CD Rates Fargo, North Dakota (ND) for March 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Fargo, North Dakota CD rates include Fargo Public Schools Federal Credit UnionFargo Public Schools Federal Credit Union1462 Broadway N, Fargo, ND 58102A+5.0 ★Texas Ratio: 0.04% offering 6 Month Share Certificate at 4.00% APY, KodaBankKodaBank3181 42nd St S, Fargo, ND 58104A+5.0 ★Texas Ratio: 0.61% offering 3 Month CD at 3.80% APY, VISIONBank Saint Francis, MNVISIONBank Saint Francis, MN3000 25th St S, Fargo, ND 58103A5.0 ★Texas Ratio: 6.85% offering 12 Month Certificate of Deposit at 3.75% APY, Bell BankBell Bank520 Main Ave, Fargo, ND 58103A+5.0 ★Texas Ratio: 2.41% offering 3 Month (91 Day) CD at 3.60% APY, and Capital Credit UnionCapital Credit Union4900 13th Ave S, Fargo, ND 58103A5.0 ★Texas Ratio: 11.17% offering Certificates of Deposit Minimum Balance 3-Month at 3.55% APY. CD rates as of March 31, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Fargo, North Dakota, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 31, 2026
Compare Best CD Rates in Fargo, North Dakota & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
3 Month CD
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 3-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
3 Month Relationship CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
3 Month Share Certificate
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
3 Month CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
compounded at maturity
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$70,000
3.34%
▼
Rate3.30%
Min Deposit$70,000
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
3 Month CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
202 S Main St, Bowman, ND 58623
3 Month CD
$500
3.24%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.43%
109 Central Ave N, Maddock, ND 58348
STANDARD CERTIFICATES 3 Month
$500
2.75%
▼
Rate2.73%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
3 Month Certificates of Deposit (CDs)
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
6 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
6 Month CD
$100,000
3.78%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 6-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
6 Month Relationship CD
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND 58201
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$500,000
3.94%
▼
Rate3.90%
Min Deposit$500,000
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
6 Month CD
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
compounded at maturity
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
6 Month CD
$500
3.68%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.43%
109 Central Ave N, Maddock, ND 58348
STANDARD CERTIFICATES 6 Month
$500
3.60%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
6 month CD Investments
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1430 S BROADWAY, MINOT, ND 58701 5933
6 Month Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Minimum deposit: $500
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
423 Broadway, Buxton, ND 58218
6 Month Certificate of Deposit
$2,500
3.38%
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
202 S Main St, Bowman, ND 58623
6-Month CD
$500
3.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3030 Demers Ave, Grand Forks, ND 58201
6 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
All certificates have a minimum deposit of $1,000 except for 17 & younger which have a minimum of $500
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
6 Month - Youth Certificates of Deposit (CDs)
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
1 year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
12 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
12 Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
1 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
12 Month Share Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$500,000
3.70%
▼
Rate3.70%
Min Deposit$500,000
Min Balance—
UpdatedMar 31, 2026
Details
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
209 Main Street, Rolette, ND 58366
12 Month CD
$0
3.68%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND 58201
12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1430 S BROADWAY, MINOT, ND 58701 5933
12 Month Share Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
Minimum deposit: $500
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
12 Month CD
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
12 Month CD
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
423 Broadway, Buxton, ND 58218
1 Year Certificate of Deposit
$2,500
3.35%
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
12 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
12 Month Certificates of Deposit (CDs)
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
12 Month CD
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
18 Month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND 58102
18 Month Share Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
18 Month IRA CD Certificates of Deposit (CDs)
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
209 Main Street, Rolette, ND 58366
18 Month CD
$0
3.68%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
18 Month IRA CD
$1,000
3.51%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
18 month CD
$1,000
3.08%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
18 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
18 Month CD
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
18 Month variable * IRA
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$50,000.01 +
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
20 1st St N, New Rockford, ND 58356 2201
18 Month Jumbo Share Term Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
24 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
2 Year (24 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
24 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
2 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 24-Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD Certificates of Deposit (CDs)
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$50,000
3.80%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
423 Broadway, Buxton, ND 58218
2 Year Certificate of Deposit
$2,500
3.10%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
24 Month CD
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
24 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
24 Month CD
$500
2.90%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
24 Month CD
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
36 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
3 Year (36 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
36 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
3 Year Relationship CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 36-Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
IRA 36 MONTH
$100
3.73%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
423 Broadway, Buxton, ND 58218
3 Year Certificate of Deposit
$2,500
3.10%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
36 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
36 Month Bump Rate CD
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
36 Month CD
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
36 Month Certificates of Deposit (CDs)
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
4 Year Relationship CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
48 Month CD
$25,000
3.40%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMar 31, 2026
Details
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
48 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
209 Main Street, Rolette, ND 58366
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
48 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
48 Month CD
$2,500
3.00%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
48 month CD Investments
$0
2.96%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
48 Month CD
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
60 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3181 42nd St S, Fargo, ND 58104
60 Month CD
$100,000
3.60%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMar 31, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
520 Main Ave, Fargo, ND 58103
5 Year (60 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Daily Balance of $99,999.01 or more
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND 58103 2397
60 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND 58103
Certificates of Deposit Minimum Balance 60-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
$500
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
500 2nd Ave N, Fargo, ND 58102
5 Year Relationship CD
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
IRA 60 MONTH
$100
3.94%
▼
Rate3.90%
Min Deposit$100
Min Balance—
UpdatedMar 31, 2026
Details
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
209 Main Street, Rolette, ND 58366
60 Month CD
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
60 month CD Investments
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
423 Broadway, Buxton, ND 58218
5 Year Certificate of Deposit
$2,500
3.10%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 31, 2026
Details
First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
700 Lincoln Ave, Harvey, ND 58341
60 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
60 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 31, 2026
Details
Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
13 Main Ave N, Kulm, ND 58456
5 Year CD
$500
2.65%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMar 31, 2026
Details
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
60 Month CD
$0
2.40%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
20 1st St N, New Rockford, ND 58356 2201
5 Year Share Term Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 31, 2026
Details
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MonitorBankRates
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.
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Fargo, ND CD Rate Trends
Compare local Fargo, ND CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ND Avg
3.233%
▼ 0.062 from last week
North Dakota 12-month CD rates fell 0.062 points this week to 3.233% APY, down from 3.295% last week.
6-Month CD — ND Avg
3.374%
▲ 0.048 from last week
North Dakota 6-month CD rates rose 0.048 points this week to 3.374% APY, up from 3.326% last week.
As of Mar 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Fargo, North Dakota
Are CD rates in Fargo, North Dakota FDIC insured?
Yes, most established banks in Fargo, North Dakota 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 Fargo, North Dakota?
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 Fargo, North Dakota.
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 Fargo, North Dakota 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 Fargo, North Dakota?
Here are recent top rates found for this area:
- Fargo Public Schools Federal Credit Union: 4.00% APY (6 Month Share Certificate)
- KodaBank: 3.80% APY (3 Month CD)
- VISIONBank Saint Francis, MN: 3.75% APY (12 Month Certificate of Deposit)
- Bell Bank: 3.60% APY (3 Month (91 Day) CD)
- Capital Credit Union: 3.55% APY (Certificates of Deposit Minimum Balance 3-Month)
- Gate City Bank: 3.50% APY (4 Year Relationship CD)
- Town and Country Credit Union: 3.30% APY (12 Month CD)
- Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD Certificates of Deposit (CDs))
- Med Park Credit Union: 4.10% APY (6 Month CD)
- Dakota Community Bank & Trust: 3.94% APY (6 MONTH CD)
Rates reflect recent verified offers available in Fargo, North Dakota. Last Updated: March 31, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Fargo, 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 Fargo, 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.
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: March 31, 2026
