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CD Rate Trends

Woodbury, Minnesota Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in Woodbury, Minnesota range from 3.04% to 4.40% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Woodbury, Minnesota CD rates include Associated Healthcare Credit UnionAssociated Healthcare Credit Union6789 Upper Afton Rd, Woodbury, MN 55125A+5.0 ★Texas Ratio: 3.27%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month CD Special at 4.40% APY, CorTrust BankCorTrust Bank9740 Tamarack Dr, Woodbury, MN 55125A+5.0 ★Texas Ratio: 5.11%Real return: +1.50%APY minus CPI (February 2026) offering 5 Year Certificate of Deposit at 4.30% APY, Expedition Credit UnionExpedition Credit Union1605 Queens Dr Ste 101, Woodbury, MN 55125A+5.0 ★Texas Ratio: 1.78%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month FlexRate at 4.06% APY, Bell BankBell Bank563 Bielenberg Dr, Woodbury, MN 55125A5.0 ★Texas Ratio: 8.15%Real return: +0.80%APY minus CPI (February 2026) offering 3 Month (91 Day) CD at 3.60% APY, and Pipefitters Steamfitters Credit UnionPipefitters Steamfitters Credit Union6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495A+5.0 ★Texas Ratio: 3.83%Real return: +0.24%APY minus CPI (February 2026) offering 12 Month Roth IRA at 3.04% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

Woodbury has 92 local institutions in our database, with CD rates as high as 4.40% APY from Associated Healthcare Credit Union at 6789 Upper Afton Rd, Woodbury, MN 55125. 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: September 28, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Woodbury 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
3 Month (91 Day) CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 3 Month (91 Day) CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
3 Month (91 Day) CD
$0
3.55% ▲ 1.47% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 3 Month (91 Day) CD
$0
3.55% ▲ 1.47% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
3 Month CD
$0
0.50% ▼ 1.58% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.58% below avg
Details

Balance: $250,000.00 +

Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
3 Month CD
$0
0.45% ▼ 1.63% below national avg
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.63% below avg
Details

Balance: $100,000.-$249,999.

Rate History
No change since Sep 15, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 15, 2026: 0.45% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
3 Month CD
$0
0.40% ▼ 1.68% below national avg
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.68% below avg
Details

Balance: $25,000.00 - $99,999.99

Rate History
No change since Sep 15, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 15, 2026: 0.40% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
3 Month CD
$0
0.35% ▼ 1.73% below national avg
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.73% below avg
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 15, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 15, 2026: 0.35% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
3 Month CD
$500
0.30% ▼ 1.78% below national avg
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.78% below avg
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 15, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 15, 2026: 0.30% APYSep 15, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
3 Month Fixed CD
$250
4.16% ▲ 2.08% above national avg
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 2.08% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Sep 28, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Share Certificate
$500
4.15% ▲ 2.07% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 2.07% above avg
Details

Rates effective September 21, 2026; Special rate; APY* is Annual Percentage Yield.

Rate History
No change since Sep 25, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
3 Months Certificate
$0
3.91% ▲ 1.83% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.83% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Sep 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.77% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.77% above avg
Details

Special Offer. For balances under $100k. Apply now.

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
3 Months Certificate
$0
3.85% ▲ 1.77% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.77% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.80% ▲ 1.72% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.72% above avg
Details

Balance: $100,000+*

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Sep 28, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3 Month Certificate of Deposit
$0
3.76% ▲ 1.68% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.68% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50%
3.00%3.63%4.26%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.76% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20263.76%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 3 month
$0
3.75% ▲ 1.67% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.67% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Reliance Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
90 Day Certificates of Deposit and IRA's
$0
3.70% ▲ 1.62% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Sep 28, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.70% ▲ 1.62% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Business Share Certificate
$0
3.70% ▲ 1.62% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Month Share Certificate
$0
3.70% ▲ 1.62% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Term Share Certificates
$0
3.59% ▲ 1.51% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.59% APY · checked 2 times
3.09%3.59%4.09%Sep 18, 2026: 3.59% APYSep 18, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
3 Months Certificate
$0
3.55% ▲ 1.47% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
3 Month Certificate
$500
3.55% ▲ 1.47% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
3 Month Certificate
$500
3.50% ▲ 1.42% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.32% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details

Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month Relationship CD
$0
3.40% ▲ 1.32% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
3 Months Certificate
$0
3.29% ▲ 1.21% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.21% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Sep 28, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
3 Month Certificate
$500
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Month Certificate of Deposit (CD)
$0
3.15% ▲ 1.07% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.07% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05% ▲ 0.97% above national avg
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.97% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
3 Month AmeripriseInstallment Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Certificate of Deposit
$500
3.00% ▲ 0.92% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month CD
$0
2.90% ▲ 0.82% above national avg
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.82% above avg
Details

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Sep 28, 2026
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90% ▲ 0.82% above national avg
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 0.82% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Sep 28, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
3 Months - Relationship
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3 Month
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 MONTH CD
$0
2.67% ▲ 0.59% above national avg
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.59% above avg
Details

CD'S BELOW HAVE A $500 MINIMUM BALANCE

Rate History
No change since Sep 14, 2026 · 2.67% APY · checked 3 times
2.17%2.67%3.17%Sep 14, 2026: 2.67% APYSep 14, 2026Sep 28, 2026
CNB of Park Rapids
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3 Month CD
$0
2.53% ▲ 0.45% above national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.45% above avg
Details

Rate History
No change since Sep 24, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Sep 24, 2026: 2.53% APYSep 24, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Certificate
$0
2.50% ▲ 0.42% above national avg
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month IRA Certificate
$0
2.50% ▲ 0.42% above national avg
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

IRA Certificate

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Traditional & Roth IRA Certificate
$2,500
2.50% ▲ 0.42% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month Certificate of Deposit
$10,000
2.22% ▲ 0.14% above national avg
View
▼
Rate2.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.14% above avg
Details

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

Rate History
No change since Sep 20, 2026 · 2.22% APY · checked 3 times
1.72%2.22%2.72%Sep 20, 2026: 2.22% APYSep 20, 2026Sep 28, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month Certificate of Deposit
$1,000
2.12% ▲ 0.04% above national avg
View
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.04% above avg
Details

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

Rate History
No change since Sep 20, 2026 · 2.12% APY · checked 3 times
1.62%2.12%2.62%Sep 20, 2026: 2.12% APYSep 20, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$0
2.05% ▼ 0.03% below national avg
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.03% below avg
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 4 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Sep 28, 2026
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit
$0
2.02% ▼ 0.06% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.06% below avg
Details

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Sep 28, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
3 Month Certificates of Deposit
$0
2.02% ▼ 0.06% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.06% below avg
Details

Balance: $25,000 and over

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Sep 28, 2026

Woodbury 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
6 Month FlexRate
$0
4.06% ▲ 1.29% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.29% above avg
Details

PROMO

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.81% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Sep 24, 2026: 3.58% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.81% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.58% APY · checked 3 times
3.08%3.58%4.08%Sep 18, 2026: 3.58% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
6 Month (182 Day) CD
$0
3.53% ▲ 0.76% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.76% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Sep 24, 2026: 3.53% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 6 Month (182 Day) CD
$0
3.53% ▲ 0.76% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.76% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 18, 2026: 3.53% APYSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
6 Month Certificate
$500
2.79% ▲ 0.02% above national avg
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.02% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
6 Month Savers Certificate
$100
1.06% ▼ 1.71% below national avg
View
▼
Rate1.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▼ 1.71% below avg
Details

Rate History
No change since Sep 26, 2026 · 1.06% APY
0.56%1.06%1.56%Sep 26, 2026: 1.06% APYSep 26, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
6 month CD
$0
0.70% ▼ 2.07% below national avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.07% below avg
Details

Balance: $250,000.00 +

Rate History
No change since Sep 15, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 15, 2026: 0.70% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
6 month CD
$0
0.65% ▼ 2.12% below national avg
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.12% below avg
Details

Balance: $100,000.-$249,999.

Rate History
No change since Sep 15, 2026 · 0.65% APY · checked 3 times
0.15%0.65%1.15%Sep 15, 2026: 0.65% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
6 month CD
$0
0.60% ▼ 2.17% below national avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.17% below avg
Details

Balance: $25,000.00 - $99,999.99

Rate History
No change since Sep 15, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 15, 2026: 0.60% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
6 month CD
$0
0.55% ▼ 2.22% below national avg
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.22% below avg
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 15, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 15, 2026: 0.55% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
6 month CD
$500
0.50% ▼ 2.27% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.27% below avg
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month NEW Youth CD
$500
8.00% ▲ 5.23% above national avg
View
▼
Rate8.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 5.23% above avg
Details

Limit of one CD per member; ($500 - $1,000)

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 2 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APYSep 18, 2026Sep 28, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Month Certificate of Deposit
$0
4.31% ▲ 1.54% above national avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.54% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Sep 14, 2026: 4.31% APYSep 14, 2026Sep 28, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25% ▲ 1.48% above national avg
View
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.48% above avg
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month Special CD
$1,000
4.25% ▲ 1.48% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.48% above avg
Details

Special^

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
6 Month Fixed CD
$250
4.16% ▲ 1.39% above national avg
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.39% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Sep 28, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6-month share certificate
$0
4.16% ▲ 1.39% above national avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
6 Months Certificate
$0
4.14% ▲ 1.37% above national avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.37% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.89% → 4.14% ▲ 0.25 pts · high 4.14% / low 3.89%
3.39%4.02%4.64%Sep 14, 2026: 3.89% APYSep 24, 2026: 4.14% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Falcon National Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
6-Month CD
$500
4.10% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6-Month CD
$1,000
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.28% above avg
Details

Published APY range: 4.05%-4.11%. 60 day early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
6 Months Certificate
$0
4.04% ▲ 1.27% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.27% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYSep 24, 2026: 4.04% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month CD
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Prime Security Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
High-yield 6 month CDs
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.23% above avg
Details

CALL NOW

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate of Deposit
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 month Certificate Special
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 month Jumbo Certificate
$25,000
3.85% ▲ 1.08% above national avg
View
▼
Rate3.80%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate of Deposit
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
6 Month Certificate of Deposit
$0
3.81% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.04% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYSep 27, 2026: 3.81% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 Month Certificate
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 6 month
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 6 months
$1,000
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Term Share Certificates
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Sep 28, 2026
Reliance Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
180 Day Certificates of Deposit and IRA's
$0
3.79% ▲ 1.02% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.02% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Sep 28, 2026
First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month CD
$0
3.78% ▲ 1.01% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 4 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Sep 28, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$0
3.78% ▲ 1.01% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.01% above avg
Details

Balance: $100,000+*

Rate History
No change since Sep 24, 2026 · 3.78% APY · checked 2 times
3.28%3.78%4.28%Sep 24, 2026: 3.78% APYSep 24, 2026Sep 28, 2026
Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Month CD
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 6 months
$1,000
3.75% ▲ 0.98% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate (new deposits)
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

new deposits

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month IRA Certificate (new deposits)
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

IRA Certificate, new deposits

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Traditional & Roth IRA Certificate
$2,500
3.75% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Term: 6 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
6-month Share Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Tier 2; Balance: $2,500 and over

Rate History
No change since Sep 25, 2026 · 3.70% APY
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 MONTH CERTIFICATE
$500
3.70% ▲ 0.93% above national avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

One time NO PENALTY withdrawal.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 6 months
$1,000
3.70% ▲ 0.93% above national avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate of Deposit
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate (current deposits)
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

current deposits

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026

Woodbury 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
1 Year Certificate of Deposit
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
1 year (12 Month) CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 1 Year (12 Month) CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
1 year (12 Month) CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 1 Year (12 Month) CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
12 Month Certificate
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
12 Month FlexRate
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
12 Month Roth IRA
$500
3.04% ▲ 0.10% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.10% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
12 Month Traditional IRA
$500
3.04% ▲ 0.10% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.10% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
12 Month Certificate
$500
2.89% ▼ 0.05% below national avg
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 0.05% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.43% below national avg
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.43% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.51% APY
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
7525 Currell Blvd, Woodbury, MN 55125
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.44% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.50% APY
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
12 Month Savers Certificate
$100
1.46% ▼ 1.48% below national avg
View
▼
Rate1.45%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▼ 1.48% below avg
Details

Rate History
No change since Sep 26, 2026 · 1.46% APY
0.96%1.46%1.96%Sep 26, 2026: 1.46% APYSep 26, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
12 Month Certificate
$0
1.40% ▼ 1.54% below national avg
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 1.54% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 6 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate
$0
4.63% ▲ 1.69% above national avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.69% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
12 Month Certificate of Deposit
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
12 Months Certificate
$0
4.15% ▲ 1.21% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
Details

Balance: $250,000.00 and up; Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Business Certificates of Deposit
$25,000
4.15% ▲ 1.21% above national avg
View
▼
Rate4.09%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
Details

Minimum Balance to Obtain APY: $25,000**

Rate History
No change since Sep 27, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Certificate
$25,000
4.15% ▲ 1.21% above national avg
View
▼
Rate4.09%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
Details

Term: 12 Month ($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%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month IRA share certificate
$0
4.11% ▲ 1.17% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.17% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
3.56%4.09%4.61%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12-month share certificate
$0
4.11% ▲ 1.17% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.17% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
3.56%4.09%4.61%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
12 Month IRA Certificate of Deposit
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
12 Month Certificate of Deposit
$0
4.06% ▲ 1.12% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.12% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Sep 28, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
12 Month Certificate of Deposit
$0
4.06% ▲ 1.12% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.12% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Term Share Certificates
$0
4.06% ▲ 1.12% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.12% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$0
4.05% ▲ 1.11% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details

Balance: $100,000-$149,999

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
12 Month Certificate of Deposit
$0
4.01% ▲ 1.07% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.07% above avg
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Sep 28, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month CD
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 12 Month
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
12 Months Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Business Certificates of Deposit
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Minimum Balance to Obtain APY: $500**

Rate History
No change since Sep 27, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Certificate
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Minimum balance to obtain APY is $500**

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • 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 Certificate
$10,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank. The APY is fixed for the initial term, certificate will automatically renew upon maturity. Penalty for early withdrawal. Fees could reduce earnings on the account. Not valid with any other offers. Insured by FDIC.

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$10,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
12 Month Certificate
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
12 Month Special Certificate of Deposit
$5,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details

Renewal Rate Term: 12 Months

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1 Year Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1 Year Share Certificates (CDs)
$1,000
4.00% ▲ 1.06% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1 Year Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Term Share Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Term Share Certificates-Traditional & Roth - 1 Year
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1 Year Youth Flex Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month (Moneywise Available) Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Moneywise Available

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
12 Month IRA
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
12 Month Certificate of Deposit
$0
3.96% ▲ 1.02% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.02% above avg
Details

Balance: $10,000 - $39,999.99

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Sep 28, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
12 Month Fixed CD
$250
3.96% ▲ 1.02% above national avg
View
▼
Rate3.90%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.02% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 month Jumbo Certificate
$25,000
3.95% ▲ 1.01% above national avg
View
▼
Rate3.90%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
12 Month Certificate of Deposit
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026

Woodbury 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
18 Month CD Special
$0
4.40% ▲ 1.58% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.58% above avg
Details

Special

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
18 Month Certificate of Deposit
$500
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
18 Month CD
$0
3.58% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.76% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Sep 24, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Sep 24, 2026: 3.58% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 18 Month CD
$0
3.58% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.76% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
18 Month CD
$0
3.53% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.71% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Sep 24, 2026: 3.53% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 18 Month CD
$0
3.53% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.71% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
18 Month Certificate
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
18 Month Certificate
$500
2.99% ▲ 0.17% above national avg
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 3 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
18 Month Savers Certificate
$100
2.64% ▼ 0.18% below national avg
View
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▼ 0.18% below avg
Details

Rate History
No change since Sep 26, 2026 · 2.64% APY
2.14%2.64%3.14%Sep 26, 2026: 2.64% APYSep 26, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
18 Month Certificate
$0
1.15% ▼ 1.67% below national avg
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▼ 1.67% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 9 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Sep 28, 2026
Falcon National Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18-Month CD
$500
4.35% ▲ 1.53% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.53% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 18 month
$0
4.35% ▲ 1.53% above national avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.53% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
IRA/Roth IRA 18 Month+
$250
4.25% ▲ 1.43% above national avg
View
▼
Rate4.16%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
Details

Daily

Rate History
2 changes since Sep 14, 2026 · 3.98% → 4.25% ▲ 0.27 pts · high 4.25% / low 3.98%
3.48%4.12%4.75%Sep 14, 2026: 3.98% APYSep 19, 2026: 4.15% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 4.15%
  • Sep 19, 20264.15%▲ from 3.98%
  • Sep 14, 20263.98%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
18 Month Certificate of Deposit
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
18 Month Certificate of Deposit
$0
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Sep 28, 2026
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
CD Special - 18 Months
$2,500
4.17% ▲ 1.35% above national avg
View
▼
Rate4.11%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 1.35% above avg
Details

Rate History
No change since Sep 28, 2026 · 4.17% APY
3.67%4.17%4.67%Sep 28, 2026: 4.17% APYSep 28, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
18 Months Certificate
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Balance: $250,000.00 and up; Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate of Deposit
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18-month share certificate
$0
4.11% ▲ 1.29% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.29% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate of Deposit
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificates
$0
4.01% ▲ 1.19% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.19% above avg
Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
18 Months Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA Certificates
$500
3.96% ▲ 1.14% above national avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.14% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificates
$500
3.96% ▲ 1.14% above national avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.14% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (new deposits)
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

new deposits

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (new deposits)
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

IRA Certificate, new deposits

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

Term: 18 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
18 Month Certificate
$500
3.90% ▲ 1.08% above national avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.08% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month Certificate of Deposit
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate (current deposits)
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.08% above avg
Details

current deposits

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month IRA Certificate (current deposits)
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.08% above avg
Details

IRA Certificate, current deposits

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Traditional & Roth IRA Certificate
$2,500
3.90% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.08% above avg
Details

Term: 18 Months (current deposits)

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
18 Month Fixed CD
$250
3.85% ▲ 1.03% above national avg
View
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 1.03% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 month IRA Share Certificate (CDs)
$1,000
3.85% ▲ 1.03% above national avg
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Bonanza Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month Certificate
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH CD
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Jumbo Share Certificates
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.93% above avg
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
6 - 18 Month Choose your term certificate of deposit
$15,000
3.71% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.89% above avg
Details

Rate is variable and can change at any time. Early withdrawal penalties apply if closed before maturity.

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Sep 28, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
18-month Share Certificate
$0
3.70% ▲ 0.88% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.88% above avg
Details

Tier 2; Balance: $2,500 and over

Rate History
No change since Sep 25, 2026 · 3.70% APY
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Sep 28, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month Certificate
$0
3.70% ▲ 0.88% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.88% above avg
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificate of Deposit
$500
3.65% ▲ 0.83% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rewards APY

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
18 Month Certificate
$0
3.61% ▲ 0.79% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
18 Month Certificate
$500
3.60% ▲ 0.78% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.78% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026

Woodbury 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
2 Year Certificate of Deposit
$500
4.15% ▲ 1.31% above national avg
View
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
2 Year (24 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 2 Year (24 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
2 Year (24 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 2 Year (24 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
24 Month FlexRate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
24 Month Savers Certificate
$100
2.64% ▼ 0.20% below national avg
View
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▼ 0.20% below avg
Details

Rate History
No change since Sep 26, 2026 · 2.64% APY
2.14%2.64%3.14%Sep 26, 2026: 2.64% APYSep 26, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
24 Month Roth IRA
$500
2.63% ▼ 0.21% below national avg
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.21% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 3 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
24 Month Traditional IRA
$500
2.63% ▼ 0.21% below national avg
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.21% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 3 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
24 Month Certificate
$500
2.53% ▼ 0.31% below national avg
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.31% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 3 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
24 Month Certificate
$0
1.25% ▼ 1.59% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 1.59% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 12 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.50% ▲ 1.66% above national avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month IRA share certificate
$0
4.27% ▲ 1.43% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24-month share certificate
$0
4.27% ▲ 1.43% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
24 Month Certificate of Deposit
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Business Certificates of Deposit
$25,000
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Minimum Balance to Obtain APY: $25,000

Rate History
No change since Sep 27, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate
$25,000
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Month Term Share Certificates
$0
4.11% ▲ 1.27% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.27% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Sep 28, 2026
MidCountry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
24 Month Term
$25,000
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Rate applicable to new money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible. 24 Month - Prime minus 3.00%. Current Prime Rate 7.00% as of 9/17/2026

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Month Certificate
$0
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 24, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Business Certificates of Deposit
$500
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.21% above avg
Details

Minimum Balance to Obtain APY: $500**

Rate History
No change since Sep 27, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate
$500
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.21% above avg
Details

Minimum balance to obtain APY is $500**

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
24 Month CD
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
24 Months Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
State Bank of Faribault
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month Certificate Special
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 19, 2026: 3.75% APYSep 24, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Pioneer Bank Mapleton, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
24 Month Certificate of Deposit
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
24-month Share Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Tier 2; Balance: $2,500 and over

Rate History
No change since Sep 25, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Jumbo Certificate
$25,000
4.00% ▲ 1.16% above national avg
View
▼
Rate3.95%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 24 month
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Term Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Term Share Certificates-Traditional & Roth - 2 Year
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Share Certificate Special
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
24 Month IRA
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
24 Month Certificate of Deposit
$0
3.96% ▲ 1.12% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
24 Month Certificate of Deposit
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
24 Month Certificate of Deposit
$0
3.91% ▲ 1.07% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.07% above avg
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
24 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
Details

Balance: $10,000 - $39,999.99

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Sep 28, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$10,000
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank. The APY is fixed for the initial term, certificate will automatically renew upon maturity. Penalty for early withdrawal. Fees could reduce earnings on the account. Not valid with any other offers. Insured by FDIC.

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Sep 28, 2026
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 73.99%
24 Month IRA CD Special
$2,500
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.01% above avg
Details

Interest is credited quarterly. Account will automatically renew at maturity. The renewal term will be 24 months. Early withdrawal fees may apply. Fees may reduce earnings on the account. Offer effective April 28, 2026. Offer valid for a limited time. Consult a tax professional for retirement plan advice.

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Certificate
$500
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month IRA Certificate
$500
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 month Step-Up CD
$1,000
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
24 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Jumbo and Jumbo IRA Certificates
$0
3.84% ▲ 1.00% above national avg
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.00% above avg
Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Sep 18, 2026: 3.84% APYSep 18, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
24 Month Certificate of Deposit
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
24 Month Certificate
$500
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month CD
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Sep 28, 2026

Woodbury 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
3 Year Certificate of Deposit
$500
4.25% ▲ 1.49% above national avg
View
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
3 Year (36 Month) CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 3 Year (36 Month) CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
3 Year (36 Month) CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 3 Year (36 Month) CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
36 Month Certificate
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
36 Month FlexRate
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
36 Month Savers Certificate
$100
2.64% ▼ 0.12% below national avg
View
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▼ 0.12% below avg
Details

Rate History
No change since Sep 26, 2026 · 2.64% APY
2.14%2.64%3.14%Sep 26, 2026: 2.64% APYSep 26, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
36 Month Certificate
$500
2.63% ▼ 0.13% below national avg
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.13% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 3 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
36 Month Certificate
$0
1.25% ▼ 1.51% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 1.51% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 18 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.60% ▲ 1.84% above national avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.84% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Fast Forward Term Share Certificate
$10
4.49% ▲ 1.73% above national avg
View
▼
Rate—
Min Deposit$10
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.73% above avg
Details

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

Rate History
No change since Sep 21, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Sep 21, 2026: 4.49% APYSep 21, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Business Certificates of Deposit
$25,000
4.25% ▲ 1.49% above national avg
View
▼
Rate4.18%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Minimum Balance to Obtain APY: $25,000

Rate History
No change since Sep 27, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate
$25,000
4.25% ▲ 1.49% above national avg
View
▼
Rate4.18%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Term: 36 Month ($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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • 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 of Deposit
$0
4.25% ▲ 1.49% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
36 Month Certificate of Deposit
$0
4.22% ▲ 1.46% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.46% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Sep 19, 2026: 4.22% APYSep 19, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
36 Month Certificate of Deposit
$0
4.16% ▲ 1.40% above national avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.40% above avg
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 19, 2026: 4.16% APYSep 19, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Term Share Certificates
$0
4.16% ▲ 1.40% above national avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.40% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Sep 18, 2026: 4.16% APYSep 18, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
36 Month Certificate of Deposit
$0
4.11% ▲ 1.35% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.35% above avg
Details

Balance: $10,000 - $39,999.99

Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 19, 2026: 4.11% APYSep 19, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 36 Month
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Business Certificates of Deposit
$500
4.10% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.34% above avg
Details

Minimum Balance to Obtain APY: $500**

Rate History
No change since Sep 27, 2026 · 4.10% APY
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate
$500
4.10% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.34% above avg
Details

Minimum balance to obtain APY is $500**

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • 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% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
36 Month Certificate of Deposit
$0
4.06% ▲ 1.30% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.30% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificates
$0
4.06% ▲ 1.30% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.30% above avg
Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year IRA Certificates
$500
4.01% ▲ 1.25% above national avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.25% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Term Certificates
$500
4.01% ▲ 1.25% above national avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.25% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Sep 28, 2026
BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
36 Months Certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 36 month
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Available as an IRA

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month Certificate
$500
3.95% ▲ 1.19% above national avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.19% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month IRA Certificate
$500
3.95% ▲ 1.19% above national avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.19% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 month Step-Up CD
$1,000
3.95% ▲ 1.19% above national avg
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.19% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.85% ▲ 1.09% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.09% above avg
Details

Balance: $35,000+

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.80% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
36 Month Certificate
$500
3.80% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 3 years
$1,000
3.80% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.04% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$10,000
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank. The APY is fixed for the initial term, certificate will automatically renew upon maturity. Penalty for early withdrawal. Fees could reduce earnings on the account. Not valid with any other offers. Insured by FDIC.

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 19, 2026: 3.24% APYSep 24, 2026: 3.70% APYSep 27, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
  • Sep 27, 20263.75%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.24%
  • Sep 19, 20263.24%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 3 years
$1,000
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Month Term Share Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Term Share Certificates-Traditional & Roth - 3 Year
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Jumbo Share Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Share Certificates with Rate Bump Option - Jumbo
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

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

Rate History
No change since Sep 22, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificates - 36 Month
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Jumbo Dividend Rate: 3.690%, Jumbo APY: 3.75%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
36 Month Certificate of Deposit
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
36-month Share Certificate
$1,000
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
36-month Youth Share Certificate
$250
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
36 Month Certificate
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.70% ▲ 0.94% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 19, 2026 · 3.24% → 3.70% ▲ 0.46 pts · high 3.70% / low 3.24%
2.74%3.47%4.20%Sep 19, 2026: 3.24% APYSep 24, 2026: 3.70% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.70%▲ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Months CD
$0
3.70% ▲ 0.94% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $10,000 - $34,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026

Woodbury 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
4 Year Certificate of Deposit
$500
4.25% ▲ 1.50% above national avg
View
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.50% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
48 Month Certificate
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
48 Month FlexRate
$0
3.00% ▲ 0.25% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
48 Month Certificate
$0
2.84% ▲ 0.09% above national avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.09% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 3 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
48 Month Savers Certificate
$100
2.64% ▼ 0.11% below national avg
View
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▼ 0.11% below avg
Details

Rate History
No change since Sep 26, 2026 · 2.64% APY
2.14%2.64%3.14%Sep 26, 2026: 2.64% APYSep 26, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
48 Month Certificate
$0
1.25% ▼ 1.50% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▼ 1.50% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 24 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.70% ▲ 1.95% above national avg
View
▼
Rate4.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.95% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.55% ▲ 1.80% above national avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.80% above avg
Details

Balance: $75,000 to $199,999.99

Rate History
No change since Sep 19, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Sep 19, 2026: 4.55% APYSep 19, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Business Certificates of Deposit
$25,000
4.35% ▲ 1.60% above national avg
View
▼
Rate4.28%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.60% above avg
Details

Minimum Balance to Obtain APY: $25,000

Rate History
No change since Sep 27, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Certificate
$25,000
4.35% ▲ 1.60% above national avg
View
▼
Rate4.28%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.60% above avg
Details

Term: 48 Month ($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%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
48 Month Certificate of Deposit
$0
4.25% ▲ 1.50% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.50% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Month Term Share Certificates
$0
4.21% ▲ 1.46% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.46% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Sep 18, 2026: 4.21% APYSep 18, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Business Certificates of Deposit
$500
4.20% ▲ 1.45% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Minimum Balance to Obtain APY: $500**

Rate History
No change since Sep 27, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Certificate
$500
4.20% ▲ 1.45% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Minimum balance to obtain APY is $500**

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • 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
$0
4.09% ▲ 1.34% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.34% above avg
Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Sep 18, 2026: 4.09% APYSep 18, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
48 Month Certificate of Deposit
$0
4.06% ▲ 1.31% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.31% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Sep 28, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
IRA 36-48 month C.D.
$500
4.04% ▲ 1.29% above national avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.29% above avg
Details

Balance: $25,000 to $74,999.99

Rate History
No change since Sep 19, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Sep 19, 2026: 4.04% APYSep 19, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year IRA Certificates
$500
4.04% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.29% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Sep 18, 2026: 4.04% APYSep 18, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificates
$500
4.04% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.29% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
48 Month Certificate of Deposit
$0
4.01% ▲ 1.26% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.26% above avg
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 48 month
$0
4.00% ▲ 1.25% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
48 Month Certificate of Deposit
$0
3.96% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.21% above avg
Details

Balance: $10,000 - $39,999.99

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.96% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.21% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
48 Month Certificate of Deposit
$0
3.91% ▲ 1.16% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.16% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.85% ▲ 1.10% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 19, 2026: 3.24% APYSep 24, 2026: 2.93% APYSep 27, 2026: 3.85% APYSep 19, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 2.93%
  • Sep 24, 20262.93%▼ from 3.24%
  • Sep 19, 20263.24%first recorded
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
48 Month Certificate
$500
3.85% ▲ 1.10% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
48-month Share Certificate
$1,000
3.80% ▲ 1.05% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$25,000
3.77% ▲ 1.02% above national avg
View
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.02% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.77% APY · checked 2 times
3.27%3.77%4.27%Sep 18, 2026: 3.77% APYSep 18, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $250 - $9,999.99

Rate History
2 changes since Sep 19, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 19, 2026: 3.14% APYSep 24, 2026: 2.83% APYSep 27, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
  • Sep 27, 20263.75%▲ from 2.83%
  • Sep 24, 20262.83%▼ from 3.14%
  • Sep 19, 20263.14%first recorded
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
48 Month Certificate of Deposit
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
48 Month Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
48-month Share Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Tier 2; Balance: $2,500 and over

Rate History
No change since Sep 25, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 4 years
$1,000
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $1,000.00+

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
48 Month Term Share Certificates
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Term Share Certificates-Traditional & Roth - 4 Year
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Certificate of Deposit
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
48 Month Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
48 Month Certificate
$500
3.70% ▲ 0.95% above national avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.95% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$10,000
3.67% ▲ 0.92% above national avg
View
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.92% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Sep 18, 2026: 3.67% APYSep 18, 2026Sep 28, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4 Year Relationship CD
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Sep 28, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month CD
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.90% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
48 Month Certificate of Deposit
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
4 Year Certificates of Deposit
$25,000
3.64% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.89% above avg
Details

Balance: $25,000 and over

Rate History
No change since Sep 24, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Sep 24, 2026: 3.64% APYSep 24, 2026Sep 28, 2026
Currie State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
48-Month CD
$500
3.60% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.85% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
First State Bank of Bigfork
Institution Rating:
F2.9 ★Texas Ratio: 40.48%
48 Month Certificates of Deposit (CDs)
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.85% above avg
Details

Balance: $45,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Jumbo Share Certificates
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificates - 48 Month
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details

Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
48 Month Share Certificate
$1,000
3.56% ▲ 0.81% above national avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.81% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month Share & IRA Certificates
$500
3.56% ▲ 0.81% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.81% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Sep 28, 2026

Woodbury 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
9740 Tamarack Dr, Woodbury, MN 55125
5 Year Certificate of Deposit
$500
4.30% ▲ 1.46% above national avg
View
▼
Rate4.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6789 Upper Afton Rd, Woodbury, MN 55125
60 Month Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
5 Year (60 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 5 Year (60 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
5 Year (60 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
563 Bielenberg Dr, Woodbury, MN 55125
Business 5 Year (60 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
60 Month Certificate
$0
3.04% ▲ 0.20% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.20% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1605 Queens Dr Ste 101, Woodbury, MN 55125
60 Month FlexRate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
60 Month Savers Certificate
$100
2.64% ▼ 0.20% below national avg
View
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▼ 0.20% below avg
Details

Rate History
No change since Sep 26, 2026 · 2.64% APY
2.14%2.64%3.14%Sep 26, 2026: 2.64% APYSep 26, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
60 Month CD
$0
1.25% ▼ 1.59% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.59% below avg
Details

Balance: $100,000.-$249,999.

Rate History
No change since Sep 15, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 15, 2026: 1.25% APYSep 15, 2026Sep 28, 2026
Highland Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
2230 Eagle Creek Ln, Woodbury, MN 55129
60 Month Certificate
$0
1.25% ▼ 1.59% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 1.59% below avg
Details

Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 30 months interest on amount withdrawn

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
60 Month CD
$0
1.20% ▼ 1.64% below national avg
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.64% below avg
Details

Balance: $25,000.00 - $99,999.99

Rate History
No change since Sep 15, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 15, 2026: 1.20% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
60 Month CD
$0
1.10% ▼ 1.74% below national avg
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.74% below avg
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 15, 2026: 1.10% APYSep 15, 2026Sep 28, 2026
North American Banking Co.
Institution Rating:
A4.8 ★Texas Ratio: 4.61%
9260 Hudson Rd, Woodbury, MN 55125
60 Month CD
$500
1.00% ▼ 1.84% below national avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 15, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 15, 2026: 1.00% APYSep 15, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.75% ▲ 1.91% above national avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.91% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
BASIC CERTIFICATES - 60 month
$0
4.50% ▲ 1.66% above national avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.66% above avg
Details

Available as an IRA

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Business Certificates of Deposit
$25,000
4.40% ▲ 1.56% above national avg
View
▼
Rate4.33%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

Minimum Balance to Obtain APY: $25,000

Rate History
No change since Sep 27, 2026 · 4.40% APY
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Certificate
$25,000
4.40% ▲ 1.56% above national avg
View
▼
Rate4.33%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

Term: 60 Month ($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%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Term Share Certificates
$0
4.31% ▲ 1.47% above national avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.47% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Sep 18, 2026: 4.31% APYSep 18, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 60 Month
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Business Certificates of Deposit
$500
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Minimum Balance to Obtain APY: $500**

Rate History
No change since Sep 27, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Sep 28, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Certificate
$500
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Minimum balance to obtain APY is $500**

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • 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 of Deposit
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificates
$0
4.08% ▲ 1.24% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.24% above avg
Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Sep 28, 2026
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
60 Month Share Certificate
$1,000
4.07% ▲ 1.23% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
60 Month Certificate of Deposit
$0
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year IRA Certificates
$500
4.03% ▲ 1.19% above national avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.19% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 3 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Sep 28, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Term Certificates
$500
4.03% ▲ 1.19% above national avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.19% above avg
Details

Penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 4 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
60 Month Certificate of Deposit
$0
4.01% ▲ 1.17% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.17% above avg
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
60 Month Certificate of Deposit
$0
3.96% ▲ 1.12% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: $10,000 - $39,999.99

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.96% ▲ 1.12% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Certificate of Deposit
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
60 Month Certificate of Deposit
$0
3.91% ▲ 1.07% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.07% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
60 Month Certificate
$500
3.90% ▲ 1.06% above national avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$25,000
3.87% ▲ 1.03% above national avg
View
▼
Rate3.80%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Sep 18, 2026: 3.87% APYSep 18, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 19, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 19, 2026: 3.14% APYSep 27, 2026: 3.85% APYSep 19, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 3.14%
  • Sep 19, 20263.14%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
60 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month Share & IRA Certificates
$10,000
3.77% ▲ 0.93% above national avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.77% APY · checked 2 times
3.27%3.77%4.27%Sep 18, 2026: 3.77% APYSep 18, 2026Sep 28, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
  • Sep 27, 20263.75%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
5 Year Relationship CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
60 Month Certificate
$500
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
60-month Share Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Tier 2; Balance: $2,500 and over

Rate History
No change since Sep 25, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
60 Month Term Share Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
IRA Term Share Certificates-Traditional & Roth - 5 Year
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 5 years
$1,000
3.70% ▲ 0.86% above national avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $1,000.00+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Jumbo Share Certificates
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Traditional/Roth IRA Share Certificates - 60 Month
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details

Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Woodbury, Minnesota Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
CorTrust Bank
5 Year Certificate of Deposit
A+ 5.0 ★ TX: 5.11%
Min: $500
4.30%
Bell Bank
3 Month (91 Day) CD
A 5.0 ★ TX: 8.15%
Min: $0
3.60%
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A 5.0 ★ TX: 6.32%
Min: $2,500
1.51%
Highland Bank
12 Month Certificate
C+ 4.1 ★ TX: 26.29%
Min: $0
1.40%
North American Banking Co.
60 Month CD
A 4.8 ★ TX: 4.61%
Min: $0
1.25%
CU Top 5 Credit Union Rates
Associated Healthcare Credit Union
18 Month CD Special
A+ 5.0 ★ TX: 3.27%
Min: $0
4.40%
Expedition Credit Union
6 Month FlexRate
A+ 5.0 ★ TX: 1.78%
Min: $0
4.06%
Pipefitters Steamfitters Credit Union
12 Month Roth IRA
A+ 5.0 ★ TX: 3.83%
Min: $500
3.04%
Ideal Credit Union
18 Month Savers Certificate
A+ 5.0 ★ TX: 5.61%
Min: $100
2.64%
Metropolitan Services Credit Union
6 Month NEW Youth CD
A+ 5.0 ★ TX: 0.00%
Min: $500
8.00%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Woodbury, MN CD Rate Trends

Compare local Woodbury, MN CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Minnesota CD Trends
12-Month CD MN Avg
2.942%
▼ 0.010 vs 7 days ago

Minnesota 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD MN Avg
2.768%
▲ 0.001 vs 7 days ago

Minnesota 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through September 2027?

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

MN 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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

Spread model: The Minnesota 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for Woodbury, Minnesota Savers

$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MN Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

1,294
CD Rates
Tracked in Woodbury, Minnesota
76 Banks 45 Credit Unions

About Our Woodbury, Minnesota CD Rate Database

MonitorBankRates tracks 1,294 CD rates from 76 banks and 45 credit unions with locations in Woodbury, 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 (1–5), 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: Associated Healthcare Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Woodbury, Minnesota.

How to Find the Best CD Rates in Woodbury, Minnesota

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

To find the best APYs in Woodbury, Minnesota, start with credit unions and online-only banks: Woodbury, Minnesota has 45 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 Woodbury, 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 Woodbury, Minnesota: 121 institutions here report CD rates

Consider an Alternative If…

Woodbury, Minnesota Financial Snapshot

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

Population 65+
13.7%
National avg: 17.3%
Median Individual Earnings
$63,716
National avg: $47,340
Poverty Rate
5.3%
National avg: 11.1%
Unemployment Rate
3.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$187/yr
At MN 12-mo avg 2.942% APY

13.7% of residents are 65 or older, below the national average of 17.3%. At today’s MN 12-month CD average of 2.942%, saving 10% of the local median salary ($6,371/year) and putting it in a CD would earn an additional $187 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 Woodbury, 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 (90–180 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 Woodbury, 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 Woodbury, 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 Woodbury, Minnesota as everywhere in the U.S.

Choosing a CD Term in Woodbury, 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 Woodbury, Minnesota savers easier access to their funds. For example, Expedition Credit Union is offering its 6 Month FlexRate at 4.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CorTrust Bank is offering its 5 Year Certificate of Deposit at 4.30% 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 Woodbury, 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 Woodbury, 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 Woodbury, 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 Woodbury, 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 Woodbury, Minnesota

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

Are CD rates in Woodbury, Minnesota FDIC insured?

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

Here are recent top rates found for this area:
  • Associated Healthcare Credit Union: 4.40% APY (18 Month CD Special)
  • CorTrust Bank: 4.30% APY (5 Year Certificate of Deposit)
  • Expedition Credit Union: 4.06% APY (6 Month FlexRate)
  • Bell Bank: 3.60% APY (3 Month (91 Day) CD)
  • Pipefitters Steamfitters Credit Union: 3.04% APY (12 Month Roth IRA)
  • Ideal Credit Union: 2.64% APY (18 Month Savers Certificate)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • Highland Bank: 1.40% APY (12 Month Certificate)
  • North American Banking Co.: 1.25% APY (60 Month CD)
  • Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
Rates reflect recent verified offers available in Woodbury, Minnesota. Last Updated: September 28, 2026

Woodbury, 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 Woodbury, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Woodbury, Minnesota CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Woodbury, Minnesota. Averages shown use the Minnesota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Woodbury, Minnesota

Woodbury, Minnesota CD Calculator

At today’s MN top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Woodbury, Minnesota CD Ladder

MN CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Woodbury, Minnesota CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Minnesota’s average 12-month CD is 2.942% 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 Woodbury, 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 Woodbury, 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 Woodbury, 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: September 28, 2026

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