Wimbledon, North Dakota CD rates range from 0.05% to 4.90% APY, verified by MonitorBankRates as of October 23, 2026. Current Wimbledon, North Dakota CD rates include Bank ForwardBank Forward122 3rd Ave, Wimbledon, ND 58492A5.0 ★Texas Ratio: 6.75%Real return: -0.45%APY minus CPIRate verified Oct 20, 2026 offering Certificate of Deposit - 12 Months at 3.25% APY, Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.58%Real return: +1.20%APY minus CPIRate verified Oct 20, 2026 offering 24 Month CD at 4.90% APY, American Bank & TrustAmerican Bank & TrustA+5.0 ★Texas Ratio: 3.70%Real return: +0.90%APY minus CPIRate verified Oct 22, 2026 offering 12 Month CD & IRA-CD Special Offer at 4.60% APY, First Community Credit Union Jamestown, NDFirst Community Credit Union Jamestown, NDA+5.0 ★Texas Ratio: 3.52%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering MyFirst Investment - 12 Month CD at 4.50% APY, and North Star Community Credit UnionNorth Star Community Credit UnionA5.0 ★Texas Ratio: 13.82%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering Youth 18 Month at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Wimbledon has 12 local institutions in our database, with CD rates as high as 3.25% APY from Bank Forward at 122 3rd Ave, Wimbledon, ND 58492. 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, 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: October 23, 2026
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Balance: $100,000+; Early withdrawal penalty may be imposed
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
$500; Certificate of Deposit with $500 minimum balance; Rate: 3.494%; APY: 3.55%
Relationship CD; eligibility: Gate City Bank checking account
Balance tier: $10,000.00 minimum to obtain APY
Early Withdrawal Penalty: 90 days dividends
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Balance tier: $0.01 minimum to obtain APY
Effective Date: June 1, 2026
Balance: $150,000+
Balance: $100,000-$149,999
Balance: $50,000-$99,999
Balance: $25,000-$49,999
Balance: $500-$24,999
Balance: $50,000+
Balance: $50,000+
Balance: $25,000 to $49,999
Balance: $25,000 to $49,999
Balance: $10,000 to $24,999
Balance: $10,000 to $24,999
Balance: $500 to $9,999
Balance: $500 to $9,999
Balance: $25,000+
Balance: $10,000 - $24,999
Balance: $500 - $9,999
Balance: $25,000 minimum; APYE: 0.15%
Balance: $250 minimum; APYE: 0.10%
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: up to $100,000; Rates for ZIP code 60603
$500; Certificate of Deposit with $500 minimum balance; Special rate; Rate: 4.073%; APY: 4.15%
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Call to get started; Penalty for early withdrawal; 6-month term requires $250 minimum
Minimum deposit of $250 for the 6-month term
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Traditional/Roth/Educational Savings Accounts; Early Withdrawal Penalty: 60 days' dividends
Minimum deposit: $500; Early withdrawal penalty: 60 days' dividends (terms of 12 months or less)
Effective Date: Friday, October 23rd, 2026
Effective Date: Friday, October 23rd, 2026
Rates advertised as high as; APY = Annual Percentage Yield
Effective October 22, 2026; Penalty may be imposed for early withdrawal.
Balance: $500 - $9,999
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Balance tier: $10,000.00 minimum to obtain APY
Balance: $100,000+; Early withdrawal penalty may be imposed
$500; Certificate of Deposit with $500 minimum balance; Rate: 3.686%; APY: 3.75%
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance tier: $0.01 minimum to obtain APY
Balance: $150,000+
All certificates have a minimum deposit of $1,000 except 17 & younger which have a minimum of $500
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Penalty for early withdrawal; auto-renews at current rate with 10 day grace period; Insured by NCUA
Balance: $100,000-$149,999
Effective Date: September 28, 2026; Early withdrawal subject to penalty
Balance: $50,000-$99,999
Balance: $25,000-$49,999
Effective Date: June 1, 2026
Balance: $500-$24,999
Balance: $25,000.00 and up; Minimum Balance to Obtain APY: $0.01
Relationship CD; eligibility: Gate City Bank checking account
Early Withdrawal Penalty: 90 days dividends
Balance: $0 to $24,999.99; Minimum Balance to Obtain APY: $0.01
Balance: $25,000+
Two penalty-free withdrawals after account established for 7 days, minimum $1,000 per withdrawal; additional withdrawals may incur penalty; Checking Account Relationship required; not available for Public Funds; offer applies to CD renewals or new money to AB&T only; IRA-CDs consult financial advisor or tax professional
Ages: 0-17; Maximum balance $10,000; Additional deposits of $250 or more allowed; One MyFirst Investment (CD) per child/member (per SSN); CD maturity tied to child's birthday and automatically renews until age 18; Early withdrawal penalty may apply
Minimum $100+; Early withdrawal penalty: terms of 12 months or less 60 days' dividends
Traditional/Roth/Educational Savings Accounts; Early Withdrawal Penalty: 60 days' dividends
Minimum deposit: $500; Early withdrawal penalty: 60 days' dividends (terms of 12 months or less)
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Ages: 21 & younger; Early Withdrawal Penalty: 90 days dividends
Rates advertised as high as; APY = Annual Percentage Yield
$500; Certificate of Deposit with $500 minimum balance; Special rate; Rate: 4.075%; APY: 4.15%
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Balance: $100,000-$149,999
Effective October 22, 2026; Penalty may be imposed for early withdrawal.
Homepage banner; APY as of 7-30-26; required opening and minimum balance of $25,000.00; penalties for early withdrawal may be imposed
Effective Date: Friday, October 23rd, 2026
Effective Date: Friday, October 23rd, 2026
Balance: $50,000-$99,999
Effective Date: 10/1/2026
Balance: $500-$24,999
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Penalty for early withdrawal; auto-renews at current rate with 10 day grace period; Insured by NCUA
Minimum to open $200 for kids and young adults ages 0-23; Penalty for early withdrawal; auto-renews at current rate with 10 day grace period; Insured by NCUA
Effective Date: September 28, 2026; Early withdrawal subject to penalty
Jumbo; Effective Date: September 28, 2026; Early withdrawal subject to penalty
$500; Certificate of Deposit with $500 minimum balance; Rate: 3.688%; APY: 3.75%
Balance: $100,000+; Early withdrawal penalty may be imposed
Balance tier: $10,000.00 minimum to obtain APY
Rates posted as of October 9, 2026; penalty for early withdrawal may be imposed
Effective Date: June 1, 2026; Traditional, Roth & Coverdell IRA certificate; Early withdrawal penalties may reduce earnings
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance tier: $0.01 minimum to obtain APY
Effective Date: June 1, 2026
Balance: $25,000.00 and up; Minimum Balance to Obtain APY: $0.01
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; Effective Date: September 1, 2026
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Balance: $500+
Homepage promotional banner: Build your savings faster. Earn more with a 11-mo. or 18-mo. CD at 4.20% APY.
CD Specials
Effective October 22, 2026; Penalty may be imposed for early withdrawal.
Balance: $100,000-$149,999
Balance: $50,000-$99,999
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Balance: $500-$24,999
Balance: $500 - $99,999; Payment Frequency: Semiannually
Effective Date: Friday, October 23rd, 2026
Effective Date: Friday, October 23rd, 2026
Early Withdrawal Penalty: 182 days dividends
Effective Date: September 28, 2026; Early withdrawal subject to penalty
Jumbo; Effective Date: September 28, 2026; Early withdrawal subject to penalty
Balance tier: $10,000.00 minimum to obtain APY
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
$500; Certificate of Deposit with $500 minimum balance; Rate: 2.960%; APY: 3.00%
Balance tier: $0.01 minimum to obtain APY
Balance: $25,000+
Balance: $10,000 - $24,999
Balance: $500 - $9,999
Dividend Rate; minimum certificate deposit of $500.00 to obtain APY
Balance: $25,000+
Balance: $25,000+
Balance: $10,000 to $24,999
Balance: $10,000 to $24,999
Balance: $500 to $9,999
Balance: $500 to $9,999
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: up to $100,000; Rates for ZIP code 60603
Minimum balance printed as "$500,00.00"
Balance: $500+
Special; Early Withdrawal Penalty: 182 days dividends
Penalty for early withdrawal; auto-renews at current rate with 10 day grace period; Insured by NCUA
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Relationship CD; eligibility: Gate City Bank checking account
Minimum $100+; Early withdrawal penalty: terms of 13 months or longer 120 days' dividends
Traditional/Roth/Educational Savings Accounts; Early Withdrawal Penalty: 120 days' dividends
Minimum deposit: $500; Early withdrawal penalty: 120 days' dividends (terms of 13 months or longer)
Balance: $150,000+
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Balance: $100,000-$149,999
Balance: $50,000-$99,999
Balance: $25,000-$49,999
Effective Date: Friday, October 23rd, 2026
Effective Date: Friday, October 23rd, 2026
Balance: $500-$24,999
Youth certificate for ages 0-19; Maximum deposit $7,500
Balance: $100,000+; Early withdrawal penalty may be imposed
Rates posted as of October 9, 2026; penalty for early withdrawal may be imposed
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Balance: $25,000.00 and up; Minimum Balance to Obtain APY: $0.01
Effective Date: June 1, 2026; Traditional, Roth & Coverdell IRA certificate; Early withdrawal penalties may reduce earnings
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Balance: $0 to $24,999.99; Minimum Balance to Obtain APY: $0.01
Balance tier: $10,000.00 minimum to obtain APY
Balance: $500 - $9,999
Traditional/Roth/Educational Savings Accounts; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early Withdrawal Penalty: 120 days' dividends
Minimum deposit: $500; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early withdrawal penalty: 120 days' dividends (terms of 13 months or longer)
Bump certificate
Penalty for early withdrawal; 36, 48 and 60 month terms allow one step up after 12 months; auto-renews at current rate with 10 day grace period; Insured by NCUA
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Balance: $99,999.01 or more; Payment Frequency: Annually
2 Options
Balance: $500 - $99,999; Payment Frequency: Annually
Balance: $150,000+
Balance: $100,000-$149,999
Relationship CD; eligibility: Gate City Bank checking account
Balance: $50,000-$99,999
Balance: $25,000-$49,999
Balance: $100,000+; Early withdrawal penalty may be imposed
Balance: $500-$24,999
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Early Withdrawal Penalty: 182 days dividends
Rates posted as of October 9, 2026; penalty for early withdrawal may be imposed
Balance: $25,000.00 and up; Minimum Balance to Obtain APY: $0.01
Balance: $0 to $24,999.99; Minimum Balance to Obtain APY: $0.01
Balance: $500 - $9,999
Dividend Rate; minimum certificate deposit of $500.00 to obtain APY
$500; Certificate of Deposit with $500 minimum balance; Rate: 2.471%; APY: 2.50%
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Certificates of Deposit; $500.00 minimum opening balance; A penalty may be assessed for early withdrawals
IRA certificate; $500 minimum balance
Balance: $25,000+
Balance: $25,000+
Balance: $10,000 to $24,999
Balance: $10,000 to $24,999
Balance: $500 to $9,999
Balance: $500 to $9,999
Balance: $25,000 minimum; APYE: 0.85%
Bump certificate
Traditional/Roth/Educational Savings Accounts; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early Withdrawal Penalty: 120 days' dividends
Minimum deposit: $500; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early withdrawal penalty: 120 days' dividends (terms of 13 months or longer)
Effective October 22, 2026; Penalty may be imposed for early withdrawal.
Early Withdrawal Penalty: 365 days dividends
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Relationship CD; eligibility: Gate City Bank checking account
Balance: $150,000+
Penalty for early withdrawal; 36, 48 and 60 month terms allow one step up after 12 months; auto-renews at current rate with 10 day grace period; Insured by NCUA
Balance: $100,000+; Early withdrawal penalty may be imposed
Balance: $100,000-$149,999
Balance: $50,000-$99,999
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Balance: $25,000-$49,999
Balance: $500-$24,999
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Effective Date: June 1, 2026; Traditional, Roth & Coverdell IRA certificate; Early withdrawal penalties may reduce earnings
Effective Date: June 1, 2026
Call to get started; Penalty for early withdrawal
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Certificates of Deposit; $500.00 minimum opening balance; A penalty may be assessed for early withdrawals
Balance: $25,000 minimum; APYE: 1.21%
Balance: $100 minimum; APYE: 1.15%
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: up to $100,000; Rates for ZIP code 60603
Bump certificate
Traditional/Roth/Educational Savings Accounts; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early Withdrawal Penalty: 120 days' dividends
Minimum deposit: $500; One Time Bump option on the interest rate after 12 months; not automatically renewable; Early withdrawal penalty: 120 days' dividends (terms of 13 months or longer)
Effective October 22, 2026; Penalty may be imposed for early withdrawal.
Balance: $99,999.01 or more; Payment Frequency: Annually
Early Withdrawal Penalty: 365 days dividends
Balance: $500 - $99,999; Payment Frequency: Annually
Relationship CD; eligibility: Gate City Bank checking account
Balance: $100,000+; Early withdrawal penalty may be imposed
Penalty for early withdrawal; 36, 48 and 60 month terms allow one step up after 12 months; auto-renews at current rate with 10 day grace period; Insured by NCUA
Balance: $25,000 - $99,999; Early withdrawal penalty may be imposed
Long-Term Savings with Flexibility; ongoing contributions allowed, deposits as low as $25; grow up to $100,000; page also prints 'Competitive 3.40% APY' in a feature bullet; APY accurate as of 010/07/2026; penalty may apply for early withdrawal
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Balance: $1,000 - $24,999; Early withdrawal penalty may be imposed
Balance: $150,000+
Rates posted as of October 9, 2026; penalty for early withdrawal may be imposed
Balance: $100,000-$149,999
Dividend Rate; minimum certificate deposit of $500.00 to obtain APY
Balance: $50,000-$99,999
Balance: $25,000-$49,999
Balance: $25,000.00 and up; Minimum Balance to Obtain APY: $0.01
Effective Date: September 28, 2026; Early withdrawal subject to penalty
Effective Date: June 1, 2026; Traditional, Roth & Coverdell IRA certificate; Early withdrawal penalties may reduce earnings
Balance: $500-$24,999
Balance: $0 to $24,999.99; Minimum Balance to Obtain APY: $0.01
$500; Certificate of Deposit with $500 minimum balance; Rate: 2.957%; APY: 3.00%
Effective Date: June 1, 2026; 60M allows 1-time rate bump after 18 months
Balance tier: $10,000.00 minimum to obtain APY
Balance tier: $0.01 minimum to obtain APY
Call to get started; Penalty for early withdrawal
Any term between 6 months and 60 months may be negotiated
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Uniflex: one-time exchange of interest rate for a new rate during term
Certificates of Deposit; $500.00 minimum opening balance; A penalty may be assessed for early withdrawals
Compare local Wimbledon, 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 rose 0.061 points over the past 7 days to 3.413% APY.
North Dakota 6-month CD rates rose 0.008 points over the past 7 days to 3.399% APY.
Where are North Dakota CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.584% | $129.20 | $258.40 | $646.00 | $1,292.00 |
| 6-Month CD | 3.399% | $169.96 | $339.91 | $849.78 | $1,699.55 |
| 12-Month CD | 3.413% | $170.63 | $341.25 | $853.13 | $1,706.25 |
| 18-Month CD | 3.315% | $165.77 | $331.53 | $828.83 | $1,657.65 |
| 24-Month CD | 3.237% | $161.84 | $323.67 | $809.18 | $1,618.35 |
| 36-Month CD | 3.135% | $156.73 | $313.46 | $783.65 | $1,567.30 |
| 48-Month CD | 3.187% | $159.36 | $318.71 | $796.78 | $1,593.55 |
| 60-Month CD | 3.249% | $162.47 | $324.93 | $812.33 | $1,624.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
$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 | 2.584% | $129.20 |
| 2 | 6-Month CD | $5,000 | 3.399% | $169.96 |
| 3 | 12-Month CD | $5,000 | 3.413% | $170.63 |
| 4 | 24-Month CD | $5,000 | 3.237% | $161.84 |
| 5 | 36-Month CD | $5,000 | 3.135% | $156.73 |
| Total ($25,000 invested) | $25,000 | 3.153% blended | $788.36/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.
MonitorBankRates tracks 443 CD rates from 24 banks and 23 credit unions with locations in Wimbledon, 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 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: Bank Forward offers a CD at 3.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wimbledon, North Dakota.
What to compare when shopping for a CD in Wimbledon, North Dakota
To find the best APYs in Wimbledon, North Dakota, start with credit unions and online-only banks: Wimbledon, North Dakota has 23 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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 3.413%, saving 10% of the local median salary ($4,610/year) and putting it in a CD would earn an additional $157 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Wimbledon, 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 Wimbledon, North Dakota as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wimbledon, North Dakota savers easier access to their funds. For example, Bank Forward is offering its Certificate of Deposit - 6 Months at 3.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bank Forward is offering its Certificate of Deposit - 60 Months at 3.25% 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.
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 Wimbledon, 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.
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 Wimbledon, North Dakota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wimbledon, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Wimbledon, North Dakota 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.
At today’s ND top rate of 3.25% APY, a $10,000 deposit earns $325 in the first year. Enter your amount to see your exact return.
Wimbledon, North Dakota CD LadderND CD rates currently range from 2.584% (3-month) to 3.135% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wimbledon, North Dakota CD at 3.25% 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 SavingsNorth Dakota’s average 12-month CD is 3.413% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wimbledon, 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 Wimbledon, 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 Wimbledon, 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.