North Dakota CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
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Current North Dakota CD rates include Dakota Plains Credit UnionDakota Plains Credit Union212 5th Ave, Edgeley, ND 58433A5.0 ★Texas Ratio: 7.91%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month IRA CD at 4.50% APY, North Star Community Credit UnionNorth Star Community Credit Union109 Central Ave N, Maddock, ND 58348A5.0 ★Texas Ratio: 11.00%Real return: +1.70%APY minus CPI (February 2026) offering Youth 18 Month at 4.50% APY, Capital Credit UnionCapital Credit Union204 W Thayer Ave, Bismarck, ND 58501A5.0 ★Texas Ratio: 10.54%Real return: +1.35%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.15% APY, Flasher Community Credit UnionFlasher Community Credit Union105 N Main St, Flasher, ND 58535 7201A5.0 ★Texas Ratio: 5.93%Real return: +1.35%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.15% APY, and First National B&T Co. of BottineauFirst National B&T Co. of Bottineau424 Main St, Bottineau, ND 58318A+5.0 ★Texas Ratio: 0.84%Real return: +1.34%APY minus CPI (February 2026) offering 60 Month CD at 4.14% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in North Dakota side-by-side. North Dakota CD rates currently reach as high as 4.50% APY from Dakota Plains Credit Union at 212 5th Ave, Edgeley, ND 58433. Rates are continually updated — 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: July 25, 2026
Compare Best CD Rates in North Dakota
North Dakota 3 Month CD Rates
Early Withdrawal Penalty: 90 days dividends
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
North Dakota 6 Month CD Rates
Early Withdrawal Penalty: 90 days dividends
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
North Dakota 12 Month CD Rates
With a minimum balance of just $500 and 100% of your deposit in new money, you'll earn 4.15% APY (Annual Percentage Yield). New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Fees may reduce earnings. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.
With a minimum balance of just $500 and 100% of your deposit in new money, you'll earn 4.15% APY (Annual Percentage Yield). New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Fees may reduce earnings. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.
Early Withdrawal Penalty: 90 days dividends
**
Early Withdrawal Penalty: 90 days dividends
Includes: High-Yield Earnings Guaranteed Fixed Rate Automatic Renewal Option Insured up to $250,000
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 1.51%
North Dakota 18 Month CD Rates
Must be under 18 to open. Allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER
Early Withdrawal Penalty: 182 days dividends
North Dakota 24 Month CD Rates
Early Withdrawal Penalty: 182 days dividends
North Dakota 36 Month CD Rates
2 Options
Early Withdrawal Penalty: 182 days dividends
North Dakota 48 Month CD Rates
Early Withdrawal Penalty: 365 days dividends
North Dakota 60 Month CD Rates
Early Withdrawal Penalty: 365 days dividends
**60M allows 1-time rate bump after 18 months
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North Dakota CD Rate Trends
Compare local North Dakota 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.
North Dakota 12-month CD rates currently average 2.975% APY based on data from institutions in our monitoring network.
North Dakota 6-month CD rates currently average 2.884% APY based on data from institutions in our monitoring network.
ND CD Rate Forecast — Next 12 Months
Where are North Dakota CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at ND CD Rates Today
Annual interest earnings at today’s North Dakota average APYs. State average used where available; national average as fallback.
| CD Term | ND Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.638% | $131.92 | $263.84 | $659.60 | $1,319.20 |
| 6-Month CD | 2.884% | $144.19 | $288.38 | $720.95 | $1,441.90 |
| 12-Month CD | 2.975% | $148.74 | $297.47 | $743.68 | $1,487.35 |
| 18-Month CD | 3.235% | $161.74 | $323.47 | $808.68 | $1,617.35 |
| 24-Month CD | 2.950% | $147.50 | $294.99 | $737.48 | $1,474.95 |
| 36-Month CD | 3.142% | $157.11 | $314.21 | $785.53 | $1,571.05 |
| 48-Month CD | 3.244% | $162.22 | $324.43 | $811.08 | $1,622.15 |
| 60-Month CD | 2.965% | $148.25 | $296.49 | $741.23 | $1,482.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for North Dakota Savers
$25,000 split equally across 5 terms using today’s North Dakota average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ND Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.638% | $131.92 |
| 2 | 6-Month CD | $5,000 | 2.884% | $144.19 |
| 3 | 12-Month CD | $5,000 | 2.975% | $148.74 |
| 4 | 24-Month CD | $5,000 | 2.950% | $147.50 |
| 5 | 36-Month CD | $5,000 | 3.142% | $157.11 |
| Total ($25,000 invested) | $25,000 | 2.918% blended | $729.46/yr | |
Ladder example uses equal $5,000 rungs and North Dakota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in North Dakota
About Our North Dakota CD Rate Database
MonitorBankRates tracks 175 CD rates from 13 banks and 13 credit unions with locations in North Dakota, plus national online institutions available to North Dakota 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: Dakota Plains Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in North Dakota.
How to Find the Best CD Rates in North Dakota
What to compare when shopping for a CD in North Dakota
To find the best APYs in North Dakota, start with credit unions and online-only banks — North Dakota has 13 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 North Dakota
- 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 North Dakota — 26 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → North Dakota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → North Dakota money market rates
North Dakota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
16.5% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s ND 12-month CD average of 2.975%, saving 10% of the local median salary ($4,610/year) and putting it in a CD would earn an additional $137 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 North Dakota
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 North Dakota
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 North Dakota 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 North Dakota as everywhere in the U.S.
Choosing a CD Term in North Dakota
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give North Dakota savers easier access to their funds. For example, Med Park Credit Union is offering its 6 MONTH CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First National B&T Co. of Bottineau is offering its 60 Month CD at 4.14% 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 North Dakota 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 North Dakota 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 North Dakota
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 North Dakota 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 North Dakota
Most CDs carry a fixed rate that is locked for the entire term, protecting a North Dakota 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 North Dakota
Are CD rates in North Dakota FDIC insured?
Do I have to pay state taxes on CD interest in North Dakota?
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 North Dakota?
- Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD)
- North Star Community Credit Union: 4.50% APY (Youth 18 Month)
- Capital Credit Union: 4.15% APY (12-Month Certificate of Deposit)
- Flasher Community Credit Union: 4.15% APY (12-Month Certificate of Deposit)
- First National B&T Co. of Bottineau: 4.14% APY (60 Month CD)
- Hometown Credit Union: 4.11% APY (60 months)
- Med Park Credit Union: 4.10% APY (6 MONTH CD)
- Railway Credit Union: 4.00% APY (6 month)
- KodaBank: 3.80% APY (3 Month CD Special)
- Heartland State Bank Edgeley, ND: 3.79% APY (6 Month)
CD Calculators for North Dakota
At today’s ND top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
North Dakota CD LadderND CD rates currently range from 2.638% (3-month) to 3.142% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a North Dakota CD at 4.50% 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 SavingsNorth Dakota’s average 12-month CD is 2.975% 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 North Dakota 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 North Dakota 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 North Dakota. 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 ND.
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.
Cities in North Dakota
