Woodbury, Minnesota Best CD Rates November 2026
Brian McKay
Brian McKay
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Woodbury, Minnesota CD rates range from 0.02% to 8.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Woodbury, Minnesota CD rates include Lake Elmo BankLake Elmo Bank7555 Bailey Rd, Woodbury, MN 55129A5.0 ★Texas Ratio: 7.45%Real return: +0.62%APY minus CPIRate verified Nov 11, 2026 offering 6-Month Certificate of Deposit at 4.32% APY, CorTrust BankCorTrust Bank9740 Tamarack Dr, Woodbury, MN 55125A+5.0 ★Texas Ratio: 5.11%Real return: +0.60%APY minus CPIRate verified Nov 11, 2026 offering Certificates of Deposit - 3 Year at 4.30% APY, Expedition Credit UnionExpedition Credit Union1605 Queens Dr Ste 101, Woodbury, MN 55125A+5.0 ★Texas Ratio: 1.78%Real return: +0.36%APY minus CPIRate verified Nov 8, 2026 offering Certificate - 12 Month FlexRate at 4.06% APY, Associated Healthcare Credit UnionAssociated Healthcare Credit Union6789 Upper Afton Rd, Woodbury, MN 55125A+5.0 ★Texas Ratio: 3.27%Real return: +0.30%APY minus CPIRate verified Nov 8, 2026 offering Certificate of Deposit - 60 Month at 4.00% APY, and Bell BankBell Bank563 Bielenberg Dr, Woodbury, MN 55125A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus CPIRate verified Nov 11, 2026 offering Certificate of Deposit - 3 Month (91 Day) CD at 3.85% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Woodbury has 136 local institutions in our database, with CD rates as high as 4.32% APY from Lake Elmo Bank at 7555 Bailey Rd, Woodbury, MN 55129. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Minnesota area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 12, 2026
Compare Best CD Rates in Woodbury, Minnesota & the Surrounding Area
Woodbury 3 Month CD Rates
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Requires an open checking account; Interest rate with checking account; Balance: $250,000.00 and over
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
Requires an open checking account; Interest rate with checking account; Balance: $100,000.00 - $249,999.99
Requires an open checking account; Interest rate with checking account; Balance: $25,000.00 - $99,999.99
Requires an open checking account; Interest rate with checking account; Balance: $10,000.00 - $24,999.99
Requires an open checking account; Interest rate with checking account; Balance: $500.00 - $9,999.99
Balance: $250,000.00 and over
Balance: $100,000.00 - $249,999.99
Balance: $25,000.00 - $99,999.99
Balance: $10,000.00 - $24,999.99
Balance: $500.00 - $9,999.99
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Woodbury 6 Month CD Rates
Celebrate the Season promotional certificate; featured on homepage carousel
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Requires an open checking account; Interest rate with checking account; Balance: $250,000.00 and over
Early withdrawal penalty: 90 days of dividends
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
Requires an open checking account; Interest rate with checking account; Balance: $100,000.00 - $249,999.99
Requires an open checking account; Interest rate with checking account; Balance: $25,000.00 - $99,999.99
Requires an open checking account; Interest rate with checking account; Balance: $10,000.00 - $24,999.99
Not available for IRA; Rates effective November 2026
Additional deposits allowed during term
Requires an open checking account; Interest rate with checking account; Balance: $500.00 - $9,999.99
Balance: $250,000.00 and over
Woodbury 12 Month CD Rates
- Oct 20, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
FlexRate: one rate change allowed during certificate life; rate fixed for term; early withdrawal penalty may apply
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
Balance: $500 - $99,999; Payment Frequency: Maturity
Early withdrawal penalty: 90 days of dividends
IRA
IRA
Rates effective November 2026
Rates effective October 2026
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Additional deposits allowed during term
Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 6 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Woodbury 18 Month CD Rates
- Oct 20, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Balance: $500 - $99,999; Payment Frequency: Semiannually
Early withdrawal penalty: 180 days of dividends
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
Additional deposits allowed during term
Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 9 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Dividends posted quarterly; additional deposits not allowed (except at maturity); withdrawals only at maturity; early withdrawal penalty may apply
- Oct 9, 20264.37%▲ from 4.11%
- Sep 18, 20264.11%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Current CD Special; $500 minimum opening deposit required to obtain APY; Rates effective as of 09/24/2026; Expires on or before 11/15/2026
- Sep 27, 20264.35%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.30%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Woodbury 24 Month CD Rates
- Oct 20, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Early withdrawal penalty: 180 days of dividends
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
FlexRate: one rate change allowed during certificate life; rate fixed for term; early withdrawal penalty may apply
Additional deposits allowed during term
IRA
IRA
Rates effective November 2026
Rates effective October 2026
Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 12 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Woodbury 36 Month CD Rates
- Oct 20, 20264.30%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Early withdrawal penalty: 180 days of dividends
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
FlexRate: one rate change allowed during certificate life; rate fixed for term; early withdrawal penalty may apply
Rates effective November 2026
Additional deposits allowed during term
Rates effective October 2026
Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 18 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
$10 minimum at 36 months and requires a monthly deposit between $10 & $500
- Nov 3, 20264.71%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Woodbury 48 Month CD Rates
- Oct 20, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Early withdrawal penalty: 180 days of dividends
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
FlexRate: one rate change allowed during certificate life; rate fixed for term; early withdrawal penalty may apply
Certificate special; APR column shown as 2.80%
Rates effective November 2026
Additional deposits allowed during term
Rates effective October 2026
Compounding & crediting: Annually and at maturity; Early withdrawal penalty: 24 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $75,000 - $199,999.99; Compounded Semi-Annually
- Oct 20, 20264.86%▲ from 4.55%
- Oct 14, 20264.55%first recorded
Relationship: Direct Deposit Checking; Minimum $2500 to open
- Nov 5, 20264.55%▼ from 4.70%
- Oct 14, 20264.70%first recorded
Balance: $25,000 - $74,999.99; Compounded Semi-Annually
- Oct 20, 20264.35%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Woodbury 60 Month CD Rates
- Oct 20, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Early withdrawal penalty: 180 days of dividends
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Balance: $500.00 - $24,999.99; Effective Date: November 07, 2026
Certificate special; APR column shown as 3.00%
Requires an open checking account; Interest rate with checking account; Balance: $100,000.00 - $249,999.99
FlexRate: one rate change allowed during certificate life; rate fixed for term; early withdrawal penalty may apply
Rates effective November 2026
Rates effective October 2026
Requires an open checking account; Interest rate with checking account; Balance: $250,000.00 and over
Additional deposits allowed during term
Requires an open checking account; Interest rate with checking account; Balance: $25,000.00 - $99,999.99
Requires an open checking account; Interest rate with checking account; Balance: $10,000.00 - $24,999.99
Requires an open checking account; Interest rate with checking account; Balance: $500.00 - $9,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Minnesota 12-month CD rates fell 0.001 points over the past 7 days to 3.091% APY.
Minnesota 6-month CD rates rose 0.005 points over the past 7 days to 2.914% APY.
MN CD Rate Forecast, Next 12 Months
Where are Minnesota CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at MN CD Rates Today
Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.
| CD Term | MN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.193% | $109.66 | $219.33 | $548.32 | $1,096.65 |
| 6-Month CD | 2.914% | $145.71 | $291.42 | $728.55 | $1,457.10 |
| 12-Month CD | 3.091% | $154.54 | $309.07 | $772.68 | $1,545.35 |
| 18-Month CD | 3.162% | $158.10 | $316.20 | $790.50 | $1,581.00 |
| 24-Month CD | 3.099% | $154.96 | $309.92 | $774.80 | $1,549.60 |
| 36-Month CD | 2.935% | $146.75 | $293.50 | $733.75 | $1,467.50 |
| 48-Month CD | 2.933% | $146.65 | $293.30 | $733.25 | $1,466.50 |
| 60-Month CD | 3.041% | $152.06 | $304.12 | $760.30 | $1,520.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for 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.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.193% | $109.66 |
| 2 | 6-Month CD | $5,000 | 2.914% | $145.71 |
| 3 | 12-Month CD | $5,000 | 3.091% | $154.54 |
| 4 | 24-Month CD | $5,000 | 3.099% | $154.96 |
| 5 | 36-Month CD | $5,000 | 2.935% | $146.75 |
| Total ($25,000 invested) | $25,000 | 2.846% blended | $711.62/yr | |
Ladder example uses equal $5,000 rungs and Minnesota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Woodbury, Minnesota
About Our Woodbury, Minnesota CD Rate Database
MonitorBankRates tracks 1,750 CD rates from 69 banks and 40 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Lake Elmo Bank offers a CD at 4.32% 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 40 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Woodbury, Minnesota savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Woodbury, Minnesota money market rates
Woodbury, Minnesota Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
13.7% of residents are 65 or older, below the national average of 17.3%. At today’s MN 12-month CD average of 3.091%, saving 10% of the local median salary ($6,371/year) and putting it in a CD would earn an additional $197 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in 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.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Woodbury, Minnesota savers easier access to their funds. For example, Lake Elmo Bank is offering its 6-Month Certificate of Deposit at 4.32% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CorTrust Bank is offering its Certificates of Deposit - 5 Year 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
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
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
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
What are CD rates in Woodbury, Minnesota today?
Are CD rates in Woodbury, Minnesota FDIC insured?
Do I have to pay state taxes on CD interest in Woodbury, Minnesota?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Woodbury, Minnesota?
- Lake Elmo Bank: 4.32% APY (6-Month Certificate of Deposit)
- CorTrust Bank: 4.30% APY (Certificates of Deposit - 3 Year)
- Expedition Credit Union: 4.06% APY (Certificate - 12 Month FlexRate)
- Associated Healthcare Credit Union: 4.00% APY (Certificate of Deposit - 60 Month)
- Bell Bank: 3.85% APY (Certificate of Deposit - 3 Month (91 Day) CD)
- Ideal Credit Union: 3.80% APY (Regular & IRA Certificate 12 Month)
- North American Banking Co.: 3.79% APY (6 Month CD - Relationship Rate)
- Pipefitters Steamfitters Credit Union: 3.04% APY (12 Month Roth IRA)
- City & County Credit Union: 2.90% APY (60 month CD)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
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.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Woodbury, Minnesota
At today’s MN top rate of 4.32% APY, a $10,000 deposit earns $432 in the first year. Enter your amount to see your exact return.
Woodbury, Minnesota CD LadderMN CD rates currently range from 2.193% (3-month) to 2.935% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Woodbury, Minnesota CD at 4.32% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMinnesota’s average 12-month CD is 3.091% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
Woodbury, Minnesota Rates & Resources
