CD Rates Saint Cloud, Minnesota (MN) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Saint Cloud, Minnesota CD rates include Spire Credit UnionSpire Credit Union3951 W Division St, Saint Cloud, MN 56301 3742A+5.0 ★Texas Ratio: 3.70% offering 12-Month Jumbo Certificate at 4.00% APY, Falcon National BankFalcon National Bank1010 W Saint Germain St, Saint Cloud, MN 56301A+5.0 ★Texas Ratio: 2.42% offering 6-Month CD at 3.95% APY, MidCountry BankMidCountry Bank1113 W Saint Germain St, Saint Cloud, MN 56301B+4.8 ★Texas Ratio: 17.71% offering Variable Rate Certificate of Deposit 24 Month Term at 3.80% APY, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282A+5.0 ★Texas Ratio: 5.62% offering 3 month Certificate at 3.75% APY, and TruStone Financial Credit UnionTruStone Financial Credit Union3240 W Division St, Saint Cloud, MN 56301 3821A+5.0 ★Texas Ratio: 5.44% offering 12 Month IRA Certificates at 3.60% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Saint Cloud, Minnesota, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Saint Cloud, Minnesota & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
3 month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
3 Month Relationship CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
3 Month IRA Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
400 1st St S, Saint Cloud, MN 56301
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
3 Month CD
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
700 Seville Dr, Jordan, MN 55352
3 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
3 Month Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 3 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 month Share Certificates & IRA Certificates
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
3 Month CD
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
3 Month CD
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
3 Month Share Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
3-Month CD
$2,500
1.21%
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
3 Month Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
117 S Minnesota Ave, Okabena, MN 56161
3-Month CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
3 Month Certificate
$0
0.90%
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
217 Main Ave E, Deer River, MN 56636
90 Day Certificate of Deposit
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
428 Central Ave N, Faribault, MN 55021
3 Month IRA Variable
$50
0.25%
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
26741 Felton Ave, Wyoming, MN 55092
3 Month CD
$2,000
0.10%
▼
Rate0.10%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
3 Month Certificates of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1010 W Saint Germain St, Saint Cloud, MN 56301
6-Month CD
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Expires on or before 3/15//2026.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
6 month Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
6 Month Relationship CD
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 6 Month Term
$1,000
3.13%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3130 2nd St S, Saint Cloud, MN 56301
6 Month Digital CD
$1,000
2.87%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
400 1st St S, Saint Cloud, MN 56301
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
6 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
17330 State Highway 371, Brainerd, MN 56401
6-Month CD
$1,000
4.11%
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
7638 Woida Rd, Baxter, MN 56425
6-Month CD Special
$5,000
4.04%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Effective 3/12/26
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN 55420
6 month Jumbo Certificate
$25,000
4.00%
▼
Rate3.94%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
14985 Glazier Ave, Apple Valley, MN 55124
6-Month Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
New money only.
FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
26741 Felton Ave, Wyoming, MN 55092
6 Month Relationship CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
6 Month CD
$100,000
3.78%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
6 Month CD Specials
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
6 Month CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
700 Seville Dr, Jordan, MN 55352
6 Month CD and IRA Accounts
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
301 N Ramsey Ave, Litchfield, MN 55355
6-month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
7685 Zachary Ln N, Maple Grove, MN 55369
6-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates 6 Month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
6 Month CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
5000 W 36th St, Saint Louis Park, MN 55416
6 Month Certificate
$1,000
3.00%
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
6 month Share Certificates & IRA Certificates
$500
2.99%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
101 State St N, Waseca, MN 56093
6 month CD
$2,000
2.92%
▼
Rate2.90%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 6 Month
$0
2.85%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
6 Month Certificate
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN 55109
6 Mo Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
9422 Ulysses St NE Ste 140, Blaine, MN 55434 3575
6 month Certificate
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
6 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 6 month
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Certificate
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
6 Month Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
6 month Share Certificates
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
6 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
6 Month Share Certificate
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
6-Month CD
$2,500
1.21%
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
6 Month Certificates of Deposit (CDs)
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
217 Main Ave E, Deer River, MN 56636
180 Day Certificate of Deposit
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
6 Month CD
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
6 Month Certificate
$2,000
0.65%
▼
Rate0.65%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
Certificates of Deposit & IRAs 6 Month
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
6 Month IRA Traditional IRA
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
6 Month Certificates of Deposit
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Spire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3951 W Division St, Saint Cloud, MN 56301 3742
12-Month Jumbo Certificate
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Jumbo Certificate requires a $100,000 Minimum Opening Deposit & Required Minimum to Obtain APY. All dividends are calculated daily and paid quarterly at calendar quarter end and maturity. APY accurate as of 2/23/2026. The APY stated is based on the assumption that dividends will remain on deposit until maturity; a withdrawal of dividends will reduce earnings. At maturity, the certificate will automatically renew under the new current rate and terms of the 12-month Jumbo certificate. Accountholder may be subject to an early withdrawal penalty. Early withdrawal may cause loss of accrued dividends not yet paid. Dividends will begin to accrue on the business day your deposits (including non-cash items/checks) are posted to your account. Dividends will continue to accrue during the Grace Period. Offer subject to termination at any time.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
12 Month IRA Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Moneywise Available
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
12 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Available as an IRA?
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 12 Month Term
$1,000
3.35%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3130 2nd St S, Saint Cloud, MN 56301
12 Month Digital CD
$1,000
3.20%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
1 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
400 1st St S, Saint Cloud, MN 56301
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
12 Month Fixed CD
$250
3.96%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
600 W 3rd Ave N, Aurora, MN 55705 1269
1 Year Certificate Accounts
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN 55420
12 month Jumbo Certificate
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
12 Month CD
$0
3.74%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
128 4th Ave S, Brownton, MN 55312
1 year HSA CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
12 Month Certificates of Deposit
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
12 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN 55902
1 year Certificate
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
1 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
$25,000 and over
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
1 year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
12 Month CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
414 N 5th Ave E, Truman, MN 56088
12 Month Certificate of Deposit/IRA
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN 55121 7707
Jumbo and Jumbo IRA Certificates 1 Year
$100,000
3.30%
▼
Rate3.26%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and Above
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
12-Month Term
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
50 Main St, Easton, MN 56025
12 Month "V" CD
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
306 S Main St, Blue Earth, MN 56013
1 Year CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Bank Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
812 Main St Nw, Elk River, MN 55330
Regular & IRA Certificate 1 Year
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
12 Month Roth IRA
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN 55109
12 Mo Share Certificates
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
12 month Share Certificates & IRA Certificates
$500
2.95%
▼
Rate2.93%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Owatonna
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
640 W Bridge St, Owatonna, MN 55060
Automatic Renewable Certificates 1 Year
$1,000
2.75%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
12 month Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
12 Month Certificates of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
9422 Ulysses St NE Ste 140, Blaine, MN 55434 3575
12 month Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
12 Month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Traditional IRA 12 Month
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
1 Year Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
217 W 42nd St, Hibbing, MN 55746
12 Month Certificate of Deposit
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
12 Month Share Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Austin City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
711 4th Ave NE, Austin, MN 55912
1-Year Term Share Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
12 Month Certificate
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
12 Month Certificates of Deposit (CDs)
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
12-Month CD
$1,000
1.21%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
1 Year CD
$500
1.15%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
12 Month IRA Roth IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
12 Month Certificate of Deposit
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
12 Month Certificate
$2,000
0.80%
▼
Rate0.80%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
Certificates of Deposit & IRAs 12 Month
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
428 Central Ave N, Faribault, MN 55021
12 Month CD'S AND IRA'S
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
202 N Main St, Lake Crystal, MN 56055
12 Month Certificate of Deposit
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
12 Month (Kids) Certificates of Deposit
$100
0.15%
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1010 W Saint Germain St, Saint Cloud, MN 56301
18-Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Expires on or before 3/15//2026.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
18 month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 18 Month Term
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Tier 2: $25,000 - $49,999.99
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
18 Month Fixed CD
$250
3.85%
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
15 E Main St, Crosby, MN 56441
18 Month CD
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
3025 145th St W, Rosemount, MN 55068
IRA/Roth IRA 18 Month+
$0
3.69%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
18 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
18 Month CD Specials
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
2300 30th St Nw, Faribault, MN 55021
18 month Certificates of Deposit and IRA's
$0
3.46%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
700 Seville Dr, Jordan, MN 55352
18 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
18 Month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Non-Relationship
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Jumbo IRA 18 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
18 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
18 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
18 Month Certificate
$500
2.99%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
18 month Share Certificates & IRA Certificates
$500
2.92%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
18 month Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN 55102
CD / IRA CD 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OSB Odin State Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.01%
101 E Main St, Odin, MN 56160
*Special 18 Month IRA CD
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 18 month
$0
2.56%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
101 State St N, Waseca, MN 56093
18 month CD
$2,000
2.51%
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 18 Month
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
18 Month IRA Certificate
$2,000
2.02%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
18 Month Share Certificate
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
18 Month IRA CD
$100
1.41%
▼
Rate1.40%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
18 Month Certificate
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
301 N Ramsey Ave, Litchfield, MN 55355
18-month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
18-Month CD
$1,000
1.21%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
18 Month Certificate of Deposit
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
Certificates of Deposit & IRAs 18 Month Add-on IRA only
$100
0.75%
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
18 Month Certificates of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Variable Rate Certificate of Deposit 24 Month Term
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
Early withdrawal penalty may apply; Rate applicable to new money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible.; 24 Month - Prime minus 3.00%; Current Prime Rate 7.00% as of 12/11/2025
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
24 month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
2 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7989 Lake Dr, Lino Lakes, MN 55014 1131
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
15 E Main St, Crosby, MN 56441
24 Month CD
$2,500
3.70%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
24 Month CD
$10,000
3.65%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Available for new money only
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
24 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
2 Year Certificates of Deposit
$25,000
3.57%
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
$25,000 and over
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month share certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
509 3rd St, Jackson, MN 56143
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
24 Month Certificate
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates 24 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
2 Year (24 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
24 Month CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
600 W 3rd Ave N, Aurora, MN 55705 1269
2 Year Certificate Accounts
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
102 Main St S, Hutchinson, MN 55350
2 Year Certificate
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
24 mo. CD
$0
3.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
306 S Main St, Blue Earth, MN 56013
2 Year CD
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Jumbo IRA 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN 55109
24 Mo Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
24 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
24 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
24-Month Term
$25,000
2.93%
▼
Rate2.90%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
128 4th Ave S, Brownton, MN 55312
2 year HSA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
Regular Certificates 24 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
24 month Share Certificates & IRA Certificates
$500
2.67%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
24 Month Roth IRA
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 24 month
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Traditional IRA 24 Month
$0
2.41%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
24 Month Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
24 Month Certificates of Deposit
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
101 State St N, Waseca, MN 56093
24 month CD
$2,000
2.25%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
24 Month Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
24 Month Roth IRA Certificate
$1,000
1.87%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
24 Month Certificate
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
24 Month Certificates of Deposit (CDs)
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
26741 Felton Ave, Wyoming, MN 55092
2 Year CD
$2,000
1.51%
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
2 Year CD
$500
1.41%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1151 Southview Blvd, South St Paul, MN 55075
24 month term
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
24 Month Certificate of Deposit
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
24 Month IRA Roth IRA
$500
1.05%
▼
Rate1.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
428 Central Ave N, Faribault, MN 55021
24 Month CD'S AND IRA'S
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
24 Month Certificate
$2,000
0.90%
▼
Rate0.90%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
202 N Main St, Lake Crystal, MN 56055
24 Month Certificate of Deposit
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
36 month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Available as an IRA?
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
3 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 36 Month Term
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Jumbo Certificate
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
36 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
3 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
$25,000 and over
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Share Certificates with Rate Bump Option 36 Month Jumbo
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minimum balance required to open account and earn the stated APY= $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 Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
700 Seville Dr, Jordan, MN 55352
36 Month CD and IRA Accounts
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
306 S Main St, Blue Earth, MN 56013
3 Year CD
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
36 month Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
36 Month CD
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
(Step up Rate)
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
3 Year (36 Month) CD
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $500 - $99,999
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
36 Month Certificate
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN 55109
36 Mo Share Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
102 Main St S, Hutchinson, MN 55350
3 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Roth IRA 36 Month
$0
2.92%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 36 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
36 Month CD
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
IRA Certificates 36 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 36 month
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
36 Month Certificate
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
36 Month Certificates of Deposit
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
36 month Share Certificates & IRA Certificates
$500
2.45%
▼
Rate2.43%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
36 Month Certificate
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 36 Month
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
36 Month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
3 Year "Step Up" Rate Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
36 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
26741 Felton Ave, Wyoming, MN 55092
3 Year CD
$2,000
2.02%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
217 Main Ave E, Deer River, MN 56636
Individual Retirement Account (IRA) 3 Year Term
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
(a, b, c)
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
36 Month Roth IRA Certificate
$1,000
1.97%
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
36 Month Certificate
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
3 Year CD
$500
1.66%
▼
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
36 Month Certificates of Deposit (CDs)
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1151 Southview Blvd, South St Paul, MN 55075
36 month term
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
301 N Ramsey Ave, Litchfield, MN 55355
36-month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
36 Month Certificate of Deposit
$500
1.20%
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
428 Central Ave N, Faribault, MN 55021
36 Month CD'S AND IRA'S
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
36 Month IRA Roth IRA
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
36 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
Certificates of Deposit & IRAs 36 Month
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
202 N Main St, Lake Crystal, MN 56055
36 Month Certificate of Deposit
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
3 Year (36 Month) Certificates of Deposit
$2,500
0.35%
▼
Rate0.35%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
48 month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
4 Year Relationship CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 48 Month Term Tier 4
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and over
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$75,000 to $199,999.99
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
48 Month Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year Certificates of Deposit
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
$25,000 and over
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
706 N Walnut St, Chaska, MN 55318
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
48 month Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Share Certificates with Rate Bump Option 48 Month Jumbo
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minimum balance required to open account and earn the stated APY= $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 Bump Option: Allows a one-time "bump" to the current rate during certificate term.
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
48 Month CD
$25,000
3.40%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
4 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
117 S Minnesota Ave, Okabena, MN 56161
4-Year CD
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
102 Main St S, Hutchinson, MN 55350
4 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Roth IRA 48 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
Regular Certificates 48 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
Jumbo IRA 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
48 Month Certificate
$10,000
2.84%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
48 Month Certificates of Deposit
$0
2.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
101 State St N, Waseca, MN 56093
48 month CD
$2,000
2.75%
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 48 month
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN 55426
48 Month Share Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
48 Month Certificate
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 48 Month
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
IRA (Individual Retirement Account) 48-Month | Fixed
$1,000
2.22%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
48 Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
48 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
48 Month Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
4 Year CD
$500
1.91%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
48 Month Certificates of Deposit (CDs)
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1151 Southview Blvd, South St Paul, MN 55075
48 month term
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
48 Month Certificate of Deposit
$500
1.30%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
301 N Ramsey Ave, Litchfield, MN 55355
48-month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
48 Month IRA Roth IRA
$500
1.21%
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
48 Month Certificate
$2,000
1.16%
▼
Rate1.15%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
Certificates of Deposit & IRAs 48 Month
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
202 N Main St, Lake Crystal, MN 56055
48 Month Certificate of Deposit
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
4 Year (48 Month) Certificates of Deposit
$10,000
0.40%
▼
Rate0.40%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3240 W Division St, Saint Cloud, MN 56301 3821
60 Month IRA Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301 6282
60 month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Available as an IRA?
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
1113 W Saint Germain St, Saint Cloud, MN 56301
Certificate of Deposit 60 Month Term Tier 4
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and over
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1001 4th St Se, Saint Cloud, MN 56304
5 Year Relationship CD
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 month Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
60 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Standard Share Certificates 60 Month
$35,000
3.70%
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
5 Year Certificates of Deposit
$25,000
3.65%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
$25,000 and over
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
398 Pacific Ave, Stephen, MN 56757
60 Month CD
$25,000
3.50%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
300 1st St W, Park Rapids, MN 56470
60 Month CD***
$10,000
3.44%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4625 County Highway 101, Minnetonka, MN 55345
5 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
730 Forest Ave E, Mora, MN 55051
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
5 Year (60 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Roth IRA 60 Month
$0
3.12%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN 55311 1565
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
117 S Minnesota Ave, Okabena, MN 56161
5-Year CD
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
60 Month Certificate
$10,000
3.04%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Citizens Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
513 Main St, Ormsby, MN 56162
Special IRA Certificates of Deposit 60 month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
60 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN 55904
60 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 60 Month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
400 Elm Ave, Moose Lake, MN 55767
5 Year CD
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 60 month
$0
2.70%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4450 W 76th St, Edina, MN 55435
60 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
5 Year "Step Up" Rate Certificate
$0
2.55%
▼
Rate2.53%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
26741 Felton Ave, Wyoming, MN 55092
5 Year CD
$2,000
2.52%
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
217 Main Ave E, Deer River, MN 56636
Individual Retirement Account (IRA) 5 Year Term
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
(a, b, c)
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 60 Month
$0
2.40%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Root River State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 3rd St Se, Chatfield, MN 55923
60 Month Certificate
$0
2.35%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
60 month Share Certificates & IRA Certificates
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
60 Month Share Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 E Marion St, Lake City, MN 55041
5 Year CD
$500
2.17%
▼
Rate2.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
110 Atlantic Ave W, Grove City, MN 56243
60 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
128 4th Ave S, Brownton, MN 55312
5 year IRA CD Qualifying
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Balance up to $9,999.99
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN 55014 3035
60 Month Certificates of Deposit (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 - $9,999.99
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
60 Month Certificate of Deposit
$500
1.40%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Penalty may be imposed for early withdrawal.
Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5921 Main St, Rockford, MN 55373
60 Month Certificate
$2,000
1.31%
▼
Rate1.30%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
301 N Ramsey Ave, Litchfield, MN 55355
60-month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
202 N Main St, Lake Crystal, MN 56055
60 Month Certificate of Deposit
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
230 W Main St, Arlington, MN 55307
5 Year (60 Month) Certificates of Deposit
$5,000
0.50%
▼
Rate0.50%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Saint Cloud, MN CD Rate Trends
Compare local Saint Cloud, MN CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MN Avg
2.465%
▼ 0.556 from last week
Minnesota 12-month CD rates fell 0.556 points this week to 2.465% APY, down from 3.022% last week.
6-Month CD — MN Avg
2.001%
▼ 0.908 from last week
Minnesota 6-month CD rates fell 0.908 points this week to 2.001% APY, down from 2.909% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Saint Cloud, Minnesota
Are CD rates in Saint Cloud, Minnesota FDIC insured?
Yes, most established banks in Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, Minnesota?
Here are recent top rates found for this area:
- Spire Credit Union: 4.00% APY (12-Month Jumbo Certificate)
- Falcon National Bank: 3.95% APY (6-Month CD)
- MidCountry Bank: 3.80% APY (Variable Rate Certificate of Deposit 24 Month Term)
- Affinity Plus Federal Credit Union: 3.75% APY (3 month Certificate)
- TruStone Financial Credit Union: 3.60% APY (12 Month IRA Certificates)
- Gate City Bank: 3.50% APY (4 Year Relationship CD)
- Minnwest Bank: 3.20% APY (12 Month Digital CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
- Heritage Bank Minnesota: 4.16% APY (6 Month Fixed CD)
Rates reflect recent verified offers available in Saint Cloud, Minnesota. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saint Cloud, Minnesota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Cloud, 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: March 28, 2026
