CD Rates Bismarck, North Dakota (ND) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bismarck, North Dakota CD rates include Vue Community Credit UnionVue Community Credit Union818 E Main Ave, Bismarck, ND 58501 4526A+5.0 ★Texas Ratio: 4.44%Real return: +0.85%APY minus CPI (February 2026) offering Certificate of Deposit 3 months at 3.65% APY, Kirkwood Bank & Trust Co.Kirkwood Bank & Trust Co.2911 N 14th St, Bismarck, ND 58503A+5.0 ★Texas Ratio: 0.00%Real return: +0.71%APY minus CPI (February 2026) offering 18 Month IRA CD at 3.51% APY, Gate City BankGate City Bank304 E Rosser Ave, Bismarck, ND 58501A+5.0 ★Texas Ratio: 4.81%Real return: +0.70%APY minus CPI (February 2026) offering 4 Year Relationship CD at 3.50% APY, Railway Credit UnionRailway Credit Union3005 Rock Island Pl, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.17%Real return: +0.70%APY minus CPI (February 2026) offering 12 month CD Investments at 3.50% APY, and Wells FargoWells Fargo400 E Broadway Ave, Bismarck, ND 58501A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY. CD rates as of April 23, 2026 according to verified data from MonitorBankRates.
We compared 30 CD rates from 6 banks and credit unions with local branches in Bismarck, North Dakota. You can also compare 228 CD rates from 32 banks and credit unions available to North Dakota residents, including national online banks.
Bismarck has 27 local institutions in our database, with CD rates as high as 3.65% APY from Vue Community Credit Union at 818 E Main Ave, Bismarck, ND 58501 4526. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Dakota area. 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: April 23, 2026
Compare Best CD Rates in Bismarck, North Dakota & the Surrounding Area
Early withdrawal penalties may apply
compounded at maturity
Maturity
Early withdrawal penalties may apply
compounded at maturity
Maturity
Minimum deposit: $500
Substantial Penalty for early withdrawal. Other conditions may apply.
Early withdrawal penalties may apply
One of our most popular products with even more savings potential than ever! The Options12 CD allows the one-time ability to change your rate and the ability to withdraw up to 50% of your current balance. In ADDITION to that - it also allows a ONE-time additional deposit to the CD less than or equivalent to the initial deposit. The Options12 CD really is a savers dream. APY is accurate as of 01/31/25. Limited time offer. Fixed rate CDs. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer.
ages 21 yrs & younger
Maturity
Minimum deposit: $500
Substantial Penalty for early withdrawal. Other conditions may apply.
Semiannually
Annually
Minimum deposit: $500
Substantial Penalty for early withdrawal. Other conditions may apply.
Annually
Minimum deposit: $500
Substantial Penalty for early withdrawal. Other conditions may apply.
Minimum deposit: $500
Substantial Penalty for early withdrawal. Other conditions may apply.
Annually
Minimum deposit: $500
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bismarck, ND CD Rate Trends
Compare local Bismarck, ND 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 fell 0.218 points over the past 7 days to 2.932% APY.
North Dakota 6-month CD rates fell 0.432 points over the past 7 days to 2.778% APY.
ND CD Rate Forecast — Next 12 Months
Where are North Dakota CD rates headed through April 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 | 2.346% | $117.31 | $234.62 | $586.55 | $1,173.10 |
| 6-Month CD | 2.778% | $138.88 | $277.76 | $694.40 | $1,388.80 |
| 12-Month CD | 2.932% | $146.60 | $293.20 | $733.00 | $1,466.00 |
| 18-Month CD | 2.974% | $148.72 | $297.44 | $743.60 | $1,487.20 |
| 24-Month CD | 3.003% | $150.13 | $300.25 | $750.63 | $1,501.25 |
| 36-Month CD | 2.961% | $148.07 | $296.13 | $740.33 | $1,480.65 |
| 48-Month CD | 3.230% | $161.48 | $322.95 | $807.38 | $1,614.75 |
| 60-Month CD | 3.081% | $154.05 | $308.09 | $770.23 | $1,540.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 23, 2026. | |||||
Sample CD Ladder for Bismarck, 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 | 2.346% | $117.31 |
| 2 | 6-Month CD | $5,000 | 2.778% | $138.88 |
| 3 | 12-Month CD | $5,000 | 2.932% | $146.60 |
| 4 | 24-Month CD | $5,000 | 3.003% | $150.13 |
| 5 | 36-Month CD | $5,000 | 2.961% | $148.07 |
| Total ($25,000 invested) | $25,000 | 2.804% blended | $700.99/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 Bismarck, North Dakota
About Our Bismarck, North Dakota CD Rate Database
MonitorBankRates tracks 228 CD rates from 15 banks and 12 credit unions with locations in Bismarck, 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: Vue Community Credit Union offers a CD at 3.65% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Bismarck, North Dakota.
How to Find the Best CD Rates in Bismarck, North Dakota
What to compare when shopping for a CD in Bismarck, North Dakota
To find the best APYs in Bismarck, North Dakota, start with credit unions and online-only banks — Bismarck, North Dakota has 12 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 Bismarck, 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 Bismarck, North Dakota — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bismarck, North Dakota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bismarck, North Dakota money market rates
Bismarck, North Dakota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
19.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.5% reflects a strong local economy. At today’s ND 12-month CD average of 2.932%, saving 10% of the local median salary ($4,911/year) and putting it in a CD would earn an additional $144 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 Bismarck, 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 |
Frequently Asked Questions about CD Rates in Bismarck, North Dakota
Are CD rates in Bismarck, North Dakota FDIC insured?
Do I have to pay state taxes on CD interest in Bismarck, 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 Bismarck, North Dakota?
- Vue Community Credit Union: 3.65% APY (Certificate of Deposit 3 months)
- Kirkwood Bank & Trust Co.: 3.51% APY (18 Month IRA CD)
- Gate City Bank: 3.50% APY (4 Year Relationship CD)
- Railway Credit Union: 3.50% APY (12 month CD Investments)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD Certificates of Deposit (CDs))
- First National B&T Co. of Bottineau: 4.14% APY (60 Month CD)
- Med Park Credit Union: 4.10% APY (6 Month CD)
- Service Federal Credit Union: 4.00% APY (Business Share Certificate 12 Months)
- Fargo Public Schools Federal Credit Union: 4.00% APY (6 Month Share Certificate)
CD Calculators for Bismarck, North Dakota
At today’s ND top rate of 3.65% APY, a $10,000 deposit earns $365 in the first year. Enter your amount to see your exact return.
Bismarck, North Dakota CD LadderND CD rates currently range from 2.346% (3-month) to 2.961% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bismarck, North Dakota CD at 3.65% 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 2.932% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bismarck, 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 pulling data straight 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 Bismarck, 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.
