-Up CD
$1,000
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

STEP-UP CERTIFICATES

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
2 Year Certificates of Deposit
$25,000
3.82% ▲ 0.75% above Minnesota avg
View
▼
Rate3.77%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.57% → 3.82% ▲ 0.25 pts · high 3.82% / low 3.57%
3.07%3.70%4.32%Sep 24, 2026: 3.57% APYOct 2, 2026: 3.82% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.82%▲ from 3.57%
  • Sep 24, 20263.57%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 24 Months
$500
3.82% ▲ 0.75% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.80% ▲ 0.73% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.73% above avgNationally 2.88%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026

Norwood Young America 36 Month CD Rates

Minnesota 36 Month CD Average2.89% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$0
4.60% ▲ 1.71% above Minnesota avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Year Certificate
$500
4.30% ▲ 1.41% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Certificate
$0
4.26% ▲ 1.37% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.37% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
3.66%4.21%4.76%Sep 14, 2026: 4.16% APYOct 9, 2026: 4.26% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.26%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month CD
$25,000
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Term: 36 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
36 Month Certificate
$0
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
$35,000
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 36 Month
$35,000
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.22% ▲ 1.33% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.33% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 6 times
3.72%4.22%4.72%Sep 19, 2026: 4.22% APYSep 19, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.16% ▲ 1.27% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.27% above avgNationally 2.81%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 19, 2026: 4.16% APYSep 19, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.24% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.11% ▲ 1.22% above Minnesota avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.22% above avgNationally 2.81%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 19, 2026: 4.11% APYSep 19, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$0
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month CD
$500
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month Jumbo Certificate
$25,000
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

JUMBO CERTIFICATES

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year IRA Certificate
$500
4.08% ▲ 1.19% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.19% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Term Certificate
$500
4.08% ▲ 1.19% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.19% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.06% ▲ 1.17% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.17% above avgNationally 2.81%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
36 Months Certificate of Deposit
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 36 month
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Available as an IRA

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Share Certificate
$2,500
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Jumbo Dividend Rate: 4.170%, Jumbo APY: 4.25%

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Jumbo Business Share Certificate
$35,000
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Share Certificates with Rate Bump Option - 36 Month Jumbo
$35,000
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 36 Month
$500
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 36 Month
$1,000
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Jumbo Dividend Rate: 4.170%, Jumbo *A.P.Y.: 4.25%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
36 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 36 Months
$25,000
3.98% ▲ 1.09% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 3.98% ▲ 0.31 pts · high 3.98% / low 3.67%
3.17%3.83%4.48%Sep 14, 2026: 3.67% APYOct 9, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.98%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month Certificate
$500
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month IRA Certificate
$500
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

IRA CERTIFICATE (Traditional, Roth, or Educational)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month Step-Up CD
$1,000
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

STEP-UP CERTIFICATES

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 36 Months
$10,000
3.93% ▲ 1.04% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.93% ▲ 0.37 pts · high 3.93% / low 3.56%
3.06%3.75%4.43%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.93% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.93%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3 Year Certificate of Deposit
$0
3.91% ▲ 1.02% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 1.02% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 4 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 36 Months
$500
3.88% ▲ 0.99% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.88% ▲ 0.42 pts · high 3.88% / low 3.46%
2.96%3.67%4.38%Sep 14, 2026: 3.46% APYOct 9, 2026: 3.88% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.88%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.85% ▲ 0.96% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.96% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Year Certificates of Deposit
$25,000
3.81% ▲ 0.92% above Minnesota avg
View
▼
Rate3.76%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 0.92% above avgNationally 2.81%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56%
3.06%3.69%4.31%Sep 24, 2026: 3.56% APYOct 2, 2026: 3.81% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.81%▲ from 3.56%
  • Sep 24, 20263.56%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
36 Month Certificate
$500
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month IRA/HSA Certificate of Deposit
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
36 Month Fixed Rate Certificates of Deposit
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 3, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$10,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank.

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 19, 2026: 3.24% APYSep 24, 2026: 3.70% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Months CD
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 27, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Year IRA Term Share Certificate - Traditional & Roth
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Term Share Certificate - 36 Month
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Share Certificates with Rate Bump Option - 36 Month
$500
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Jumbo Dividend Rate: 3.930%; Jumbo APY: 4.00%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month Jumbo CD
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
36-month Share Certificate
$1,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
36-month Youth Share Certificate
$250
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
36 Month Certificate
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026

Norwood Young America 48 Month CD Rates

Minnesota 48 Month CD Average2.90% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70% ▲ 1.80% above Minnesota avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.80% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.55% ▲ 1.65% above Minnesota avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.65% above avgNationally 2.80%
Details

Balance: $75,000 to $199,999.99

Rate History
No change since Oct 7, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 7, 2026: 4.55% APYOct 7, 2026Oct 13, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month CD
$25,000
4.35% ▲ 1.45% above Minnesota avg
View
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.45% above avgNationally 2.80%
Details

Term: 48 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 48 Months
$25,000
4.33% ▲ 1.43% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
3.21%4.05%4.89%Sep 14, 2026: 3.77% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.33%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Month Certificate
$0
4.31% ▲ 1.41% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.21% → 4.31% ▲ 0.10 pts · high 4.31% / low 4.21%
3.71%4.26%4.81%Sep 14, 2026: 4.21% APYOct 9, 2026: 4.31% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.31%▲ from 4.21%
  • Sep 14, 20264.21%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4 Year Certificate
$500
4.30% ▲ 1.40% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.40% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 48 Months
$10,000
4.28% ▲ 1.38% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.38% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
3.06%3.98%4.89%Sep 14, 2026: 3.67% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.28%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
48 Month Certificate
$0
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
$35,000
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 48 Month
$35,000
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 48 Months
$500
4.23% ▲ 1.33% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.33% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
2.89%3.90%4.90%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.23%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month CD
$500
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.80%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.23% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year IRA Certificate
$500
4.08% ▲ 1.18% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.18% above avgNationally 2.80%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08% ▲ 1.18% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.18% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.06% ▲ 1.16% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.16% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.04% ▲ 1.14% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.14% above avgNationally 2.80%
Details

Balance: $25,000 to $74,999.99

Rate History
No change since Oct 7, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 7, 2026: 4.04% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.01% ▲ 1.11% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.11% above avgNationally 2.80%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 48 month
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Share Certificate
$2,500
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Jumbo Dividend Rate: 4.170%, Jumbo APY: 4.25%

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Jumbo Business Share Certificate
$35,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Share Certificates with Rate Bump Option - 48 Month Jumbo
$35,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 48 Month
$500
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 48 Month
$1,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Jumbo Dividend Rate: 4.170%, Jumbo *A.P.Y.: 4.25%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
48 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4 Year Certificate of Deposit
$0
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 5 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 7, 2026: 3.96% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
3.91% ▲ 1.01% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.01% above avgNationally 2.80%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
4 Year Certificates of Deposit
$25,000
3.90% ▲ 1.00% above Minnesota avg
View
▼
Rate3.84%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.80%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.64% → 3.90% ▲ 0.26 pts · high 3.90% / low 3.64%
3.14%3.77%4.40%Sep 24, 2026: 3.64% APYOct 2, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.90%▲ from 3.64%
  • Sep 24, 20263.64%first recorded
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
48 Month Fixed Rate Certificates of Deposit
$0
3.90% ▲ 1.00% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 19, 2026: 3.24% APYSep 24, 2026: 2.93% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 2.93%
  • Sep 24, 20262.93%▼ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Months CD
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 2.93% → 3.85% ▲ 0.92 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 27, 2026: 2.93% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 2.93%
  • Sep 27, 20262.93%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
48 Month Certificate
$500
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month IRA/HSA Certificate of Deposit
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
4 Year Certificate of Deposit
$100
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
48-month Share Certificate
$1,000
3.80% ▲ 0.90% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
2 changes since Sep 19, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 19, 2026: 3.14% APYSep 24, 2026: 2.83% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 2.83%
  • Sep 24, 20262.83%▼ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Months CD
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 27, 2026 · 2.83% → 3.75% ▲ 0.92 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 27, 2026: 2.83% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 2.83%
  • Sep 27, 20262.83%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month IRA/HSA Certificate of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
48 Month Certificate of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
48 Month Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
48 Month Fixed Rate Certificates of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
48 Month Share Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $1,000.00+

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 Year IRA Term Share Certificate - Traditional & Roth
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Term Share Certificate - 48 Month
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Share Certificates with Rate Bump Option - 48 Month
$500
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Jumbo Dividend Rate: 3.930%; Jumbo APY: 4.00%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
2.45%3.43%4.40%Sep 14, 2026: 3.10% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Jumbo CD
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026

Norwood Young America 60 Month CD Rates

Minnesota 60 Month CD Average3.04% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$0
4.75% ▲ 1.71% above Minnesota avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 60 month
$0
4.50% ▲ 1.46% above Minnesota avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.46% above avgNationally 2.90%
Details

Available as an IRA

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 60 Months
$25,000
4.49% ▲ 1.45% above Minnesota avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.45% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
3.25%4.18%5.11%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 60 Months
$10,000
4.44% ▲ 1.40% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
3.10%4.11%5.11%Sep 14, 2026: 3.77% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.44%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Certificate
$0
4.42% ▲ 1.38% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.38% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.31% → 4.42% ▲ 0.11 pts · high 4.42% / low 4.31%
3.81%4.37%4.92%Sep 14, 2026: 4.31% APYOct 9, 2026: 4.42% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.42%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month CD
$25,000
4.40% ▲ 1.36% above Minnesota avg
View
▼
Rate4.33%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.36% above avgNationally 2.90%
Details

Term: 60 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 60 Months
$500
4.39% ▲ 1.35% above Minnesota avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.35% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
2.95%4.03%5.11%Sep 14, 2026: 3.67% APYOct 9, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.39%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
5 Year Certificate
$500
4.30% ▲ 1.26% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month CD
$500
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
60 Month Certificate
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
$35,000
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 60 Month
$35,000
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificate
$100,000
4.09% ▲ 1.05% above Minnesota avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
60 month Share Certificate
$1,000
4.07% ▲ 1.03% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
5 Year - Step Up Certificate of Deposit
$0
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month's Interest

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5 Year Certificate of Deposit
$1,000
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year IRA Certificate
$500
4.04% ▲ 1.00% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Term Certificate
$500
4.04% ▲ 1.00% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.01% ▲ 0.97% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.97% above avgNationally 2.90%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
60 Month Fixed Rate Certificates of Deposit
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Sep 14, 2026: 3.20% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month Certificate
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Share Certificate
$2,500
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Jumbo Dividend Rate: 4.170%, Jumbo APY: 4.25%

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Jumbo Business Share Certificate
$35,000
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Share Certificates with Rate Bump Option - 60 Month Jumbo
$35,000
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 60 Month
$500
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificate - 60 Month
$1,000
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Jumbo Dividend Rate: 4.170%, Jumbo *A.P.Y.: 4.25%. Minimum balance required to open account and earn the stated APY= $1,000/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.

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
60 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
3.96% ▲ 0.92% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.90%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.96% ▲ 0.92% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.90%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Jumbo CD
$0
3.95% ▲ 0.91% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Balances of $250,000.00 and above

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
5 Year Certificates of Deposit
$25,000
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
3.15%3.78%4.41%Sep 24, 2026: 3.65% APYOct 2, 2026: 3.91% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.91%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
5 Year Certificate of Deposit
$0
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
60 Month Certificate
$500
3.90% ▲ 0.86% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 19, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 19, 2026: 3.14% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Months CD
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 27, 2026: 3.14% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.14%
  • Sep 27, 20263.14%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month IRA/HSA Certificate of Deposit
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
60 Month Fixed Rate Certificates of Deposit
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Certificate
$1,000
3.80% ▲ 0.76% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.80% ▲ 0.77 pts · high 3.80% / low 3.03%
2.26%3.42%4.57%Sep 14, 2026: 3.03% APYOct 7, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Months CD
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 27, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 27, 2026: 3.03% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.03%
  • Sep 27, 20263.03%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
5 Year Relationship CD
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
60 Month Certificate
$500
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 3.75% ▼ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 18, 2026: 3.90% APYOct 6, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.75%▼ from 3.90%
  • Sep 18, 20263.90%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month IRA/HSA Certificate of Deposit
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Month Certificate
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
60 Month Fixed Rate Certificates of Deposit
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $1,000 Minimum

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
60 Month Share Certificate
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Norwood Young America, Minnesota Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
PSB of Plainview
12 Month Certificate
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
Cornerstone State Bank
IRA 36-48 month C.D.
A 5.0 ★ TX: 6.12%
Min: $500
4.55%
Midwest Bank Detroit Lakes, MN
60 Month CD
A+ 5.0 ★ TX: 0.44%
Min: $25,000
4.40%
Ultima Bank Minnesota
24 Month Business Special CD
A+ 5.0 ★ TX: 5.52%
Min: $0
4.40%
CU Top 5 Credit Union Rates
Metropolitan Services Credit Union
6 Month NEW Youth CD
A+ 5.0 ★ TX: 0.00%
Min: $500
8.00%
Affinity Plus Federal Credit Union
BASIC CERTIFICATES - 60 month
A+ 5.0 ★ TX: 4.41%
Min: $0
4.50%
My Credit Union Bloomington, MN
Share & IRA Certificates - 60 Months
A 5.0 ★ TX: 10.33%
Min: $25,000
4.49%
Federated Employees Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 0.81%
Min: $0
4.42%
Associated Healthcare Credit Union
18 Month CD Special
A+ 5.0 ★ TX: 3.27%
Min: $0
4.40%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Norwood Young America, MN CD Rate Trends

Compare local Norwood Young America, 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
3.058%
▲ 0.016 vs 7 days ago

Minnesota 12-month CD rates rose 0.016 points over the past 7 days to 3.058% APY.

6-Month CD MN Avg
2.900%
▼ 0.005 vs 7 days ago

Minnesota 6-month CD rates fell 0.005 points over the past 7 days to 2.900% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through October 2027?

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

MN 12-Month Avg APY
3.058%
6-Month Forecast
3.058%
Range: 2.86%, 3.21%
12-Month Forecast
3.308%
Range: 3.11%, 3.46%

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

Spread model: The Minnesota 12-month CD average currently trades 1.32% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at MN CD Rates Today

Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.

CD Term MN Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.109% $105.47 $210.94 $527.35 $1,054.70
6-Month CD 2.900% $145.01 $290.01 $725.03 $1,450.05
12-Month CD 3.058% $152.92 $305.84 $764.60 $1,529.20
18-Month CD 3.142% $157.09 $314.17 $785.43 $1,570.85
24-Month CD 3.071% $153.55 $307.10 $767.75 $1,535.50
36-Month CD 2.891% $144.57 $289.14 $722.85 $1,445.70
48-Month CD 2.898% $144.89 $289.77 $724.43 $1,448.85
60-Month CD 3.042% $152.10 $304.20 $760.50 $1,521.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Norwood Young America, 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 2.109% $105.47
2 6-Month CD $5,000 2.900% $145.01
3 12-Month CD $5,000 3.058% $152.92
4 24-Month CD $5,000 3.071% $153.55
5 36-Month CD $5,000 2.891% $144.57
Total ($25,000 invested) $25,000 2.806% blended $701.52/yr

Ladder example uses equal $5,000 rungs and Minnesota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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1,432
CD Rates
Tracked in Norwood Young America, Minnesota
77 Banks 46 Credit Unions

About Our Norwood Young America, Minnesota CD Rate Database

MonitorBankRates tracks 1,432 CD rates from 77 banks and 46 credit unions with locations in Norwood Young America, Minnesota, plus national online institutions available to Minnesota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Metropolitan Services Credit Union offers a CD at 8.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Norwood Young America, Minnesota.

How to Find the Best CD Rates in Norwood Young America, Minnesota

What to compare when shopping for a CD in Norwood Young America, Minnesota

To find the best APYs in Norwood Young America, Minnesota, start with credit unions and online-only banks: Norwood Young America, Minnesota has 46 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 Norwood Young America, 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 Norwood Young America, Minnesota: 123 institutions here report CD rates

Consider an Alternative If…

Norwood Young America, Minnesota Financial Snapshot

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

Population 65+
17.8%
National avg: 17.3%
Median Individual Earnings
$45,250
National avg: $47,340
Poverty Rate
11.4%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$138/yr
At MN 12-mo avg 3.058% APY

17.8% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s MN 12-month CD average of 3.058%, saving 10% of the local median salary ($4,525/year) and putting it in a CD would earn an additional $138 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 Norwood Young America, Minnesota

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, Minnesota as everywhere in the U.S.

Choosing a CD Term in Norwood Young America, 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 Norwood Young America, Minnesota savers easier access to their funds. For example, Metropolitan Services Credit Union is offering its 6 Month NEW Youth CD at 8.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Nicolet Bank is offering its Relationship CD - 60 Month at 4.75% 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, Minnesota

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

Are CD rates in Norwood Young America, Minnesota FDIC insured?

Yes, most established banks in Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, Minnesota?

Here are recent top rates found for this area:
  • Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • PSB of Plainview: 4.63% APY (12 Month Certificate)
  • Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
  • Affinity Plus Federal Credit Union: 4.50% APY (BASIC CERTIFICATES - 60 month)
  • My Credit Union Bloomington, MN: 4.49% APY (Share & IRA Certificates - 60 Months)
  • Federated Employees Credit Union: 4.42% APY (60 Month Certificate)
  • Midwest Bank Detroit Lakes, MN: 4.40% APY (60 Month CD)
  • Ultima Bank Minnesota: 4.40% APY (24 Month Business Special CD)
  • Associated Healthcare Credit Union: 4.40% APY (18 Month CD Special)
Rates reflect recent verified offers available in Norwood Young America, Minnesota. Last Updated: October 12, 2026

Norwood Young America, Minnesota CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Norwood Young America, Minnesota CD Rates by Term

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

CD Calculators for Norwood Young America, Minnesota

Norwood Young America, Minnesota CD Calculator

At today’s MN top rate of 8.00% APY, a $10,000 deposit earns $800 in the first year. Enter your amount to see your exact return.

Norwood Young America, Minnesota CD Ladder

MN CD rates currently range from 2.109% (3-month) to 2.891% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Norwood Young America, Minnesota CD at 8.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Minnesota’s average 12-month CD is 3.058% 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 Norwood Young America, 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 Norwood Young America, 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 Norwood Young America, Minnesota. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MN.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

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