Scandia, Minnesota Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Scandia, Minnesota CD rates from banks and credit unions serving Minnesota range from 0.40% to 8.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Scandia, Minnesota CD rates include Metropolitan Services Credit UnionMetropolitan Services Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +5.20%APY minus CPI (February 2026) offering 6 Month NEW Youth CD at 8.00% APY, Nicolet BankNicolet BankA+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month Relationship CD at 4.75% APY, PSB of PlainviewPSB of PlainviewA-4.7 ★Texas Ratio: 9.93%Real return: +1.83%APY minus CPI (February 2026) offering 12 Month Certificate at 4.63% APY, Cornerstone State BankCornerstone State BankA5.0 ★Texas Ratio: 6.12%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, and Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A5.0 ★Texas Ratio: 12.05%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month CD at 4.50% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Scandia is a smaller community with no bank or credit union branches currently in our database. 778 institutions serving the Minnesota area are available to Scandia residents, with CD rates as high as 8.00% APY from Metropolitan Services Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 19, 2026
Compare Best CD Rates in Scandia, Minnesota & the Surrounding Area
Scandia 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16%
▲ 2.04% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 2.04% above avgNationally 2.12%
Details
Early withdrawal penalty: 91 Days Interest; Minimum early withdrawal penalty $25; Rates current as of December 18, 2025
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Share Certificate - 3-Month Special
$500
4.15%
▲ 2.03% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.12%▲ 2.03% above avgNationally 2.12%
Details
Special rate for new certificates only; does not apply to renewals; at maturity renews to a 6-month term; rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Share Certificate
$1,000
4.00%
▲ 1.88% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.88% above avgNationally 2.12%
Details
Balance: $1,000 - $9,999
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 10, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.91%
▲ 1.79% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.79% above avgNationally 2.12%
Details
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.91% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.73% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.73% above avgNationally 2.12%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.85%
▲ 1.73% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.73% above avgNationally 2.12%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 14, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.85%
▲ 1.73% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.73% above avgNationally 2.12%
Details
Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.80%
▲ 1.68% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.68% above avgNationally 2.12%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.80%
▲ 1.68% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 1.68% above avgNationally 2.12%
Details
Balance: $100,000+*
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3 Month Certificate
$0
3.76%
▲ 1.64% above Minnesota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 1.64% above avgNationally 2.12%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Month Basic Certificate
$0
3.75%
▲ 1.63% above Minnesota avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.12%▲ 1.63% above avgNationally 2.12%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Term Share Certificates
$1,000
3.75%
▲ 1.63% above Minnesota avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.12%▲ 1.63% above avgNationally 2.12%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 3.59% → 3.75% ▲ 0.16 pts · high 3.75% / low 3.59%
- Oct 13, 20263.75%▲ from 3.59%
- Sep 18, 20263.59%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.70%
▲ 1.58% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 1.58% above avgNationally 2.12%
Details
Balance: $25,000 - $99,999*
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Business Share Certificate
$1,000
3.70%
▲ 1.58% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.58% above avgNationally 2.12%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
3.60%
▲ 1.48% above Minnesota avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 1.48% above avgNationally 2.12%
Details
Balance: $1,000 - $24,999*
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.55%
▲ 1.43% above Minnesota avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.43% above avgNationally 2.12%
Details
Balance: $50,000.00-$99,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.55%
▲ 1.43% above Minnesota avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.43% above avgNationally 2.12%
Details
Interest not compounded, paid at maturity (terms of 12 months or less)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
3 Month Certificate
$500
3.50%
▲ 1.38% above Minnesota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.38% above avgNationally 2.12%
Details
Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.28% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.28% above avgNationally 2.12%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month Relationship CD
$0
3.40%
▲ 1.28% above Minnesota avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 1.28% above avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
3 Month C.D.
$1,000
3.39%
▲ 1.27% above Minnesota avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.27% above avgNationally 2.12%
Details
Balance: $0.01 to $24,999.99; Compounded Quarterly
Rate History
No change since Oct 14, 2026 · 3.39% APY
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 3 Months
$0
3.29%
▲ 1.17% above Minnesota avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.17% above avgNationally 2.12%
Details
Balance: $1,000-$49,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 2 times
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Certificate of Deposit - 3 Months
$0
3.25%
▲ 1.13% above Minnesota avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.13% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 3 Month
$0
3.15%
▲ 1.03% above Minnesota avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 1.03% above avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
- Sep 18, 20263.15%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month Relationship CD
$2,500
3.05%
▲ 0.93% above Minnesota avg
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.93% above avgNationally 2.12%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Regular CD
$500
3.00%
▲ 0.88% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.88% above avgNationally 2.12%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
3 Month Regular & IRA Certificate
$0
3.00%
▲ 0.88% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.12%▲ 0.88% above avgNationally 2.12%
Details
Balance: $500.00 - $24,999.99; Effective Date: October 18, 2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month (90 Day) CD
$0
2.90%
▲ 0.78% above Minnesota avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 0.78% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90%
▲ 0.78% above Minnesota avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.12%▲ 0.78% above avgNationally 2.12%
Details
$500 minimum balance
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 7 times
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
3 Month Certificate of Deposit
$1,000
2.75%
▲ 0.63% above Minnesota avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.63% above avgNationally 2.12%
Details
Relationship Rate; relationship balance of $50,000 or more; $1,000 minimum opening deposit
Rate History
1 change since Sep 14, 2026 · 0.50% → 2.75% ▲ 2.25 pts · high 2.75% / low 0.50%
- Oct 2, 20262.75%▲ from 0.50%
- Sep 14, 20260.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month CD
$2,500
2.75%
▲ 0.63% above Minnesota avg
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.63% above avgNationally 2.12%
Details
Minimum $2500 to open
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 MONTH CD
$0
2.67%
▲ 0.55% above Minnesota avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.12%▲ 0.55% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.67% APY · checked 6 times
CNB of Park Rapids
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3 Month CD
$1,000
2.53%
▲ 0.41% above Minnesota avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▲ 0.41% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 3 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Month Certificate of Deposit
$1,000
2.52%
▲ 0.40% above Minnesota avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.40% above avgNationally 2.12%
Details
Balance: $10,000 - $49,999.99
Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 3 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Certificate
$0
2.50%
▲ 0.38% above Minnesota avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.38% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month IRA Certificate
$0
2.50%
▲ 0.38% above Minnesota avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.38% above avgNationally 2.12%
Details
IRA; Traditional and Roth IRA Certificates have a $2,500.00 minimum balance
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Traditional & Roth IRA Certificate
$2,500
2.50%
▲ 0.38% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▲ 0.38% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$500
2.05%
▼ 0.07% below Minnesota avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.07% below avgNationally 2.12%
Details
Balance: $150,000+
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit
$0
2.02%
▼ 0.10% below Minnesota avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.10% below avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 8 times
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$25,000
2.02%
▼ 0.10% below Minnesota avg
▼
Rate2.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▼ 0.10% below avgNationally 2.12%
Details
Balance: $25,000 and over
Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
3 Month CD
$1,000
2.01%
▼ 0.11% below Minnesota avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.11% below avgNationally 2.12%
Details
Early Withdrawal Penalty: 1 month
Rate History
No change since Sep 24, 2026 · 2.01% APY · checked 6 times
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Youth Certificate of Deposit
$25
2.01%
▼ 0.11% below Minnesota avg
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.12%▼ 0.11% below avgNationally 2.12%
Details
$25 minimum & $5000 maximum
Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 6 times
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3 Month Share Certificate
$0
2.00%
▼ 0.12% below Minnesota avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.12%▼ 0.12% below avgNationally 2.12%
Details
Rate History
No change since Sep 21, 2026 · 2.00% APY · checked 7 times
SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
1.97%
▼ 0.15% below Minnesota avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.15% below avgNationally 2.12%
Details
Regular CD; minimum balance $500.00; rates effective as of September 29, 2026
Rate History
No change since Oct 14, 2026 · 1.97% APY
SSB of Wanamingo
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Individual Retirement Accounts (IRAs) - 3 Month
$0
1.97%
▼ 0.15% below Minnesota avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.15% below avgNationally 2.12%
Details
Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 1.97% APY
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$10,000
1.96%
▼ 0.16% below Minnesota avg
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▼ 0.16% below avgNationally 2.12%
Details
Balance: $10,000 - $24,999.99
Rate History
No change since Oct 7, 2026 · 1.96% APY · checked 2 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$500
1.95%
▼ 0.17% below Minnesota avg
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.17% below avgNationally 2.12%
Details
Balance: $100,000-$149,999
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 5 times
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificate
$1,000
1.91%
▼ 0.21% below Minnesota avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.12%▼ 0.21% below avgNationally 2.12%
Details
Balance: $1,000 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.91% APY · checked 2 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$500
1.90%
▼ 0.22% below Minnesota avg
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.22% below avgNationally 2.12%
Details
Balance: $50,000-$99,999
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 5 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$500
1.85%
▼ 0.27% below Minnesota avg
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.12%▼ 0.27% below avgNationally 2.12%
Details
Balance: $25,000-$49,999
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 5 times
Scandia 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$500
8.00%
▲ 5.08% above Minnesota avg
▼
Rate8.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 5.08% above avgNationally 2.79%
Details
$500-$1,000; Limit of one CD per member
Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 6 times
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Month Certificate of Deposit (CD)
$0
4.31%
▲ 1.39% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.39% above avgNationally 2.79%
Details
Minimum deposit: $500 for 6 months; $1000 for terms greater than 12 months; Early withdrawal: terms less than 12 months 90 days dividends
Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 4 times
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.79%
Details
Balance: $500 - $9,999.99
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
6 Month Fixed CD
$250
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.79%
Details
Early withdrawal penalty: 181 Days Interest; Minimum early withdrawal penalty $25; Rates current as of December 18, 2025
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6-month share certificate
$1,000
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.79%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 8 times
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 1.23% above Minnesota avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.23% above avgNationally 2.79%
Details
Promotional CD available only October 6 - December 31, 2026; new deposits only; $10,000 minimum deposit to open and earn the APY; upon maturity renews once at 3.65% (3.68% APY) for the same 6-month term; early withdrawal penalty may apply
Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
- Oct 8, 20264.15%▲ from 4.04%
- Sep 30, 20264.04%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 6 Months
$0
4.14%
▲ 1.22% above Minnesota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.22% above avgNationally 2.79%
Details
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 2 times
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6-Month CD
$500
4.10%
▲ 1.18% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.79%
Details
Current CD Special; $500 minimum opening deposit required to obtain APY; penalty may be applied for early withdrawal; fees may reduce earnings; not valid with any other offer; rates effective as of 09/24/2026; expires on or before 10/18/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
CD Specials - 6 Month
$5,000
4.06%
▲ 1.14% above Minnesota avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.14% above avgNationally 2.79%
Details
Balance: $5,000.00 minimum; CD Special compounds quarterly and credits interest quarterly; Rates valid as of September 30, 2026
Rate History
No change since Oct 14, 2026 · 4.06% APY
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6-Month CD
$0
4.05%
▲ 1.13% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.13% above avgNationally 2.79%
Details
Published APY range: 4.05%-4.11%. Dividends paid at the end of each quarter and at maturity; 60 day early withdrawal penalty on 6 Month CD
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 6 Months
$0
4.04%
▲ 1.12% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.12% above avgNationally 2.79%
Details
Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity
Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 2 times
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 6 Month
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.79%
Details
Current CD Specials; $1,000 is the minimum balance requirement to obtain APY; Interest rate and APY may change after account opening; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Prime Security Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month CD
$0
4.00%
▲ 1.08% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.79%
Details
High-yield 6 month CDs; Let your money grow. Locally.
Rate History
No change since Oct 14, 2026 · 4.00% APY
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Share Certificate
$1,000
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.79%
Details
Balance: $1,000 - $9,999
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 10, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 6 Month
$500
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.79%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Term Share Certificates
$1,000
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.79%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Oct 13, 20263.95%▲ from 3.80%
- Sep 18, 20263.80%first recorded
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 Month Certificate Special
$0
3.90%
▲ 0.98% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.98% above avgNationally 2.79%
Details
Rake In The Savings! promotion; fall certificate special
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Jumbo Certificate
$25,000
3.85%
▲ 0.93% above Minnesota avg
▼
Rate3.80%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 0.93% above avgNationally 2.79%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Jumbo CD
$500
3.85%
▲ 0.93% above Minnesota avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.93% above avgNationally 2.79%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Jumbo IRA Certificate of Deposit
$500
3.85%
▲ 0.93% above Minnesota avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.93% above avgNationally 2.79%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.84%
▲ 0.92% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.92% above avgNationally 2.79%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
6 Month Certificate
$0
3.81%
▲ 0.89% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.89% above avgNationally 2.79%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 3.81% APY · checked 2 times
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Certificate Accounts - 6 Months
$0
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.79%
Details
Rates effective November 20, 2025
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month Basic Certificate
$0
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.79%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.79%
▲ 0.87% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.87% above avgNationally 2.79%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$0
3.78%
▲ 0.86% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.86% above avgNationally 2.79%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 8 times
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.78%
▲ 0.86% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.86% above avgNationally 2.79%
Details
Balance: $100,000+*
Rate History
No change since Oct 7, 2026 · 3.78% APY · checked 2 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75%
▲ 0.83% above Minnesota avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.79%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate
$0
3.75%
▲ 0.83% above Minnesota avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.79%
Details
New deposits
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month IRA Certificate
$0
3.75%
▲ 0.83% above Minnesota avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.79%
Details
IRA; New deposits; Traditional and Roth IRA Certificates have a $2,500.00 minimum balance
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
$2,500
3.75%
▲ 0.83% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.79%
Details
Term: 6 Months (new deposits); New deposits
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Certificate of Deposit
$1,000
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Balance: $10,000 - $49,999.99
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 6-month
$0
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; APY means Annual Percentage Yield; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Certificate
$500
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
One time NO PENALTY withdrawal
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate of Deposit
$500
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate
$0
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Current deposits
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month IRA Certificate
$0
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
IRA; Current deposits; Traditional and Roth IRA Certificates have a $2,500.00 minimum balance
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
$2,500
3.70%
▲ 0.78% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Term: 6 Months (current deposits); Current deposits
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Business Share Certificate
$1,000
3.70%
▲ 0.78% above Minnesota avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.78% above avgNationally 2.79%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.68%
▲ 0.76% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.76% above avgNationally 2.79%
Details
Balance: $25,000 - $99,999*
Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.65%
▲ 0.73% above Minnesota avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.73% above avgNationally 2.79%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 5 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
6 Month Certificate
$500
3.60%
▲ 0.68% above Minnesota avg
▼
Rate3.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.68% above avgNationally 2.79%
Details
Interest not compounded, paid at maturity (terms of 12 months or less)
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month Jumbo and Jumbo IRA Certificates
$100,000
3.59%
▲ 0.67% above Minnesota avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.67% above avgNationally 2.79%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46%
- Oct 14, 20263.59%▲ from 3.46%
- Sep 18, 20263.46%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 6 Months
$100,000
3.59%
▲ 0.67% above Minnesota avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.67% above avgNationally 2.79%
Details
Dividend Rate 3.54%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46%
- Oct 14, 20263.59%▲ from 3.46%
- Sep 14, 20263.46%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate
$0
3.58%
▲ 0.66% above Minnesota avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.66% above avgNationally 2.79%
Details
Balance: $1,000 - $24,999*
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
6 Month Fixed Rate Certificates of Deposit
$0
3.55%
▲ 0.63% above Minnesota avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.63% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
FSB of Red Wing
Institution Rating:
F1.6 ★Texas Ratio: 11.96%
6 Month Certificates of Deposit
$500
3.55%
▲ 0.63% above Minnesota avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.63% above avgNationally 2.79%
Details
Certificates of Deposit require a $500.00 deposit to open the account and obtain the APY
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 4 times
Scandia 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate
$0
4.63%
▲ 1.54% above Minnesota avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 1.54% above avgNationally 3.01%
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
- Sep 24, 20264.63%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month IRA Share Certificate
$1,000
4.27%
▲ 1.18% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.18% above avgNationally 3.01%
Details
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic
Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 9, 20264.27%▲ from 4.11%
- Sep 18, 20264.11%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month share certificate
$1,000
4.27%
▲ 1.18% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.18% above avgNationally 3.01%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 9, 20264.27%▲ from 4.11%
- Sep 18, 20264.11%▲ from 4.06%
- Sep 14, 20264.06%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
12 Month Certificate
$0
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.01%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1 Year IRA Term Share Certificates-Traditional & Roth
$0
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Term Share Certificates
$0
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.01%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Certificate Specials - 12 Month
$1,000
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 3.01%
Details
Balance: $1,000+; $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.25% APY
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month Business Certificate of Deposit
$0
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 3.01%
Details
Business Account Rates; Rates current as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.20% APY
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month Special CD
$0
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 3.01%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.20% APY
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Special CD - 12 Months
$0
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 3.01%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.20% APY
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Term Share Certificates
$1,000
4.16%
▲ 1.07% above Minnesota avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.07% above avgNationally 3.01%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 13, 20264.16%▲ from 4.06%
- Sep 18, 20264.06%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 12 Months
$0
4.15%
▲ 1.06% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.06% above avgNationally 3.01%
Details
Balance: $250,000.00 and up; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 12 Month
$25,000
4.15%
▲ 1.06% above Minnesota avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.06% above avgNationally 3.01%
Details
Balance: $25,000 or more
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 22, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month CD
$0
4.10%
▲ 1.01% above Minnesota avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.01% above avgNationally 3.01%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 2.31%
- Sep 18, 20262.31%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
4.06%
▲ 0.97% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 3.01%
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 12 Months
$0
4.06%
▲ 0.97% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 3.01%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 4.06% APY
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
12 Month Certificate of Deposit (CD)
$0
4.06%
▲ 0.97% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 3.01%
Details
Minimum deposit: $500 for 6 months; $1000 for terms greater than 12 months; Early withdrawal: terms less than 12 months 90 days dividends
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month FlexRate
$0
4.06%
▲ 0.97% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 3.01%
Details
Certificate; FlexRate - one rate change allowed during the certificate term
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.06% ▲ 0.56 pts · high 4.06% / low 3.50%
- Oct 19, 20264.06%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 12 Month
$500
4.05%
▲ 0.96% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.96% above avgNationally 3.01%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
1 change since Oct 9, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Oct 9, 20263.95%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$500
4.05%
▲ 0.96% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.96% above avgNationally 3.01%
Details
Balance: $100,000-$149,999
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Sep 27, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
4.01%
▲ 0.92% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.92% above avgNationally 3.01%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 12 Months
$0
4.01%
▲ 0.92% above Minnesota avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.92% above avgNationally 3.01%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.01% APY
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 12 Month
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Current CD Specials; $1,000 is the minimum balance requirement to obtain APY; Interest rate and APY may change after account opening; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 18, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Relationship CD
$2,500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Sep 24, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 12 Months
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Balance: $100,000.00-$249,999.99; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 12 Month
$500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 22, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$10,000
4.00%
▲ 0.91% above Minnesota avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 9 times
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate Special - 12 Months
$10,000
4.00%
▲ 0.91% above Minnesota avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Limited time offer; minimum of $10,000.00 to open and earn APY; $5,000.00 of the funds must be new to Sentry Bank; APY fixed for initial term; certificate automatically renews at maturity; penalty for early withdrawal; APY accurate as of May 27, 2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
12 Month Certificate
$500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Interest not compounded, paid at maturity (terms of 12 months or less)
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
12 Month Certificate
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Balance: $500.00
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 7, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
12 Month Regular CD
$500
4.00%
▲ 0.91% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 3 times
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
12 Month Special CDs
$5,000
4.00%
▲ 0.91% above Minnesota avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Certificate Accounts - 1 Year
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Rates effective November 20, 2025
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Flex Certificate - 1 Year Youth Flex Certificate
$100
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Max balance $20,000; Youth Flex Certificate only for members ages 0-21; additional deposits of $10 or more up to max limit allowed per day; one time option to change the rate offered on the same product; one time option to withdraw up to 25% of principal with no penalty
Rate History
No change since Oct 14, 2026 · 4.00% APY
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 27, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month Certificate
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Moneywise Available; footnote 2 applies
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month Share Certificate
$1,000
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 3.01%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.25% / low 4.00%
- Oct 14, 20264.00%▼ from 4.25%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 3.01%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 12 Months
$0
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 3.01%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 3.96% APY
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
1 Year Certificate
$0
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 3.01%
Details
Rate History
No change since Oct 11, 2026 · 3.96% APY
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
12 Month Fixed CD
$250
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 3.01%
Details
Early withdrawal penalty: 181 Days Interest; Minimum early withdrawal penalty $25; Rates current as of December 18, 2025
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 7 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Jumbo Certificate
$25,000
3.95%
▲ 0.86% above Minnesota avg
▼
Rate3.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 0.86% above avgNationally 3.01%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month Jumbo CD
$500
3.95%
▲ 0.86% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.86% above avgNationally 3.01%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month Jumbo IRA Certificate of Deposit
$500
3.95%
▲ 0.86% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.86% above avgNationally 3.01%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
12 Month Certificate of Deposit
$500
3.91%
▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.82% above avgNationally 3.01%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 12 Months
$0
3.91%
▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.82% above avgNationally 3.01%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 14, 2026 · 3.91% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.91%
▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.82% above avgNationally 3.01%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 5 times
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
12 Month Certificate of Deposit
$0
3.90%
▲ 0.81% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 0.81% above avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$500
3.90%
▲ 0.81% above Minnesota avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.81% above avgNationally 3.01%
Details
Balance: $500-$24,999
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Sep 27, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.85%
▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 3.01%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 5 times
Scandia 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$1,000
4.37%
▲ 1.19% above Minnesota avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 1.19% above avgNationally 2.88%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; 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%
▲ 1.17% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 1.17% above avgNationally 2.88%
Details
Current CD Special; $500 minimum opening deposit required to obtain APY; penalty may be applied for early withdrawal; fees may reduce earnings; not valid with any other offer; rates effective as of 09/24/2026; expires on or before 10/18/2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- 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%
▲ 1.17% above Minnesota avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.18%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30%
▲ 1.12% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 1.12% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Relationship CD
$2,500
4.25%
▲ 1.07% above Minnesota avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 1.07% above avgNationally 2.88%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
IRA/Roth IRA 18 Month+
$250
4.25%
▲ 1.07% above Minnesota avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 1.07% above avgNationally 2.88%
Details
Method of Compounding: Daily
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
18 Month Certificate
$0
4.25%
▲ 1.07% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 1.07% above avgNationally 2.88%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 18 Month
$500
4.25%
▲ 1.07% above Minnesota avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 1.07% above avgNationally 2.88%
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 19, 20264.25%▲ from 4.15%
- Oct 9, 20264.15%first recorded
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
18 Month Certificate of Deposit
$0
4.20%
▲ 1.02% above Minnesota avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 5 times
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18 Month CD Special
$2,500
4.20%
▲ 1.02% above Minnesota avg
▼
Rate4.13%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.18%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 3 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 18 Months
$0
4.15%
▲ 0.97% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.97% above avgNationally 2.88%
Details
Balance: $250,000.00 and up; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo CD
$500
4.15%
▲ 0.97% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.97% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 19, 20264.15%▲ from 4.05%
- Oct 13, 20264.05%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Jumbo IRA Certificate of Deposit
$500
4.15%
▲ 0.97% above Minnesota avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.97% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 19, 20264.15%▲ from 4.05%
- Oct 13, 20264.05%first recorded
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$2,000
4.11%
▲ 0.93% above Minnesota avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 0.93% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.51% → 4.11% ▲ 1.60 pts · high 4.11% / low 2.51%
- Oct 7, 20264.11%▲ from 2.51%
- Sep 14, 20262.51%first recorded
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
18 Month Certificate
$0
4.06%
▲ 0.88% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 4.06% APY
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificates
$100,000
4.01%
▲ 0.83% above Minnesota avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.83% above avgNationally 2.88%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 5 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 Months
$100,000
4.01%
▲ 0.83% above Minnesota avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.83% above avgNationally 2.88%
Details
Dividend Rate 3.95%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 2 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 18 Months
$0
4.00%
▲ 0.82% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $100,000.00-$249,999.99; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 - 18 Month Choose Your Term Certificate of Deposit
$15,000
4.00%
▲ 0.82% above Minnesota avg
▼
RateN/A
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Earn up to 4.00% APY on choice of CD term from 6 to 18 months; Refinance your existing CD from another institution; Early withdrawal penalties apply if closed before maturity
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.00% ▲ 0.29 pts · high 4.00% / low 3.71%
- Oct 8, 20264.00%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Jumbo Share Certificate
$35,000
4.00%
▲ 0.82% above Minnesota avg
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month
$0
4.00%
▲ 0.82% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate of Deposit
$500
4.00%
▲ 0.82% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 13, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 19, 20264.00%▲ from 3.90%
- Oct 13, 20263.90%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month IRA Certificate of Deposit
$500
4.00%
▲ 0.82% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 9, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 19, 20264.00%▲ from 3.90%
- Oct 9, 20263.90%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
18 Month Share Certificate
$1,000
4.00%
▲ 0.82% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.00% APY
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA Certificates
$500
3.96%
▲ 0.78% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.78% above avgNationally 2.88%
Details
$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 18 Months
$500
3.96%
▲ 0.78% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.78% above avgNationally 2.88%
Details
$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 7 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month CD
$2,500
3.95%
▲ 0.77% above Minnesota avg
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.77% above avgNationally 2.88%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Sep 24, 20263.95%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.95%
▲ 0.77% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.77% above avgNationally 2.88%
Details
New deposits
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate
$0
3.95%
▲ 0.77% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.77% above avgNationally 2.88%
Details
IRA; New deposits; Traditional and Roth IRA Certificates have a $2,500.00 minimum balance
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.95%
▲ 0.77% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.77% above avgNationally 2.88%
Details
Term: 18 Months (new deposits); New deposits
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
18 Month Certificate
$500
3.90%
▲ 0.72% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.72% above avgNationally 2.88%
Details
Interest compounded and paid quarterly (terms greater than 12 months)
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.90%
▲ 0.72% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.72% above avgNationally 2.88%
Details
Current deposits
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate
$0
3.90%
▲ 0.72% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.72% above avgNationally 2.88%
Details
IRA; Current deposits; Traditional and Roth IRA Certificates have a $2,500.00 minimum balance
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.90%
▲ 0.72% above Minnesota avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.72% above avgNationally 2.88%
Details
Term: 18 Months (current deposits); Current deposits
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
18 Month Fixed CD
$250
3.85%
▲ 0.67% above Minnesota avg
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.67% above avgNationally 2.88%
Details
Early withdrawal penalty: 365 Days Interest; Minimum early withdrawal penalty $25; Rates current as of December 18, 2025
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.84%
▲ 0.66% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.66% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Bonanza Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month Certificate
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH CD
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$500
3.80%
▲ 0.62% above Minnesota avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.62% above avgNationally 2.88%
Details
Balance: $100,000-$149,999
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.79%
▲ 0.61% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.61% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Standard Share Certificate
$2,500
3.75%
▲ 0.57% above Minnesota avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 18 Month
$0
3.75%
▲ 0.57% above Minnesota avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$500
3.75%
▲ 0.57% above Minnesota avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.57% above avgNationally 2.88%
Details
Balance: $50,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
18 Month Certificate of Deposit
$25,000
3.71%
▲ 0.53% above Minnesota avg
▼
Rate3.66%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.18%▲ 0.53% above avgNationally 2.88%
Details
Balance: $25,000 and over
Rate History
No change since Oct 14, 2026 · 3.71% APY
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month IRA/HSA Certificate of Deposit
$0
3.70%
▲ 0.52% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Balance: $25,000 - $999,999,999.99
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 18-month
$0
3.70%
▲ 0.52% above Minnesota avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.18%▲ 0.52% above avgNationally 2.88%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; APY means Annual Percentage Yield; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Scandia 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Relationship CD
$2,500
4.50%
▲ 1.41% above Minnesota avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.41% above avgNationally 2.90%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50%
▲ 1.41% above Minnesota avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.41% above avgNationally 2.90%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month Business Certificate of Deposit
$0
4.40%
▲ 1.31% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.31% above avgNationally 2.90%
Details
Business Account Rates; Rates current as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month Special CD
$0
4.40%
▲ 1.31% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.31% above avgNationally 2.90%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
Special CD - 24 Months
$0
4.40%
▲ 1.31% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.31% above avgNationally 2.90%
Details
Specials only: valid until October 30, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 24 Month
$25,000
4.35%
▲ 1.26% above Minnesota avg
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Balance: $25,000 or more
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 14, 20264.35%▲ from 4.20%
- Sep 22, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month IRA Share Certificate
$1,000
4.27%
▲ 1.18% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.18% above avgNationally 2.90%
Details
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic
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
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month share certificate
$1,000
4.27%
▲ 1.18% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.18% above avgNationally 2.90%
Details
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; automatic renewal; 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
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 month CD
$2,000
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25%
- Oct 7, 20264.25%▲ from 2.25%
- Sep 14, 20262.25%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
24 Month Certificate
$0
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Certificate Accounts - 2 Year
$0
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rates effective November 20, 2025
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 4, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Certificate Specials - 24 Month
$1,000
4.25%
▲ 1.16% above Minnesota avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Balance: $1,000+; $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.25% APY
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Month Term Share Certificates
$1,000
4.21%
▲ 1.12% above Minnesota avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 1.12% above avgNationally 2.90%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.11% → 4.21% ▲ 0.10 pts · high 4.21% / low 4.11%
- Oct 13, 20264.21%▲ from 4.11%
- Sep 18, 20264.11%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month CD
$2,500
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 2.90%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 24, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 24 Month
$500
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 22, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Year Relationship CD
$0
4.20%
▲ 1.11% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 1.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
- Oct 3, 20264.20%▲ from 3.50%
- Sep 19, 20263.50%first recorded
MidCountry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
24 Month Variable Rate Certificate of Deposit
$25,000
4.06%
▲ 0.97% above Minnesota avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 2.90%
Details
Rate: Prime minus 3.00%; Current Prime Rate 7.00% as of 9/17/2026; Rate applicable to new money only; IRA accounts are not eligible; Early withdrawal penalty may apply; Fees may reduce earnings
Rate History
No change since Oct 14, 2026 · 4.06% APY
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Month Certificate
$0
4.06%
▲ 0.97% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 0.97% above avgNationally 2.90%
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
- Sep 24, 20264.06%▲ from 3.44%
- Sep 14, 20263.44%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 24 Month
$500
4.05%
▲ 0.96% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.96% above avgNationally 2.90%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
2 changes since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 19, 20264.05%▲ from 3.85%
- Oct 13, 20263.85%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Jumbo and Jumbo IRA Certificates
$100,000
4.04%
▲ 0.95% above Minnesota avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.95% above avgNationally 2.90%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
- Oct 14, 20264.04%▲ from 3.84%
- Sep 18, 20263.84%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 2 Years
$100,000
4.04%
▲ 0.95% above Minnesota avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.95% above avgNationally 2.90%
Details
Dividend Rate 3.98%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
- Oct 14, 20264.04%▲ from 3.84%
- Sep 14, 20263.84%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 24 Months
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Balance: $100,000.00-$249,999.99; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
State Bank of Faribault
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month Certificate Special
$1,000
4.00%
▲ 0.91% above Minnesota avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 24, 20264.00%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month Certificate of Deposit
$500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Certificate of Deposit - 24 Months
$500
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rates effective as of July 20, 2026
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 3 times
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Share Certificate - 24-month
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; APY means Annual Percentage Yield; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Jumbo Certificate
$25,000
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.95%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
24 Month Basic Certificate
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2 Year IRA Term Share Certificates-Traditional & Roth
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Term Share Certificates
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Business Jumbo Share Certificate
$35,000
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Traditional Jumbo Share Certificate
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 24 Month
$0
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 9, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Share Certificate Special
$500
4.00%
▲ 0.91% above Minnesota avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Share Certificate special offer; promotional 24 Months at 4.00% APY*; rates effective as of October 13, 2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month Share Certificate
$1,000
4.00%
▲ 0.91% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.25% / low 4.00%
- Oct 14, 20264.00%▼ from 4.25%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year IRA Certificates
$500
3.99%
▲ 0.90% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.90% above avgNationally 2.90%
Details
$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
- Oct 14, 20263.99%▲ from 3.79%
- Sep 18, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 2 Years
$500
3.99%
▲ 0.90% above Minnesota avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.90% above avgNationally 2.90%
Details
$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026
Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
- Oct 10, 20263.99%▲ from 3.84%
- Oct 1, 20263.84%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 24 Months
$0
3.96%
▲ 0.87% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.87% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.96% APY
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
24 Month Jumbo CD
$500
3.95%
▲ 0.86% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.86% above avgNationally 2.90%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
24 Month Jumbo IRA Certificate of Deposit
$500
3.95%
▲ 0.86% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.86% above avgNationally 2.90%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
24 Month Share & IRA Certificates
$0
3.92%
▲ 0.83% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.83% above avgNationally 2.90%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.92% ▲ 0.41 pts · high 3.92% / low 3.51%
- Oct 19, 20263.92%▲ from 3.51%
- Sep 18, 20263.51%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.91%
▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.82% above avgNationally 2.90%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 24 Months
$0
3.91%
▲ 0.82% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.82% above avgNationally 2.90%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.91% APY
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
24 Month Share & IRA Certificates
$0
3.87%
▲ 0.78% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.09%▲ 0.78% above avgNationally 2.90%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
- Oct 19, 20263.87%▲ from 3.41%
- Sep 18, 20263.41%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
24 Month Certificate of Deposit
$500
3.85%
▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 24 Months
$0
3.85%
▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 3.85% APY
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate Special - 24 Months
$10,000
3.85%
▲ 0.76% above Minnesota avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Limited time offer; minimum of $10,000.00 to open and earn APY; $5,000.00 of the funds must be new to Sentry Bank; APY fixed for initial term; certificate automatically renews at maturity; penalty for early withdrawal; APY accurate as of May 27, 2026
Rate History
No change since Oct 14, 2026 · 3.85% APY
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
2 Year Certificate
$0
3.85%
▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Rate History
No change since Oct 11, 2026 · 3.85% APY
Scandia 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Relationship CD
$2,500
4.60%
▲ 1.68% above Minnesota avg
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.68% above avgNationally 2.82%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Term Share Certificates
$1,000
4.26%
▲ 1.34% above Minnesota avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.34% above avgNationally 2.82%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
- Oct 13, 20264.26%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 36 Month
$25,000
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.18%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.82%
Details
Balance: $25,000 or more
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 22, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
36 Month Certificate
$0
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.82%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.82%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
$0
4.25%
▲ 1.33% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.33% above avgNationally 2.82%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.22%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.30% above avgNationally 2.82%
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.22%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.30% above avgNationally 2.82%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 4.22% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.82%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.16%
▲ 1.24% above Minnesota avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.24% above avgNationally 2.82%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.16% APY
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificates
$100,000
4.13%
▲ 1.21% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.21% above avgNationally 2.82%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
- Oct 14, 20264.13%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$100,000
4.13%
▲ 1.21% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.21% above avgNationally 2.82%
Details
Dividend Rate 4.07%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
- Oct 14, 20264.13%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.11%
▲ 1.19% above Minnesota avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.19% above avgNationally 2.82%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.11%
▲ 1.19% above Minnesota avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.19% above avgNationally 2.82%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 4.11% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month CD
$2,500
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.82%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Sep 24, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 36 Month
$500
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 22, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Jumbo Certificate
$25,000
4.10%
▲ 1.18% above Minnesota avg
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.18% above avgNationally 2.82%
Details
Jumbo Certificate
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year IRA Certificates
$500
4.08%
▲ 1.16% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.16% above avgNationally 2.82%
Details
$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
- Oct 14, 20264.08%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 3 Years
$500
4.08%
▲ 1.16% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.16% above avgNationally 2.82%
Details
$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026
Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
- Oct 10, 20264.08%▲ from 4.06%
- Oct 1, 20264.06%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
36 Month Certificate of Deposit
$500
4.06%
▲ 1.14% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.14% above avgNationally 2.82%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 36 Months
$0
4.06%
▲ 1.14% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.14% above avgNationally 2.82%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 14, 2026 · 4.06% APY
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 36 Month
$500
4.05%
▲ 1.13% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.13% above avgNationally 2.82%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 19, 20264.05%▲ from 3.75%
- Oct 9, 20263.75%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
Certificates of Deposit - 36 Months
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Balance: $100,000.00-$249,999.99; Compounding: Annually
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month Basic Certificate
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Standard Share Certificate
$2,500
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Share Certificate
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 36 Month
$0
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
36 Month Share Certificate
$1,000
4.00%
▲ 1.08% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 1.08% above avgNationally 2.82%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.00% APY
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month Share & IRA Certificates
$0
3.98%
▲ 1.06% above Minnesota avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.06% above avgNationally 2.82%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.67% → 3.98% ▲ 0.31 pts · high 3.98% / low 3.67%
- Oct 19, 20263.98%▲ from 3.67%
- Sep 18, 20263.67%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Certificate
$500
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month IRA Certificate
$500
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.82%
Details
IRA Certificate (Traditional, Roth, or Educational)
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Step-Up CD
$1,000
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.82%
Details
Step-Up Certificate
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month Jumbo CD
$500
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.82%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 19, 20263.95%▲ from 3.65%
- Oct 13, 20263.65%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month Jumbo IRA Certificate of Deposit
$500
3.95%
▲ 1.03% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.03% above avgNationally 2.82%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 19, 20263.95%▲ from 3.65%
- Oct 13, 20263.65%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month Share & IRA Certificates
$0
3.93%
▲ 1.01% above Minnesota avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 1.01% above avgNationally 2.82%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.56% → 3.93% ▲ 0.37 pts · high 3.93% / low 3.56%
- Oct 19, 20263.93%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3 Year Certificate of Deposit
$0
3.91%
▲ 0.99% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.99% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 4 Month's Interest
Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month Share & IRA Certificates
$0
3.88%
▲ 0.96% above Minnesota avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.96% above avgNationally 2.82%
Details
Minimum Balance: $500
Rate History
1 change since Sep 18, 2026 · 3.46% → 3.88% ▲ 0.42 pts · high 3.88% / low 3.46%
- Oct 19, 20263.88%▲ from 3.46%
- Sep 18, 20263.46%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.85%
▲ 0.93% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.93% above avgNationally 2.82%
Details
Balance: $35,000+
Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
- Sep 27, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Year Certificate of Deposit
$25,000
3.81%
▲ 0.89% above Minnesota avg
▼
Rate3.76%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.89% above avgNationally 2.82%
Details
Balance: $25,000 and over
Rate History
No change since Oct 14, 2026 · 3.81% APY
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Sep 24, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
36 Month Certificate
$500
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Interest compounded and paid quarterly (terms greater than 12 months)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month IRA/HSA Certificate of Deposit
$0
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $25,000 - $999,999,999.99
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
36 Month Fixed Rate Certificates of Deposit
$0
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 3, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month Certificate of Deposit
$500
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 13, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 19, 20263.80%▲ from 3.50%
- Oct 13, 20263.50%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month IRA Certificate of Deposit
$500
3.80%
▲ 0.88% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.92%▲ 0.88% above avgNationally 2.82%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 9, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 19, 20263.80%▲ from 3.50%
- Oct 9, 20263.50%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.75%
▲ 0.83% above Minnesota avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.92%▲ 0.83% above avgNationally 2.82%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Scandia 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Relationship CD
$2,500
4.70%
▲ 1.77% above Minnesota avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.77% above avgNationally 2.81%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.55%
▲ 1.62% above Minnesota avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.62% above avgNationally 2.81%
Details
IRA; Compounded Semi-Annually; Balance: $75,000 - $199,999.99
Rate History
No change since Oct 14, 2026 · 4.55% APY
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 48 Month
$25,000
4.35%
▲ 1.42% above Minnesota avg
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.42% above avgNationally 2.81%
Details
Balance: $25,000 or more
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 22, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.33%
▲ 1.40% above Minnesota avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.40% above avgNationally 2.81%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
- Oct 19, 20264.33%▲ from 3.77%
- Sep 18, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Month Term Share Certificates
$1,000
4.31%
▲ 1.38% above Minnesota avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.38% above avgNationally 2.81%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.21% → 4.31% ▲ 0.10 pts · high 4.31% / low 4.21%
- Oct 13, 20264.31%▲ from 4.21%
- Sep 18, 20264.21%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.28%
▲ 1.35% above Minnesota avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.35% above avgNationally 2.81%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
- Oct 19, 20264.28%▲ from 3.67%
- Sep 18, 20263.67%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
48 Month Certificate
$0
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
$0
4.25%
▲ 1.32% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 9, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$0
4.23%
▲ 1.30% above Minnesota avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.30% above avgNationally 2.81%
Details
Minimum Balance: $500
Rate History
1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
- Oct 19, 20264.23%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD
$2,500
4.20%
▲ 1.27% above Minnesota avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Sep 24, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 48 Month
$500
4.20%
▲ 1.27% above Minnesota avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 22, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Jumbo and Jumbo IRA Certificates
$100,000
4.13%
▲ 1.20% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 14, 20264.13%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$100,000
4.13%
▲ 1.20% above Minnesota avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Dividend Rate 4.07%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 14, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year IRA Certificates
$500
4.08%
▲ 1.15% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.15% above avgNationally 2.81%
Details
$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
- Oct 14, 20264.08%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 4 Years
$500
4.08%
▲ 1.15% above Minnesota avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.15% above avgNationally 2.81%
Details
$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026
Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
- Oct 10, 20264.08%▼ from 4.09%
- Oct 1, 20264.09%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.06%
▲ 1.13% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.13% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 48 Months
$0
4.06%
▲ 1.13% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.13% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 4.06% APY
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 48 Month
$500
4.05%
▲ 1.12% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.12% above avgNationally 2.81%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 19, 20264.05%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.04%
▲ 1.11% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.11% above avgNationally 2.81%
Details
IRA; Compounded Semi-Annually; Balance: $25,000 - $74,999.99
Rate History
No change since Oct 14, 2026 · 4.04% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
4.01%
▲ 1.08% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.08% above avgNationally 2.81%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 48 Months
$0
4.01%
▲ 1.08% above Minnesota avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.08% above avgNationally 2.81%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.01% APY
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month Basic Certificate
$0
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Standard Share Certificate
$2,500
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 9, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Share Certificate
$0
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 48 Month
$0
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 9, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
48 Month Share Certificate
$1,000
4.00%
▲ 1.07% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.00% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
3.96%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.03% above avgNationally 2.81%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 48 Months
$0
3.96%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 1.03% above avgNationally 2.81%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 3.96% APY
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.96%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 1.03% above avgNationally 2.81%
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
- Sep 27, 20263.96%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4 Year Certificate of Deposit
$0
3.96%
▲ 1.03% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 1.03% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 5 Month's Interest
Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Jumbo CD
$500
3.95%
▲ 1.02% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.02% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 19, 20263.95%▲ from 3.65%
- Oct 13, 20263.65%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Jumbo IRA Certificate of Deposit
$500
3.95%
▲ 1.02% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 1.02% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 19, 20263.95%▲ from 3.65%
- Oct 13, 20263.65%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
48 Month Certificate of Deposit
$500
3.91%
▲ 0.98% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 0.98% above avgNationally 2.81%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 48 Months
$0
3.91%
▲ 0.98% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 0.98% above avgNationally 2.81%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 14, 2026 · 3.91% APY
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
4 Year Certificate of Deposit
$25,000
3.90%
▲ 0.97% above Minnesota avg
▼
Rate3.84%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 0.97% above avgNationally 2.81%
Details
Balance: $25,000 and over
Rate History
No change since Oct 14, 2026 · 3.90% APY
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
48 Month Fixed Rate Certificates of Deposit
$0
3.90%
▲ 0.97% above Minnesota avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
- Oct 3, 20263.90%▲ from 3.25%
- Sep 14, 20263.25%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.85%
▲ 0.92% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Balance: $10,000 - $34,999.99
Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 2.93%
- Sep 27, 20263.85%▲ from 2.93%
- Sep 24, 20262.93%▼ from 3.24%
- Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Months CD
$0
3.85%
▲ 0.92% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Balance: $10,000 - $34,999.99
Rate History
1 change since Sep 27, 2026 · 2.93% → 3.85% ▲ 0.92 pts · high 3.85% / low 2.93%
- Oct 7, 20263.85%▲ from 2.93%
- Sep 27, 20262.93%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
48 Month Certificate
$500
3.85%
▲ 0.92% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Interest compounded and paid quarterly (terms greater than 12 months)
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month IRA/HSA Certificate of Deposit
$0
3.85%
▲ 0.92% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Balance: $25,000 - $999,999,999.99
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Certificates of Deposit - 4 Years
$100
3.80%
▲ 0.87% above Minnesota avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average2.93%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 5 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Certificate of Deposit
$500
3.80%
▲ 0.87% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 0.87% above avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 13, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 19, 20263.80%▲ from 3.50%
- Oct 13, 20263.50%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month IRA Certificate of Deposit
$500
3.80%
▲ 0.87% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 0.87% above avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 9, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 19, 20263.80%▲ from 3.50%
- Oct 9, 20263.50%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
48-month Share Certificate
$1,000
3.80%
▲ 0.87% above Minnesota avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average2.93%▲ 0.87% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.75%
▲ 0.82% above Minnesota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Balance: $250 - $9,999.99
Rate History
2 changes since Sep 19, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 2.83%
- Sep 27, 20263.75%▲ from 2.83%
- Sep 24, 20262.83%▼ from 3.14%
- Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Months CD
$0
3.75%
▲ 0.82% above Minnesota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Balance: $250 - $9,999.99
Rate History
1 change since Sep 27, 2026 · 2.83% → 3.75% ▲ 0.92 pts · high 3.75% / low 2.83%
- Oct 7, 20263.75%▲ from 2.83%
- Sep 27, 20262.83%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month IRA/HSA Certificate of Deposit
$0
3.75%
▲ 0.82% above Minnesota avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Balance: $10,000 - $24,999.99
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Scandia 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Relationship CD
$2,500
4.75%
▲ 1.71% above Minnesota avg
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.71% above avgNationally 2.93%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
60 Month Basic Certificate
$0
4.50%
▲ 1.46% above Minnesota avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.04%▲ 1.46% above avgNationally 2.93%
Details
Available as an IRA
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.49%
▲ 1.45% above Minnesota avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.45% above avgNationally 2.93%
Details
Minimum Balance: $25,000
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
- Oct 19, 20264.49%▲ from 3.87%
- Sep 18, 20263.87%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.44%
▲ 1.40% above Minnesota avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.40% above avgNationally 2.93%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 18, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
- Oct 19, 20264.44%▲ from 3.77%
- Sep 18, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Term Share Certificates
$1,000
4.42%
▲ 1.38% above Minnesota avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.38% above avgNationally 2.93%
Details
Dividends compounded and paid quarterly; early withdrawal penalty applies; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.31% → 4.42% ▲ 0.11 pts · high 4.42% / low 4.31%
- Oct 13, 20264.42%▲ from 4.31%
- Sep 18, 20264.31%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 60 Month
$25,000
4.40%
▲ 1.36% above Minnesota avg
▼
Rate4.33%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.36% above avgNationally 2.93%
Details
Balance: $25,000 or more
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Sep 22, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$0
4.39%
▲ 1.35% above Minnesota avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.35% above avgNationally 2.93%
Details
Minimum Balance: $500
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
- Oct 19, 20264.39%▲ from 3.67%
- Sep 18, 20263.67%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month CD
$2,500
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 24, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CD (Certificate of Deposit) - 60 Month
$500
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 22, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
60 Month Certificate
$0
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
$0
4.25%
▲ 1.21% above Minnesota avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.93%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 9, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificates
$100,000
4.09%
▲ 1.05% above Minnesota avg
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.05% above avgNationally 2.93%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
- Oct 14, 20264.09%▲ from 4.08%
- Sep 18, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years
$100,000
4.09%
▲ 1.05% above Minnesota avg
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.05% above avgNationally 2.93%
Details
Dividend Rate 4.03%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
- Oct 14, 20264.09%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
60 Month Share Certificate
$1,000
4.07%
▲ 1.03% above Minnesota avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Minnesota Average3.04%▲ 1.03% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.06%
▲ 1.02% above Minnesota avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.93%
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
4.06%
▲ 1.02% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.93%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 4.06% APY
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
5 Year - Step Up Certificate of Deposit
$0
4.06%
▲ 1.02% above Minnesota avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.93%
Details
Early Withdrawal Penalty: 6 Month's Interest
Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Certificates of Deposit - 5 Years
$1,000
4.06%
▲ 1.02% above Minnesota avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.93%
Details
Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 5 times
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Jumbo CD - 60 Month
$500
4.05%
▲ 1.01% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 1.01% above avgNationally 2.93%
Details
Balance: $250,000.00 and over; Effective October 14, 2026
Rate History
1 change since Oct 9, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Oct 9, 20263.95%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year IRA Certificates
$500
4.04%
▲ 1.00% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.93%
Details
$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
- Oct 14, 20264.04%▲ from 4.03%
- Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 5 Years
$500
4.04%
▲ 1.00% above Minnesota avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.93%
Details
$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
- Oct 10, 20264.04%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
4.01%
▲ 0.97% above Minnesota avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.97% above avgNationally 2.93%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
4.01%
▲ 0.97% above Minnesota avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.97% above avgNationally 2.93%
Details
Balance: $40,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.01% APY
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
60 Month Fixed Rate Certificates of Deposit
$0
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
- Oct 3, 20264.00%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month CD
$1,000
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Regular Certificate; 180-day penalty of dividends for early withdrawal; dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Standard Share Certificate
$2,500
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 9, 20264.00%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Share Certificate
$0
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 60 Month
$0
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 9, 20264.00%▲ from 3.45%
- Sep 14, 20263.45%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
60 Month Share Certificate
$1,000
4.00%
▲ 0.96% above Minnesota avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.93%
Details
Balance: $1,000 - $9,999; Share Certificate & IRA/Roth Share Certificate, $1,000 minimum opening balance
Rate History
No change since Oct 14, 2026 · 4.00% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
3.96%
▲ 0.92% above Minnesota avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.93%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
3.96%
▲ 0.92% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.93%
Details
Balance: $10,000 - $39,999.99
Rate History
No change since Oct 14, 2026 · 3.96% APY
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.96%
▲ 0.92% above Minnesota avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.93%
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
- Sep 27, 20263.96%▲ from 3.24%
- Sep 14, 20263.24%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Jumbo CD
$500
3.95%
▲ 0.91% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.91% above avgNationally 2.93%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Jumbo IRA Certificate of Deposit
$500
3.95%
▲ 0.91% above Minnesota avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.91% above avgNationally 2.93%
Details
Balance: $100,000.00 - $249,999.99; Effective October 14, 2026; Consult your tax adviser
Rate History
1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 19, 20263.95%▲ from 3.85%
- Oct 13, 20263.85%first recorded
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
5 Year Certificate of Deposit
$25,000
3.91%
▲ 0.87% above Minnesota avg
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.93%
Details
Balance: $25,000 and over
Rate History
No change since Oct 14, 2026 · 3.91% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
60 Month Certificate of Deposit
$500
3.91%
▲ 0.87% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.93%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 7 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
Certificate of Deposit - 60 Months
$0
3.91%
▲ 0.87% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.93%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 14, 2026 · 3.91% APY
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
5 Year Certificate of Deposit
$0
3.91%
▲ 0.87% above Minnesota avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.93%
Details
Early Withdrawal Penalty: 6 Month's Interest
Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
60 Month Certificate
$500
3.90%
▲ 0.86% above Minnesota avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.86% above avgNationally 2.93%
Details
Interest compounded and paid quarterly (terms greater than 12 months)
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.85%
▲ 0.81% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.93%
Details
Balance: $10,000 - $34,999.99
Rate History
1 change since Sep 19, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
- Sep 27, 20263.85%▲ from 3.14%
- Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Months CD
$0
3.85%
▲ 0.81% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.93%
Details
Balance: $10,000 - $34,999.99
Rate History
1 change since Sep 27, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
- Oct 7, 20263.85%▲ from 3.14%
- Sep 27, 20263.14%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month IRA/HSA Certificate of Deposit
$0
3.85%
▲ 0.81% above Minnesota avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.93%
Details
Balance: $25,000 - $999,999,999.99
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
60 Month Fixed Rate Certificates of Deposit
$0
3.85%
▲ 0.81% above Minnesota avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$500
3.80%
▲ 0.76% above Minnesota avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.93%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Certificate of Deposit
$1,000
3.80%
▲ 0.76% above Minnesota avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.93%
Details
Rate History
1 change since Sep 19, 2026 · 3.03% → 3.80% ▲ 0.77 pts · high 3.80% / low 3.03%
- Oct 3, 20263.80%▲ from 3.03%
- Sep 19, 20263.03%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Certificate of Deposit
$500
3.80%
▲ 0.76% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.93%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 13, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 19, 20263.80%▲ from 3.70%
- Oct 13, 20263.70%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month IRA Certificate of Deposit
$500
3.80%
▲ 0.76% above Minnesota avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.93%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 9, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 19, 20263.80%▲ from 3.70%
- Oct 9, 20263.70%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Scandia, MN CD Rate Trends
Compare local Scandia, MN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MN Avg
3.090%
▲ 0.032 vs 7 days ago
Minnesota 12-month CD rates rose 0.032 points over the past 7 days to 3.090% APY.
6-Month CD MN Avg
2.918%
▲ 0.018 vs 7 days ago
Minnesota 6-month CD rates rose 0.018 points over the past 7 days to 2.918% APY.
As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions
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MN CD Rate Forecast, Next 12 Months
Where are Minnesota CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
3.090%
6-Month Forecast
3.090%
Range: 2.89%, 3.24%
12-Month Forecast
3.340%
Range: 3.14%, 3.49%
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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 | 2.122% | $106.12 | $212.24 | $530.60 | $1,061.20 |
| 6-Month CD | 2.918% | $145.89 | $291.78 | $729.45 | $1,458.90 |
| 12-Month CD | 3.090% | $154.51 | $309.01 | $772.53 | $1,545.05 |
| 18-Month CD | 3.179% | $158.93 | $317.86 | $794.65 | $1,589.30 |
| 24-Month CD | 3.090% | $154.48 | $308.96 | $772.40 | $1,544.80 |
| 36-Month CD | 2.919% | $145.95 | $291.90 | $729.75 | $1,459.50 |
| 48-Month CD | 2.925% | $146.26 | $292.52 | $731.30 | $1,462.60 |
| 60-Month CD | 3.044% | $152.22 | $304.44 | $761.10 | $1,522.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Scandia, Minnesota Savers
$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.122% | $106.12 |
| 2 | 6-Month CD | $5,000 | 2.918% | $145.89 |
| 3 | 12-Month CD | $5,000 | 3.090% | $154.51 |
| 4 | 24-Month CD | $5,000 | 3.090% | $154.48 |
| 5 | 36-Month CD | $5,000 | 2.919% | $145.95 |
| Total ($25,000 invested) | $25,000 | 2.828% blended | $706.95/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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1,548
CD Rates
Tracked in Scandia, Minnesota
Tracked in Scandia, Minnesota
73 Banks
42 Credit Unions
About Our Scandia, Minnesota CD Rate Database
MonitorBankRates tracks 1,548 CD rates from 73 banks and 42 credit unions with locations in Scandia, Minnesota, plus national online institutions available to Minnesota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Metropolitan Services Credit Union offers a CD at 8.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Scandia, Minnesota.
How to Find the Best CD Rates in Scandia, Minnesota
What to compare when shopping for a CD in Scandia, Minnesota
To find the best APYs in Scandia, Minnesota, start with credit unions and online-only banks: Scandia, Minnesota has 42 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 Scandia, 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 Scandia, Minnesota: 115 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Scandia, Minnesota savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Scandia, Minnesota money market rates
Scandia, Minnesota Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
27.9%
National avg: 17.3%
Median Individual Earnings
$55,743
National avg: $47,340
Poverty Rate
1.9%
National avg: 11.1%
Unemployment Rate
1.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$172/yr
At MN 12-mo avg 3.090% APY
27.9% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.7% reflects a strong local economy. At today’s MN 12-month CD average of 3.090%, saving 10% of the local median salary ($5,574/year) and putting it in a CD would earn an additional $172 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 Scandia, Minnesota
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Scandia, Minnesota
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Scandia, 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 Scandia, Minnesota as everywhere in the U.S.
Choosing a CD Term in Scandia, Minnesota
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Scandia, Minnesota savers easier access to their funds. For example, Metropolitan Services Credit Union is offering its 6 Month NEW Youth CD at 8.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Nicolet Bank is offering its 60 Month Relationship CD at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Scandia, Minnesota Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Scandia, Minnesota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Scandia, Minnesota
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Scandia, Minnesota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Scandia, Minnesota
Most CDs carry a fixed rate that is locked for the entire term, protecting a Scandia, 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 Scandia, Minnesota
Are CD rates in Scandia, Minnesota FDIC insured?
Yes, most established banks in Scandia, 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 Scandia, 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 Scandia, 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 Scandia, 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 Scandia, Minnesota?
Here are recent top rates found for this area:
- Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
- Nicolet Bank: 4.75% APY (60 Month Relationship CD)
- PSB of Plainview: 4.63% APY (12 Month Certificate)
- Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
- Fidelity Bank & Trust (IA): 4.50% APY (24 Month CD)
- Affinity Plus Federal Credit Union: 4.50% APY (60 Month Basic Certificate)
- My Credit Union Bloomington, MN: 4.49% APY (60 Month Share & IRA Certificates)
- Federated Employees Credit Union: 4.42% APY (60 Month Term Share Certificates)
- Midwest Bank Detroit Lakes, MN: 4.40% APY (CD (Certificate of Deposit) - 60 Month)
- Ultima Bank Minnesota: 4.40% APY (24 Month Business Certificate of Deposit)
Rates reflect recent verified offers available in Scandia, Minnesota. Last Updated: October 19, 2026
Scandia, 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 Scandia, 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.
CD Calculators for Scandia, Minnesota
Scandia, Minnesota CD Calculator
At today’s MN top rate of 8.00% APY, a $10,000 deposit earns $800 in the first year. Enter your amount to see your exact return.
Scandia, Minnesota CD LadderMN CD rates currently range from 2.122% (3-month) to 2.919% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Scandia, Minnesota CD at 8.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMinnesota’s average 12-month CD is 3.090% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Scandia, 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 Scandia, 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 Scandia, Minnesota. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 19, 2026
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