St Paul, Minnesota Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
St Paul, Minnesota CD rates range from 0.05% to 8.00% APY, verified by MonitorBankRates as of November 12, 2026. Current St Paul, Minnesota CD rates include Wells FargoWells Fargo1827 Grand Ave, St Paul, MN 55105A+5.0 ★Texas Ratio: 5.36%Real return: -2.19%APY minus CPIRate verified Nov 11, 2026 offering 1 Year Standard Fixed Rate CD - Relationship at 1.51% APY, Metropolitan Services Credit UnionMetropolitan Services Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +4.30%APY minus CPIRate verified Nov 8, 2026 offering 6 Month NEW Youth CD at 8.00% APY, Cornerstone State BankCornerstone State BankA5.0 ★Texas Ratio: 6.12%Real return: +1.16%APY minus CPIRate verified Nov 11, 2026 offering IRA 36-48 month C.D. at 4.86% APY, Mid Minnesota Federal Credit UnionMid Minnesota Federal Credit UnionA+5.0 ★Texas Ratio: 3.64%Real return: +1.01%APY minus CPIRate verified Nov 7, 2026 offering 36 Month Fast Forward Term Share Certificate at 4.71% APY, and PSB of PlainviewPSB of PlainviewA-4.7 ★Texas Ratio: 9.93%Real return: +0.93%APY minus CPIRate verified Nov 6, 2026 offering 12 Month Certificate of Deposit at 4.63% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
St Paul has 6 local institutions in our database, with CD rates as high as 1.51% APY from Wells Fargo at 1827 Grand Ave, St Paul, MN 55105. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Minnesota area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 12, 2026
Compare Best CD Rates in St Paul, Minnesota & the Surrounding Area
St Paul 3 Month CD Rates
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Early withdrawal penalty: 91 Days Interest (minimum $25)
Special rate for new certificates only; does not apply to renewals; renews to 6-month term at maturity
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Minimum opening balance on all terms: $500; Minimum balance to obtain APY: $500; Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Expected Profit Rate 4.00%; Expected Annual % Yield 4.06%; Profit paid at maturity; ability to fund throughout the term; no discount may be applied for early withdrawal
Balance: $1,000 - $9,999; $1,000 minimum opening balance
- Oct 10, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Balance: $100,000+; Early withdrawal penalty may be imposed
- Nov 7, 20263.80%▲ from 3.00%
- Oct 14, 20263.00%first recorded
St Paul 6 Month CD Rates
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
$500-$1000; Limit of one CD per member; Open a Youth CD
Celebrate the Season promotional certificate; featured on homepage carousel
Certificate of Deposit; Early withdrawal: 90 days dividends; Terms less than 12 months
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Early withdrawal penalty: 181 Days Interest (minimum $25)
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply
Promotional CD available only from October 6th-January 31st, 2027; new deposits only; $10,000 minimum deposit to open and earn the APY; automatically renews once at 3.65% (3.68% APY) for the same 6-month term; penalty may be imposed for early withdrawal
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Minimum opening balance on all terms: $500; Minimum balance to obtain APY: $500; Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Expected Profit Rate 4.10%; Expected Annual % Yield 4.14%; Profit paid at maturity; ability to fund throughout the term; no discount may be applied for early withdrawal
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Current CD Special; $500 minimum opening deposit required to obtain APY; Rates effective as of 09/24/2026; Expires on or before 11/15/2026
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Interest Paid: Maturity; Open Online
St Paul 12 Month CD Rates
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $35,000+
Balance: $35,000+
Two penalty-free withdrawals after account established for 7 days, minimum $1,000 per withdrawal; additional withdrawals may incur penalty; Checking Account Relationship required; not available for Public Funds; offer applies to CD renewals or new money to AB&T only; IRA-CDs consult financial advisor or tax professional
Ages: 0-17; Maximum balance $10,000; Additional deposits of $250 or more allowed; One MyFirst Investment (CD) per child/member (per SSN); CD maturity tied to child's birthday and automatically renews until age 18; Early withdrawal penalty may apply
- Nov 7, 20264.35%▲ from 4.00%
- Oct 14, 20264.00%first recorded
- Nov 7, 20264.35%▲ from 4.00%
- Oct 28, 20264.00%first recorded
Health savings account CD; renews to 12 month term; interest compounded and credited quarterly
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic; Penalty may be imposed for early withdrawal
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply
- Oct 9, 20264.27%▲ from 4.11%
- Sep 18, 20264.11%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
- Oct 26, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
- Oct 26, 20264.25%▲ from 4.00%
- Oct 13, 20264.00%first recorded
Moneywise Available
- Oct 26, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
St Paul 18 Month CD Rates
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply
- Oct 9, 20264.37%▲ from 4.11%
- Sep 18, 20264.11%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Current CD Special; $500 minimum opening deposit required to obtain APY; Rates effective as of 09/24/2026; Expires on or before 11/15/2026
- Sep 27, 20264.35%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.30%▲ from 4.25%
- Oct 14, 20264.25%first recorded
APY accurate as of 10/19/2026; Rate subject to change without notice; Early withdrawal penalties may apply
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply
Balance: $250,000.00 and over; Effective October 14, 2026
- Oct 26, 20264.25%▲ from 4.15%
- Oct 9, 20264.15%first recorded
New deposits
- Nov 5, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Traditional and Roth IRA Certificate; $2,500.00 minimum balance; New deposits
- Nov 5, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Term: 18 Months (new deposits); New deposits
- Nov 5, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Daily compounding; Early withdrawal of an IRA certificate requires an additional IRS penalty; Substantial penalty for early withdrawal of certificate funds
- Nov 6, 20264.23%▼ from 4.30%
- Oct 31, 20264.30%▼ from 4.36%
- Oct 3, 20264.36%▲ from 4.25%
- Sep 24, 20264.25%▲ from 4.15%
- Oct 20, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Current deposits
- Nov 5, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
St Paul 24 Month CD Rates
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.40%▼ from 4.50%
- Oct 14, 20264.50%first recorded
- Oct 20, 20264.40%▲ from 2.31%
- Oct 14, 20262.31%first recorded
- Oct 22, 20264.40%▲ from 2.31%
- Oct 20, 20262.31%first recorded
Fixed; Term renewal: 12-Month | Fixed
Traditional or Roth IRA; Dividends earned quarterly; Additional deposits allowed only at maturity; Renewal is automatic; Penalty may be imposed for early withdrawal
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply
- Sep 18, 20264.27%▲ from 4.06%
- Sep 14, 20264.06%first recorded
APY range as printed: 4.27%-4.34%; Dividends paid at end of each quarter and at maturity; 180 day early withdrawal penalty
- Nov 5, 20264.27%▲ from 3.35%
- Sep 14, 20263.35%first recorded
- Oct 20, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
- Oct 7, 20264.25%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Rates effective November 20, 2025
Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply
Interest paid quarterly; Effective October 26, 2026
- Oct 29, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Balance: $1,000 and over; $1,000 minimum opening balance
Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term
St Paul 36 Month CD Rates
$10 minimum at 36 months and requires a monthly deposit between $10 & $500
- Nov 3, 20264.71%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.50%▼ from 4.60%
- Oct 14, 20264.60%first recorded
- Oct 20, 20264.30%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Interest paid quarterly; Effective October 26, 2026
- Oct 29, 20264.30%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Jumbo Certificate
- Nov 3, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply
Balance: $100,000.00 and over
Balance: $100,000 and over
Balance: $40,000.00 - $99,999.99
Balance: $40,000 - $99,999.99
- Nov 6, 20264.15%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Balance: $100,000 and over; Penalty for early withdrawal
- Oct 14, 20264.13%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
St Paul 48 Month CD Rates
Balance: $75,000 - $199,999.99; Compounded Semi-Annually
- Oct 20, 20264.86%▲ from 4.55%
- Oct 14, 20264.55%first recorded
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.55%▼ from 4.70%
- Oct 14, 20264.70%first recorded
Balance: $25,000 - $74,999.99; Compounded Semi-Annually
- Oct 20, 20264.35%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Interest paid quarterly; Effective October 26, 2026
- Oct 29, 20264.35%▲ from 3.80%
- Sep 14, 20263.80%first recorded
- Oct 9, 20264.33%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term
- Oct 20, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
- Oct 9, 20264.28%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply
- Oct 9, 20264.23%▲ from 3.56%
- Sep 14, 20263.56%first recorded
- Nov 6, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
- Oct 23, 20264.15%▲ from 3.75%
- Oct 15, 20263.75%first recorded
Balance: $100,000 and over; Penalty for early withdrawal
- Oct 14, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
St Paul 60 Month CD Rates
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.60%▼ from 4.75%
- Oct 14, 20264.75%first recorded
Relationship CD; eligible with a Gate City Bank checking account
- Oct 31, 20264.50%▲ from 3.75%
- Oct 21, 20263.75%first recorded
Available as an IRA
- Oct 9, 20264.49%▲ from 3.87%
- Sep 14, 20263.87%first recorded
- Oct 9, 20264.44%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term
- Oct 9, 20264.39%▲ from 3.67%
- Sep 14, 20263.67%first recorded
- Oct 20, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
- Nov 6, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Minimum deposit amount of $1,000.00; Daily balance; Early withdrawal penalty may apply
Jumbo; Minimum balance to earn APY: $35,000 Jumbo; Early withdrawal penalty may apply
Balance: $25,000 and over
Tier 2; Tier 2 minimum balance is $2,500 non-IRA and $2,000 for IRA accounts; Higher rates available with Jumbo Series or Relationship Pricing contact THFCU
- Oct 23, 20264.20%▲ from 3.75%
- Oct 15, 20263.75%first recorded
Balance: $100,000.00 and over
- Oct 20, 20264.16%▲ from 4.06%
- Sep 19, 20264.06%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
St Paul, MN CD Rate Trends
Compare local St Paul, 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.
Minnesota 12-month CD rates fell 0.001 points over the past 7 days to 3.091% APY.
Minnesota 6-month CD rates rose 0.005 points over the past 7 days to 2.914% APY.
MN CD Rate Forecast, Next 12 Months
Where are Minnesota CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at MN CD Rates Today
Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.
| CD Term | MN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.193% | $109.66 | $219.33 | $548.32 | $1,096.65 |
| 6-Month CD | 2.914% | $145.71 | $291.42 | $728.55 | $1,457.10 |
| 12-Month CD | 3.091% | $154.54 | $309.07 | $772.68 | $1,545.35 |
| 18-Month CD | 3.162% | $158.10 | $316.20 | $790.50 | $1,581.00 |
| 24-Month CD | 3.099% | $154.96 | $309.92 | $774.80 | $1,549.60 |
| 36-Month CD | 2.935% | $146.75 | $293.50 | $733.75 | $1,467.50 |
| 48-Month CD | 2.933% | $146.65 | $293.30 | $733.25 | $1,466.50 |
| 60-Month CD | 3.041% | $152.06 | $304.12 | $760.30 | $1,520.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for St Paul, 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 | 2.193% | $109.66 |
| 2 | 6-Month CD | $5,000 | 2.914% | $145.71 |
| 3 | 12-Month CD | $5,000 | 3.091% | $154.54 |
| 4 | 24-Month CD | $5,000 | 3.099% | $154.96 |
| 5 | 36-Month CD | $5,000 | 2.935% | $146.75 |
| Total ($25,000 invested) | $25,000 | 2.846% blended | $711.62/yr | |
Ladder example uses equal $5,000 rungs and Minnesota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in St Paul, Minnesota
About Our St Paul, Minnesota CD Rate Database
MonitorBankRates tracks 1,750 CD rates from 73 banks and 40 credit unions with locations in St Paul, 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: Wells Fargo offers a CD at 1.51% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in St Paul, Minnesota.
How to Find the Best CD Rates in St Paul, Minnesota
What to compare when shopping for a CD in St Paul, Minnesota
To find the best APYs in St Paul, Minnesota, start with credit unions and online-only banks: St Paul, Minnesota has 40 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 St Paul, 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 St Paul, Minnesota: 113 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare St Paul, 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 St Paul, Minnesota money market rates
Minnesota Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s MN 12-month CD average of 3.091%, saving 10% of the local median salary ($5,083/year) and putting it in a CD would earn an additional $157 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 St Paul, Minnesota
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in St Paul, 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 St Paul, Minnesota as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give St Paul, Minnesota savers easier access to their funds. For example, Wells Fargo is offering its 6 Month Standard Fixed Rate CD - Relationship at 0.06% 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 4.60% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a St Paul, Minnesota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the St Paul, Minnesota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a St Paul, 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 St Paul, Minnesota
What are CD rates in St Paul, Minnesota today?
Are CD rates in St Paul, Minnesota FDIC insured?
Do I have to pay state taxes on CD interest in St Paul, Minnesota?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in St Paul, Minnesota?
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
- Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
- Cornerstone State Bank: 4.86% APY (IRA 36-48 month C.D.)
- Mid Minnesota Federal Credit Union: 4.71% APY (36 Month Fast Forward Term Share Certificate)
- PSB of Plainview: 4.63% APY (12 Month Certificate of Deposit)
- Nicolet Bank: 4.60% APY (60 Month Relationship CD)
- American Bank & Trust: 4.60% APY (12 Month CD & IRA-CD Special Offer)
- Gate City Bank: 4.50% APY (Relationship CD - 5 Year)
- Affinity Plus Federal Credit Union: 4.50% APY (60 Month Basic Certificate)
- First Community Credit Union Jamestown, ND: 4.50% APY (MyFirst Investment - 12 Month CD)
St Paul, 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 St Paul, Minnesota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 St Paul, Minnesota
At today’s MN top rate of 1.51% APY, a $10,000 deposit earns $151 in the first year. Enter your amount to see your exact return.
St Paul, Minnesota CD LadderMN CD rates currently range from 2.193% (3-month) to 2.935% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a St Paul, Minnesota CD at 1.51% 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 3.091% 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 St Paul, 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 St Paul, 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 St Paul, 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.
St Paul, Minnesota Rates & Resources
