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CD Rate Trends

Plymouth, Minnesota Best CD Rates November 2026

Plymouth, Minnesota CD rates range from 0.02% to 8.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Plymouth, Minnesota CD rates include TruStone Financial Credit UnionTruStone Financial Credit Union14601 27th Ave N, Plymouth, MN 55447A+5.0 ★Texas Ratio: 4.56%Real return: +0.55%APY minus CPIRate verified Nov 9, 2026 offering 12 Month Certificate at 4.25% APY, TopLine Financial Credit UnionTopLine Financial Credit Union4190 Vinewood Ln N, Plymouth, MN 55442 1715A5.0 ★Texas Ratio: 6.54%Real return: +0.55%APY minus CPIRate verified Nov 9, 2026 offering Certificate Specials - 12 Month at 4.25% APY, Platinum BankPlatinum Bank605 Highway 169 N, Plymouth, MN 55441A+5.0 ★Texas Ratio: 2.38%Real return: +0.15%APY minus CPIRate verified Nov 7, 2026 offering 12 Month CD at 3.85% APY, Center National BankCenter National Bank15705 37th Ave N, Plymouth, MN 55446A+5.0 ★Texas Ratio: 0.03%Real return: -0.46%APY minus CPIRate verified Nov 11, 2026 offering Certificate of Deposit - 6-month at 3.24% APY, and Citizens Independent BankCitizens Independent Bank15600 36th Ave N, Plymouth, MN 55446A+5.0 ★Texas Ratio: 3.74%Real return: -0.70%APY minus CPIRate verified Nov 5, 2026 offering 6 Month Certificate at 3.00% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.

Plymouth has 69 local institutions in our database, with CD rates as high as 4.25% APY from TruStone Financial Credit Union at 14601 27th Ave N, Plymouth, MN 55447. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Minnesota area. Rates are continually updated, so we recommend checking back frequently.

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

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

Plymouth 3 Month CD Rates

Minnesota 3 Month CD Average2.19% APYNational 2.15%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
3 Month Share Certificate
$1,000
4.00% ▲ 1.81% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▲ 1.81% above avgNationally 2.15%
Details

Balance: $1,000 - $9,999; $1,000 minimum opening balance

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
3 Month Share Certificate
$1,000
3.70% ▲ 1.51% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▲ 1.51% above avgNationally 2.15%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70%
  • Oct 19, 20263.70%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
3 Month Certificate
$0
1.50% ▼ 0.69% below Minnesota avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 0.69% below avgNationally 2.15%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 11 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.13% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.13% below avgNationally 2.15%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.14% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.14% below Minnesota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
3 Month Standard CD
$1,000
0.05% ▼ 2.14% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.19%▼ 2.14% below avgNationally 2.15%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
3 month CD
$1,000
0.02% ▼ 2.17% below Minnesota avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▼ 2.17% below avgNationally 2.15%
Details

Rate History
No change since Oct 22, 2026 · 0.02% APY · checked 5 times
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16% ▲ 1.97% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average2.19%▲ 1.97% above avgNationally 2.15%
Details

Early withdrawal penalty: 91 Days Interest (minimum $25)

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 11 times
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Month Special Share Certificate
$500
4.15% ▲ 1.96% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.19%▲ 1.96% above avgNationally 2.15%
Details

Special rate for new certificates only; does not apply to renewals; renews to 6-month term at maturity

Rate History
No change since Oct 29, 2026 · 4.15% APY · checked 3 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
3 Month Standard CD
$500
4.06% ▲ 1.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.87% above avgNationally 2.15%
Details

Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal

Rate History
No change since Nov 5, 2026 · 4.06% APY · checked 2 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Business CD - 3 months
$500
4.06% ▲ 1.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.87% above avgNationally 2.15%
Details

Minimum opening balance on all terms: $500; Minimum balance to obtain APY: $500; Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal

Rate History
No change since Nov 5, 2026 · 4.06% APY · checked 2 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Salaam CD - 3 months
$500
4.06% ▲ 1.87% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.87% above avgNationally 2.15%
Details

Expected Profit Rate 4.00%; Expected Annual % Yield 4.06%; Profit paid at maturity; ability to fund throughout the term; no discount may be applied for early withdrawal

Rate History
No change since Nov 5, 2026 · 4.06% APY · checked 2 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.91% ▲ 1.72% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.72% above avgNationally 2.15%
Details

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

Rate History
No change since Sep 24, 2026 · 3.91% APY · checked 8 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85% ▲ 1.66% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.19%▲ 1.66% above avgNationally 2.15%
Details

Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times

Plymouth 6 Month CD Rates

Minnesota 6 Month CD Average2.91% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
6 Month Certificate
$0
4.00% ▲ 1.09% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
6 Month Share Certificate
$1,000
4.00% ▲ 1.09% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 minimum opening balance

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Platinum Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
605 Highway 169 N, Plymouth, MN 55441
6 Month CD
$5,000
3.85% ▲ 0.94% above Minnesota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.91%▲ 0.94% above avgNationally 2.81%
Details

Interest compounds quarterly; 30 day interest penalty for early withdrawal

Rate History
No change since Oct 28, 2026 · 3.85% APY · checked 3 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
6 Month Share Certificate
$1,000
3.70% ▲ 0.79% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▲ 0.79% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70%
  • Oct 19, 20263.70%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 6-month
$500
3.24% ▲ 0.33% above Minnesota avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▲ 0.33% above avgNationally 2.81%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 3.24% APY · checked 8 times
Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
15600 36th Ave N, Plymouth, MN 55446
6 Month Certificate
$0
3.00% ▲ 0.09% above Minnesota avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average2.91%▲ 0.09% above avgNationally 2.81%
Details

Maximum deposit $250,000

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 11 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
6 month CD
$1,000
1.00% ▼ 1.91% below Minnesota avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 1.91% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.85% below Minnesota avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 2.85% below avgNationally 2.81%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
6 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.86% below Minnesota avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▼ 2.86% below avgNationally 2.81%
Details

Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.86% below Minnesota avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▼ 2.86% below avgNationally 2.81%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
6 Month Standard CD
$1,000
0.05% ▼ 2.86% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.91%▼ 2.86% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$500
8.00% ▲ 5.09% above Minnesota avg
▼
Rate8.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.91%▲ 5.09% above avgNationally 2.81%
Details

$500-$1000; Limit of one CD per member; Open a Youth CD

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 9 times
Lake Elmo Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.45%
6-Month Certificate of Deposit
$0
4.32% ▲ 1.41% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.91%▲ 1.41% above avgNationally 2.81%
Details

Celebrate the Season promotional certificate; featured on homepage carousel

Rate History
No change since Nov 11, 2026 · 4.32% APY
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Month Certificate of Deposit (CD)
$500
4.31% ▲ 1.40% above Minnesota avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.91%▲ 1.40% above avgNationally 2.81%
Details

Certificate of Deposit; Early withdrawal: 90 days dividends; Terms less than 12 months

Rate History
No change since Oct 19, 2026 · 4.31% APY · checked 5 times
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25% ▲ 1.34% above Minnesota avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average2.91%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded

Plymouth 12 Month CD Rates

Minnesota 12 Month CD Average3.09% APYNational 3.03%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
12 Month Certificate
$0
4.25% ▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.03%
Details

Moneywise Available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
  • Oct 26, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Certificate Specials - 12 Month
$1,000
4.25% ▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.03%
Details

Balance: $1,000 and over; $1,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
12 Month Share Certificate
$1,000
4.00% ▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.03%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Platinum Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
605 Highway 169 N, Plymouth, MN 55441
12 Month CD
$5,000
3.85% ▲ 0.76% above Minnesota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 3.03%
Details

Interest compounds quarterly; 90 day interest penalty for early withdrawal

Rate History
No change since Oct 28, 2026 · 3.85% APY · checked 3 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 12 Months
$1,000
3.00% ▼ 0.09% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▼ 0.09% below avgNationally 3.03%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 12-month
$500
2.99% ▼ 0.10% below Minnesota avg
▼
Rate2.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▼ 0.10% below avgNationally 3.03%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 2.99% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.58% below Minnesota avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▼ 1.58% below avgNationally 3.03%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3000 Fernbrook Ln N, Plymouth, MN 55447
1 Year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.59% below Minnesota avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▼ 1.59% below avgNationally 3.03%
Details

Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 7 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
12 month add on CD
$100
1.00% ▼ 2.09% below Minnesota avg
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▼ 2.09% below avgNationally 3.03%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 5 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
12 month CD
$1,000
1.00% ▼ 2.09% below Minnesota avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.09%▼ 2.09% below avgNationally 3.03%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 5 times
Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
15600 36th Ave N, Plymouth, MN 55446
1 Year Certificate
$0
1.00% ▼ 2.09% below Minnesota avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.09%▼ 2.09% below avgNationally 3.03%
Details

Maximum deposit $250,000

Rate History
No change since Oct 31, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.34% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▼ 2.34% below avgNationally 3.03%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
12 Month Standard CD
$1,000
0.75% ▼ 2.34% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.09%▼ 2.34% below avgNationally 3.03%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate of Deposit
$0
4.63% ▲ 1.54% above Minnesota avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.09%▲ 1.54% above avgNationally 3.03%
Details

Balance: $35,000+

Rate History
No change since Sep 19, 2026 · 4.63% APY · checked 5 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
CD - 12 Months
$0
4.63% ▲ 1.54% above Minnesota avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.09%▲ 1.54% above avgNationally 3.03%
Details

Balance: $35,000+

Rate History
No change since Oct 21, 2026 · 4.63% APY · checked 4 times

Plymouth 18 Month CD Rates

Minnesota 18 Month CD Average3.16% APYNational 2.94%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
18 Month Share Certificate
$1,000
4.00% ▲ 0.84% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▲ 0.84% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Platinum Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
605 Highway 169 N, Plymouth, MN 55441
18 Month CD
$5,000
3.85% ▲ 0.69% above Minnesota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.16%▲ 0.69% above avgNationally 2.94%
Details

Interest compounds quarterly; 90 day interest penalty for early withdrawal

Rate History
No change since Oct 28, 2026 · 3.85% APY · checked 3 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 18 Months
$1,000
3.00% ▼ 0.16% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 0.16% below avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 18-month
$500
1.25% ▼ 1.91% below Minnesota avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▼ 1.91% below avgNationally 2.94%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.41% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 2.41% below avgNationally 2.94%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
18 Month Standard CD
$1,000
0.75% ▼ 2.41% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.16%▼ 2.41% below avgNationally 2.94%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
18 month CD
$1,000
0.03% ▼ 3.13% below Minnesota avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▼ 3.13% below avgNationally 2.94%
Details

Rate History
No change since Oct 22, 2026 · 0.03% APY · checked 5 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$1,000
4.37% ▲ 1.21% above Minnesota avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.16%▲ 1.21% above avgNationally 2.94%
Details

Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
  • Oct 9, 20264.37%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18-Month CD
$500
4.35% ▲ 1.19% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.19% above avgNationally 2.94%
Details

Current CD Special; $500 minimum opening deposit required to obtain APY; Rates effective as of 09/24/2026; Expires on or before 11/15/2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month Basic Certificate
$0
4.35% ▲ 1.19% above Minnesota avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.16%▲ 1.19% above avgNationally 2.94%
Details

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 6 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Relationship CD
$2,500
4.30% ▲ 1.14% above Minnesota avg
▼
Rate4.23%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.14% above avgNationally 2.94%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
  • Nov 5, 20264.30%▲ from 4.25%
  • Oct 14, 20264.25%first recorded
Peoples Bank Rock Valley, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18-Month CD Special
$2,500
4.25% ▲ 1.09% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

APY accurate as of 10/19/2026; Rate subject to change without notice; Early withdrawal penalties may apply

Rate History
No change since Oct 28, 2026 · 4.25% APY · checked 4 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 18 Month
$1,000
4.25% ▲ 1.09% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 5 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - Jumbo 18 Month
$0
4.25% ▲ 1.09% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply

Rate History
No change since Nov 3, 2026 · 4.25% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo CD
$500
4.25% ▲ 1.09% above Minnesota avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.16%▲ 1.09% above avgNationally 2.94%
Details

Balance: $250,000.00 and over; Effective October 14, 2026

Rate History
1 change since Oct 9, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
  • Oct 26, 20264.25%▲ from 4.15%
  • Oct 9, 20264.15%first recorded

Plymouth 24 Month CD Rates

Minnesota 24 Month CD Average3.10% APYNational 2.94%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Certificate Specials - 24 Month
$1,000
4.25% ▲ 1.15% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 1.15% above avgNationally 2.94%
Details

Balance: $1,000 and over; $1,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 6 times
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
24 Month Certificate
$0
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
24 Month Share Certificate
$1,000
4.00% ▲ 0.90% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 0.90% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 24 Months
$1,000
3.00% ▼ 0.10% below Minnesota avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▼ 0.10% below avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 5 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 24-month
$500
1.25% ▼ 1.85% below Minnesota avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▼ 1.85% below avgNationally 2.94%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.35% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▼ 2.35% below avgNationally 2.94%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
24 Month Standard CD
$1,000
0.75% ▼ 2.35% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▼ 2.35% below avgNationally 2.94%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
24 month CD
$1,000
0.03% ▼ 3.07% below Minnesota avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▼ 3.07% below avgNationally 2.94%
Details

Rate History
No change since Oct 22, 2026 · 0.03% APY · checked 5 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Relationship CD
$2,500
4.40% ▲ 1.30% above Minnesota avg
▼
Rate4.33%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▲ 1.30% above avgNationally 2.94%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.50% → 4.40% ▼ 0.10 pts · high 4.50% / low 4.40%
  • Nov 5, 20264.40%▼ from 4.50%
  • Oct 14, 20264.50%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month Certificates of Deposit
$0
4.40% ▲ 1.30% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.10%▲ 1.30% above avgNationally 2.94%
Details

Rate History
1 change since Oct 14, 2026 · 2.31% → 4.40% ▲ 2.09 pts · high 4.40% / low 2.31%
  • Oct 20, 20264.40%▲ from 2.31%
  • Oct 14, 20262.31%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Certificate of Deposit - 24 Months
$0
4.40% ▲ 1.30% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.10%▲ 1.30% above avgNationally 2.94%
Details

Rate History
1 change since Oct 20, 2026 · 2.31% → 4.40% ▲ 2.09 pts · high 4.40% / low 2.31%
  • Oct 22, 20264.40%▲ from 2.31%
  • Oct 20, 20262.31%first recorded
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
CD (Certificate of Deposit) Account - 24-Month
$5,000
4.32% ▲ 1.22% above Minnesota avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.10%▲ 1.22% above avgNationally 2.94%
Details

Fixed; Term renewal: 12-Month | Fixed

Rate History
No change since Oct 21, 2026 · 4.32% APY · checked 5 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month IRA share certificate
$1,000
4.27% ▲ 1.17% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.10%▲ 1.17% above avgNationally 2.94%
Details

Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.27% APY · checked 4 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month share certificate
$1,000
4.27% ▲ 1.17% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.10%▲ 1.17% above avgNationally 2.94%
Details

Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Year Two-Year CD
$0
4.27% ▲ 1.17% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.10%▲ 1.17% above avgNationally 2.94%
Details

APY range as printed: 4.27%-4.34%; Dividends paid at end of each quarter and at maturity; 180 day early withdrawal penalty

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.27% ▲ 0.92 pts · high 4.27% / low 3.35%
  • Nov 5, 20264.27%▲ from 3.35%
  • Sep 14, 20263.35%first recorded

Plymouth 36 Month CD Rates

Minnesota 36 Month CD Average2.94% APYNational 2.84%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
36 Month Certificate
$0
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 1.07% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
36 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 1.07% above avgNationally 2.84%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 36 Months
$1,000
3.50% ▲ 0.57% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▲ 0.57% above avgNationally 2.84%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 36-month
$500
1.25% ▼ 1.69% below Minnesota avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▼ 1.69% below avgNationally 2.84%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.19% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▼ 2.19% below avgNationally 2.84%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
36 Month Standard CD
$1,000
0.75% ▼ 2.19% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.94%▼ 2.19% below avgNationally 2.84%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
36 month CD
$1,000
0.04% ▼ 2.90% below Minnesota avg
▼
Rate0.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▼ 2.90% below avgNationally 2.84%
Details

Rate History
No change since Oct 22, 2026 · 0.04% APY · checked 5 times
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Fast Forward Term Share Certificate
$10
4.71% ▲ 1.78% above Minnesota avg
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.78% above avgNationally 2.84%
Details

$10 minimum at 36 months and requires a monthly deposit between $10 & $500

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.71% ▲ 0.22 pts · high 4.71% / low 4.49%
  • Nov 3, 20264.71%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Relationship CD
$2,500
4.50% ▲ 1.57% above Minnesota avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▲ 1.57% above avgNationally 2.84%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.60% → 4.50% ▼ 0.10 pts · high 4.60% / low 4.50%
  • Nov 5, 20264.50%▼ from 4.60%
  • Oct 14, 20264.60%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 3 Year
$500
4.30% ▲ 1.36% above Minnesota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▲ 1.36% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
  • Oct 20, 20264.30%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
36-month Share Certificate
$1,000
4.30% ▲ 1.36% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 1.36% above avgNationally 2.84%
Details

Interest paid quarterly; Effective October 26, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
  • Oct 29, 20264.30%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Term Share Certificate
$1,000
4.26% ▲ 1.32% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 1.32% above avgNationally 2.84%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
No change since Oct 26, 2026 · 4.26% APY · checked 4 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
Certificate of Deposit - 36 Month
$1,000
4.25% ▲ 1.32% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.94%▲ 1.32% above avgNationally 2.84%
Details

Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 5 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Jumbo Certificate
$25,000
4.25% ▲ 1.32% above Minnesota avg
▼
Rate4.19%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average2.94%▲ 1.32% above avgNationally 2.84%
Details

Jumbo Certificate

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
  • Nov 3, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - Jumbo 36 Month
$0
4.25% ▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.94%▲ 1.32% above avgNationally 2.84%
Details

Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply

Rate History
No change since Nov 3, 2026 · 4.25% APY · checked 2 times

Plymouth 48 Month CD Rates

Minnesota 48 Month CD Average2.93% APYNational 2.83%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
48 Month Certificate
$0
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
48 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.83%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 48 Months
$1,000
3.50% ▲ 0.57% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▲ 0.57% above avgNationally 2.83%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 48-month
$500
1.25% ▼ 1.68% below Minnesota avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▼ 1.68% below avgNationally 2.83%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.18% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▼ 2.18% below avgNationally 2.83%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
48 Month Standard CD
$1,000
0.75% ▼ 2.18% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average2.93%▼ 2.18% below avgNationally 2.83%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
48 month CD
$1,000
0.05% ▼ 2.88% below Minnesota avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▼ 2.88% below avgNationally 2.83%
Details

Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.86% ▲ 1.93% above Minnesota avg
▼
Rate4.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.93% above avgNationally 2.83%
Details

Balance: $75,000 - $199,999.99; Compounded Semi-Annually

Rate History
1 change since Oct 14, 2026 · 4.55% → 4.86% ▲ 0.31 pts · high 4.86% / low 4.55%
  • Oct 20, 20264.86%▲ from 4.55%
  • Oct 14, 20264.55%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Relationship CD
$2,500
4.55% ▲ 1.62% above Minnesota avg
▼
Rate4.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.62% above avgNationally 2.83%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.70% → 4.55% ▼ 0.15 pts · high 4.70% / low 4.55%
  • Nov 5, 20264.55%▼ from 4.70%
  • Oct 14, 20264.70%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.35% ▲ 1.42% above Minnesota avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.83%
Details

Balance: $25,000 - $74,999.99; Compounded Semi-Annually

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.35% ▲ 0.31 pts · high 4.35% / low 4.04%
  • Oct 20, 20264.35%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
48-month Share Certificate
$1,000
4.35% ▲ 1.42% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.83%
Details

Interest paid quarterly; Effective October 26, 2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
  • Oct 29, 20264.35%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 48 Months
$0
4.33% ▲ 1.40% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.40% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
  • 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 Term Share Certificate
$1,000
4.31% ▲ 1.38% above Minnesota avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.38% above avgNationally 2.83%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
No change since Oct 26, 2026 · 4.31% APY · checked 4 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposit - 4 Year
$500
4.30% ▲ 1.37% above Minnesota avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average2.93%▲ 1.37% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
  • Oct 20, 20264.30%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 48 Months
$0
4.28% ▲ 1.35% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average2.93%▲ 1.35% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
  • Oct 9, 20264.28%▲ from 3.67%
  • Sep 14, 20263.67%first recorded

Plymouth 60 Month CD Rates

Minnesota 60 Month CD Average3.04% APYNational 2.94%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
60 Month Certificate
$0
4.00% ▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Oct 26, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
60 Month Share Certificate
$1,000
4.00% ▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4190 Vinewood Ln N, Plymouth, MN 55442 1715
Share Certificate - 60 Months
$1,000
3.50% ▲ 0.46% above Minnesota avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▲ 0.46% above avgNationally 2.94%
Details

Balance: $1,000 - $9,999; Minimum balance of $1000 to open account

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 5 times
Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
15600 36th Ave N, Plymouth, MN 55446
5 Year Certificate
$0
1.75% ▼ 1.29% below Minnesota avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 5, 2026
Minnesota Average3.04%▼ 1.29% below avgNationally 2.94%
Details

Maximum deposit $250,000

Rate History
No change since Oct 31, 2026 · 1.75% APY · checked 2 times
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15705 37th Ave N, Plymouth, MN 55446
Certificate of Deposit - 60-month
$500
1.25% ▼ 1.79% below Minnesota avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.04%▼ 1.79% below avgNationally 2.94%
Details

Minimum balance to open the account: $500.00

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.29% below Minnesota avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▼ 2.29% below avgNationally 2.94%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3245 Vicksburg Ln N, Plymouth, MN 55447
60 Month Standard CD
$1,000
0.75% ▼ 2.29% below Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Minnesota Average3.04%▼ 2.29% below avgNationally 2.94%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 8 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2655 Campus Dr, Plymouth, MN 55441
60 month CD
$1,000
0.10% ▼ 2.94% below Minnesota avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.04%▼ 2.94% below avgNationally 2.94%
Details

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Relationship CD
$2,500
4.60% ▲ 1.56% above Minnesota avg
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Minnesota Average3.04%▲ 1.56% above avgNationally 2.94%
Details

Relationship: Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 4.75% → 4.60% ▼ 0.15 pts · high 4.75% / low 4.60%
  • Nov 5, 20264.60%▼ from 4.75%
  • Oct 14, 20264.75%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Relationship CD - 5 Year
$0
4.50% ▲ 1.46% above Minnesota avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Minnesota Average3.04%▲ 1.46% above avgNationally 2.94%
Details

Relationship CD; eligible with a Gate City Bank checking account

Rate History
1 change since Oct 21, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
  • Oct 31, 20264.50%▲ from 3.75%
  • Oct 21, 20263.75%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
60 Month Basic Certificate
$0
4.50% ▲ 1.46% above Minnesota avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Minnesota Average3.04%▲ 1.46% above avgNationally 2.94%
Details

Available as an IRA

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 6 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 60 Months
$0
4.49% ▲ 1.45% above Minnesota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.45% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
  • 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
$0
4.44% ▲ 1.40% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.40% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
  • 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 Term Share Certificate
$1,000
4.42% ▲ 1.38% above Minnesota avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.38% above avgNationally 2.94%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
No change since Oct 26, 2026 · 4.42% APY · checked 4 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
Share & IRA Certificates - 60 Months
$0
4.39% ▲ 1.35% above Minnesota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Minnesota Average3.04%▲ 1.35% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
  • Oct 9, 20264.39%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Powered by MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Plymouth, Minnesota Institutions

Highest verified APYs available today, updated November 12, 2026

B Top 5 Bank Rates
Platinum Bank
12 Month CD
A+ 5.0 ★ TX: 2.38%
Min: $5,000
3.85%
Center National Bank
Certificate of Deposit - 6-month
A+ 5.0 ★ TX: 0.03%
Min: $500
3.24%
Citizens Independent Bank
6 Month Certificate
A+ 5.0 ★ TX: 3.74%
Min: $0
3.00%
Wells Fargo
1 Year Standard Fixed Rate CD - Relationship
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Associated Bank
12 month add on CD
A+ 5.0 ★ TX: 3.45%
Min: $100
1.00%
CU Top 5 Credit Union Rates
TruStone Financial Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 4.56%
Min: $0
4.25%
TopLine Financial Credit Union
Certificate Specials - 12 Month
A 5.0 ★ TX: 6.54%
Min: $1,000
4.25%
Metropolitan Services Credit Union
6 Month NEW Youth CD
A+ 5.0 ★ TX: 0.00%
Min: $500
8.00%
Mid Minnesota Federal Credit Union
36 Month Fast Forward Term Share Certificate
A+ 5.0 ★ TX: 3.64%
Min: $10
4.71%
Affinity Plus Federal Credit Union
60 Month Basic Certificate
A+ 5.0 ★ TX: 4.41%
Min: $0
4.50%
Rates verified November 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Plymouth, MN CD Rate Trends

Compare local Plymouth, 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
3.091%
▼ 0.001 vs 7 days ago

Minnesota 12-month CD rates fell 0.001 points over the past 7 days to 3.091% APY.

6-Month CD MN Avg
2.914%
▲ 0.005 vs 7 days ago

Minnesota 6-month CD rates rose 0.005 points over the past 7 days to 2.914% APY.

As of Nov 12, 2026 • Rate data sourced from 8,500+ monitored institutions

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through November 2027?

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

MN 12-Month Avg APY
3.091%
6-Month Forecast
3.091%
Range: 2.89%, 3.24%
12-Month Forecast
3.341%
Range: 3.14%, 3.49%

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 1.28% 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 2.193% $109.66 $219.33 $548.32 $1,096.65
6-Month CD 2.914% $145.71 $291.42 $728.55 $1,457.10
12-Month CD 3.091% $154.54 $309.07 $772.68 $1,545.35
18-Month CD 3.162% $158.10 $316.20 $790.50 $1,581.00
24-Month CD 3.099% $154.96 $309.92 $774.80 $1,549.60
36-Month CD 2.935% $146.75 $293.50 $733.75 $1,467.50
48-Month CD 2.933% $146.65 $293.30 $733.25 $1,466.50
60-Month CD 3.041% $152.06 $304.12 $760.30 $1,520.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026.
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Sample CD Ladder for Plymouth, 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 2.193% $109.66
2 6-Month CD $5,000 2.914% $145.71
3 12-Month CD $5,000 3.091% $154.54
4 24-Month CD $5,000 3.099% $154.96
5 36-Month CD $5,000 2.935% $146.75
Total ($25,000 invested) $25,000 2.846% blended $711.62/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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1,750
CD Rates
Tracked in Plymouth, Minnesota
73 Banks 38 Credit Unions

About Our Plymouth, Minnesota CD Rate Database

MonitorBankRates tracks 1,750 CD rates from 73 banks and 38 credit unions with locations in Plymouth, 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: TruStone Financial Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Plymouth, Minnesota.

How to Find the Best CD Rates in Plymouth, Minnesota

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

To find the best APYs in Plymouth, Minnesota, start with credit unions and online-only banks: Plymouth, Minnesota has 38 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 Plymouth, 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 Plymouth, Minnesota: 111 institutions here report CD rates

Consider an Alternative If…

Plymouth, Minnesota Financial Snapshot

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

Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$73,644
National avg: $47,340
Poverty Rate
4.3%
National avg: 11.1%
Unemployment Rate
2.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$228/yr
At MN 12-mo avg 3.091% APY

17.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.3% reflects a strong local economy. At today’s MN 12-month CD average of 3.091%, saving 10% of the local median salary ($7,364/year) and putting it in a CD would earn an additional $228 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 Plymouth, 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

CD Product Information

How CDs Work

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 Plymouth, 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 Plymouth, Minnesota as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Plymouth, Minnesota savers easier access to their funds. For example, TruStone Financial Credit Union is offering its 6 Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TruStone Financial Credit Union is offering its 60 Month Certificate at 4.00% 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

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 Plymouth, 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

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 Plymouth, 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

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

What are CD rates in Plymouth, Minnesota today?

Plymouth, Minnesota CD rates range from 0.02% to 8.00% APY as of November 12, 2026, verified by MonitorBankRates. Top rates include 4.25% APY at TruStone Financial Credit Union (12 Month Certificate), 4.25% at TopLine Financial Credit Union (Certificate Specials - 12 Month) and 3.85% at Platinum Bank (12 Month CD), compared with the MonitorBankRates national 12 month average of 3.03% APY.

Are CD rates in Plymouth, Minnesota FDIC insured?

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

Here are recent top rates found for this area:
  • TruStone Financial Credit Union: 4.25% APY (12 Month Certificate)
  • TopLine Financial Credit Union: 4.25% APY (Certificate Specials - 12 Month)
  • Platinum Bank: 3.85% APY (12 Month CD)
  • Center National Bank: 3.24% APY (Certificate of Deposit - 6-month)
  • Citizens Independent Bank: 3.00% APY (6 Month Certificate)
  • Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
  • Associated Bank: 1.00% APY (12 month add on CD)
  • BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
  • Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
  • Cornerstone State Bank: 4.86% APY (IRA 36-48 month C.D.)
Rates reflect recent verified offers available in Plymouth, Minnesota. Last Updated: November 12, 2026

Plymouth, 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 Plymouth, 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 Plymouth, Minnesota CD Rates by Term

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

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Plymouth, 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 Plymouth, 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 Plymouth, 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: November 12, 2026

Plymouth, Minnesota Rates & Resources