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CD Rate Trends

Minnesota Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure 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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Minnesota CD rates range from 0.20% to 8.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Minnesota CD rates include Metropolitan Services Credit UnionMetropolitan Services Credit Union475 Etna St Ste 10, Saint Paul, MN 55106 5845A+5.0 ★Texas Ratio: 0.00%Real return: +5.20%APY minus CPI (February 2026) offering 6 Month NEW Youth CD at 8.00% APY, Nicolet BankNicolet Bank706 N Walnut St, Chaska, MN 55318A+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.75% APY, PSB of PlainviewPSB of Plainview100 4th Ave Se, Plainview, MN 55964A-4.7 ★Texas Ratio: 9.93%Real return: +1.83%APY minus CPI (February 2026) offering 12 Month Certificate at 4.63% APY, Cornerstone State BankCornerstone State Bank500 Main St, Madison Lake, MN 56063A5.0 ★Texas Ratio: 6.12%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420A+5.0 ★Texas Ratio: 4.41%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Basic Certificate at 4.50% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Minnesota side-by-side. Minnesota CD rates currently reach as high as 8.00% APY from Metropolitan Services Credit Union at 475 Etna St Ste 10, Saint Paul, MN 55106 5845. 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 13, 2026

Compare Best CD Rates in Minnesota

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Minnesota 3 Month CD Rates

MonitorBankRates Minnesota Average · 3 Month CD2.11% APY▼ 0.05% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Minnesota is 2.11% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16% ▲ 2.05% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 2.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2400 W Bridge St, Owatonna, MN 55060 5003
Share Certificate - 3-Month Special
$0
4.15% ▲ 2.04% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▲ 2.04% above avgNationally 2.09%
Details

Special rate for new certificates only; does not apply to renewals; renews to a 6-month term at maturity; Account holder may be subject to early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2400 W Bridge St, Owatonna, MN 55060 5003
Share Certificate 3-Month Special
$500
4.15% ▲ 2.04% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▲ 2.04% above avgNationally 2.09%
Details

Rates effective September 21, 2026; Special rate for new certificates only, does not apply to renewals; at maturity renews to 6-month term

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
400 Elm Ave, Moose Lake, MN 55767
3 Month CD Special
$25,000
4.10% ▲ 1.99% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.99% above avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
3 Month Share Certificate
$1,000
4.00% ▲ 1.89% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.89% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
3 Months Certificate of Deposit
$0
3.91% ▲ 1.80% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.80% above avgNationally 2.09%
Details

Balance: $250,000.00 and up; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9800 Bren Rd E, Minnetonka, MN 55343
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.74% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Minnesota Average2.11%▲ 1.74% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
3 Months Certificate of Deposit
$0
3.85% ▲ 1.74% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.74% above avgNationally 2.09%
Details

Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month Certificate
$0
3.80% ▲ 1.69% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.69% above avgNationally 2.09%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
3 Month Certificate
$0
3.76% ▲ 1.65% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.65% above avgNationally 2.09%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 7, 2026: 3.76% APYOct 7, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
3 Month Basic Certificate
$0
3.75% ▲ 1.64% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Basic Certificates

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
3 Month Term Share Certificates
$1,000
3.75% ▲ 1.64% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 3.59% → 3.75% ▲ 0.16 pts · high 3.75% / low 3.59%
3.09%3.67%4.25%Sep 18, 2026: 3.59% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.59%
  • Sep 18, 20263.59%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month Certificate
$0
3.70% ▲ 1.59% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Balance: $25,000 - $99,999*

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
3 Month Business Share Certificate
$1,000
3.70% ▲ 1.59% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.60% ▲ 1.49% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month Certificate
$0
3.60% ▲ 1.49% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Balance: $1,000 - $24,999*

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
3 Months Certificate of Deposit
$0
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

Balance: $50,000.00-$99,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
3 Month Certificate
$500
3.55% ▲ 1.44% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
3 Month Certificate
$500
3.50% ▲ 1.39% above Minnesota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.39% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 18, 2026: 3.55% APYOct 6, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.50%▼ from 3.55%
  • Sep 18, 20263.55%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7685 Zachary Ln N, Maple Grove, MN 55369
3-Month CD
$1,000
3.40% ▲ 1.29% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.29% above avgNationally 2.09%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2929 20th St S, Moorhead, MN 56560
3 Month Relationship CD
$0
3.40% ▲ 1.29% above Minnesota avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 13, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
3 Month C.D.
$1,000
3.39% ▲ 1.28% above Minnesota avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
3 Months Certificate of Deposit
$0
3.29% ▲ 1.18% above Minnesota avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.18% above avgNationally 2.09%
Details

Balance: $1,000-$49,999.99; Compounding: Interest At Maturity

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
106 6th St S, Walker, MN 56484
3 Month Certificate
$500
3.25% ▲ 1.14% above Minnesota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.14% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Tribe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3730 Stevens Ave, Minneapolis, MN 55409
3 Month Certificate
$0
3.21% ▲ 1.10% above Minnesota avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.21% APY · checked 2 times
2.71%3.21%3.71%Oct 6, 2026: 3.21% APYOct 6, 2026Oct 13, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
745 Market St, Mendota Heights, MN 55118
3 Month Certificate
$0
3.15% ▲ 1.04% above Minnesota avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 1.04% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
2.50%3.08%3.65%Sep 14, 2026: 3.00% APYOct 7, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 3 Month
$0
3.05% ▲ 0.94% above Minnesota avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
901 3rd Avenue South, Minneapolis, MN 55402
3 Month AmeripriseInstallment Certificate
$0
3.00% ▲ 0.89% above Minnesota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
Regular CDs - 3 months
$500
3.00% ▲ 0.89% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
8499 Tamarack Rd, Woodbury, MN 55125 9201
3 Month Regular & IRA Certificate
$0
3.00% ▲ 0.89% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2929 20th St S, Moorhead, MN 56560
3 Month (90 Day) CD
$0
2.90% ▲ 0.79% above Minnesota avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.79% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Minnesota Power Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90% ▲ 0.79% above Minnesota avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▲ 0.79% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
901 3rd Avenue South, Minneapolis, MN 55402
3 Month Certificate
$0
2.75% ▲ 0.64% above Minnesota avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Relationship Rate

Rate History
1 change since Sep 14, 2026 · 0.50% → 2.75% ▲ 2.25 pts · high 2.75% / low 0.50%
0.00%2.50%5.00%Sep 14, 2026: 0.50% APYOct 7, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.75%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 3 Month
$0
2.75% ▲ 0.64% above Minnesota avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Vance Ave S, Erskine, MN 56535
3 MONTH CD
$0
2.67% ▲ 0.56% above Minnesota avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.56% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.67% APY · checked 6 times
2.17%2.67%3.17%Sep 14, 2026: 2.67% APYSep 14, 2026Oct 13, 2026
CNB of Park Rapids
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
300 1st St W, Park Rapids, MN 56470
3 Month CD
$1,000
2.53% ▲ 0.42% above Minnesota avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.42% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 3 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
128 4th Ave S, Brownton, MN 55312
3 Month Certificate of Deposit
$1,000
2.52% ▲ 0.41% above Minnesota avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▲ 0.41% above avgNationally 2.09%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Certificate
$0
2.50% ▲ 0.39% above Minnesota avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month IRA Certificate
$0
2.50% ▲ 0.39% above Minnesota avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Traditional & Roth IRA Certificate
$2,500
2.50% ▲ 0.39% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 Broadway St Ne, Minneapolis, MN 55413
3 Month Certificates of Deposit
$10,000
2.22% ▲ 0.11% above Minnesota avg
View
▼
Rate2.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.11% above avgNationally 2.09%
Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties**: 3 month loss of interest can be taken from principal

Rate History
No change since Oct 8, 2026 · 2.22% APY · checked 2 times
1.72%2.22%2.72%Oct 8, 2026: 2.22% APYOct 8, 2026Oct 13, 2026
Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 Broadway St Ne, Minneapolis, MN 55413
3 Month Certificates of Deposit
$1,000
2.12% ▲ 0.01% above Minnesota avg
View
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.11%▲ 0.01% above avgNationally 2.09%
Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties**: 3 month loss of interest can be taken from principal

Rate History
No change since Oct 8, 2026 · 2.12% APY · checked 2 times
1.62%2.12%2.62%Oct 8, 2026: 2.12% APYOct 8, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$150,000
2.05% ▼ 0.06% below Minnesota avg
View
▼
Rate2.03%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.11%▼ 0.06% below avgNationally 2.09%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
3 Month Certificates of Deposit
$0
2.02% ▼ 0.09% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.09% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Oct 13, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
195 N Broadway, Alden, MN 56009
3 Month Certificate
$25,000
2.02% ▼ 0.09% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.09% below avgNationally 2.09%
Details

Balance: $25,000 and over

Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 7, 2026: 2.02% APYOct 7, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
400 Elm Ave, Moose Lake, MN 55767
3 Month CD
$1,000
2.01% ▼ 0.10% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.11%▼ 0.10% below avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month

Rate History
No change since Sep 24, 2026 · 2.01% APY · checked 5 times
1.51%2.01%2.51%Sep 24, 2026: 2.01% APYSep 24, 2026Oct 13, 2026
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
161 Marie Ave E, West St Paul, MN 55118 4004
3 Month Youth Certificate of Deposit
$25
2.01% ▼ 0.10% below Minnesota avg
View
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.11%▼ 0.10% below avgNationally 2.09%
Details

Maximum $5000

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 5 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 13, 2026
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
3 Month Share Certificate
$0
2.00% ▼ 0.11% below Minnesota avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.11%▼ 0.11% below avgNationally 2.09%
Details

Rate History
No change since Sep 21, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 21, 2026: 2.00% APYSep 21, 2026Oct 13, 2026
Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
195 N Broadway, Alden, MN 56009
3 Month Certificate
$10,000
1.96% ▼ 0.15% below Minnesota avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.11%▼ 0.15% below avgNationally 2.09%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 1.96% APY · checked 2 times
1.46%1.96%2.46%Oct 7, 2026: 1.96% APYOct 7, 2026Oct 13, 2026

Minnesota 6 Month CD Rates

MonitorBankRates Minnesota Average · 6 Month CD2.90% APY▼ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Minnesota is 2.90% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD
$500
8.00% ▲ 5.10% above Minnesota avg
View
▼
Rate8.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 5.10% above avgNationally 2.78%
Details

$500-$1000; limit of one CD per member; Open a Youth CD

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 5 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APYSep 18, 2026Oct 13, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
6 Month CD Special Promotion
$0
4.31% ▲ 1.41% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Sep 18, 2026: 4.31% APYSep 18, 2026Oct 13, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
201 E Marion St, Lake City, MN 55041
6 Month CD
$500
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
6 Month Special Certificate
$1,000
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.78%
Details

Special rate.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
400 Elm Ave, Moose Lake, MN 55767
6 Month CD Special
$25,000
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.78%
Details

Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 3, 2026: 4.20% APYOct 3, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
6 Month Fixed CD
$250
4.16% ▲ 1.26% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
6-month share certificate
$0
4.16% ▲ 1.26% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
104 W Main St, Ceylon, MN 56121
6-Month Promo CD
$10,000
4.15% ▲ 1.25% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.25% above avgNationally 2.78%
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
6 Months Certificate of Deposit
$0
4.14% ▲ 1.24% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.24% above avgNationally 2.78%
Details

Balance: $250,000.00 and up; Compounding: Interest At Maturity

Rate History
1 change since Sep 14, 2026 · 3.89% → 4.14% ▲ 0.25 pts · high 4.14% / low 3.89%
3.39%4.02%4.64%Sep 14, 2026: 3.89% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
22 Central Ave S, Richmond, MN 56368
6-Month CD
$500
4.10% ▲ 1.20% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.20% above avgNationally 2.78%
Details

APY=Annual Percentage Yield. A penalty may be applied for early withdrawal. Fees may reduce earnings. Not valid with any other offer. Rates effective as of 09/24/2026. Expires on or before 10/18/2026.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
640 W Bridge St, Owatonna, MN 55060
6 Month CD Specials
$5,000
4.06% ▲ 1.16% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.16% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
17330 State Highway 371, Brainerd, MN 56401
6-Month CD
$1,000
4.05% ▲ 1.15% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.15% above avgNationally 2.78%
Details

Published APY range: 4.05%-4.11%. A dividend penalty will be charged for early withdrawal* *60 day early withdrawal penalty on 6 Month CD

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
6 Months Certificate of Deposit
$0
4.04% ▲ 1.14% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.14% above avgNationally 2.78%
Details

Balance: $100,000.00-$249,999.99; Compounding: Interest At Maturity

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYSep 24, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
745 Market St, Mendota Heights, MN 55118
6 Month CD
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Prime Security Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
201 Main St N, Karlstad, MN 56732
High-yield 6 month CDs
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

CALL NOW

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
6 Month Certificate
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
6 Month Share Certificate
$1,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
6 Month Jumbo CD
$0
3.95% ▲ 1.05% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.05% above avgNationally 2.78%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
6 Month Term Share Certificates
$1,000
3.95% ▲ 1.05% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.05% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 18, 2026: 3.80% APYOct 13, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Highway 7, Hopkins, MN 55305
6 Month Certificate Special
$0
3.90% ▲ 1.00% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.78%
Details

Rake In The Savings! Put your money into one of our certificate specials this fall!

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
6 Month Jumbo Certificate
$25,000
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.78%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
6 Month Jumbo CD
$500
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.78%
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Oct 9, 2026 · 3.95% → 3.85% ▼ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Oct 9, 2026: 3.95% APYOct 13, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.85%▼ from 3.95%
  • Oct 9, 20263.95%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
6 Month Jumbo IRA Certificate
$500
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.78%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
6 Month Certificate
$0
3.81% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.91% above avgNationally 2.78%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 7, 2026: 3.81% APYOct 7, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
600 W 3rd Ave N, Aurora, MN 55705 1269
6 Months Certificate
$0
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
6 Month Basic Certificate
$0
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Basic Certificates

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYSep 25, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
6 Month Certificate
$1,000
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.78%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
190 S 3rd Ave, Lismore, MN 56155
6 Month CD
$0
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month Certificate
$0
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.78% APY · checked 2 times
3.28%3.78%4.28%Oct 7, 2026: 3.78% APYOct 7, 2026Oct 13, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
430 Bridge Ave, Albert Lea, MN 56007
6 Month Share Certificates (CDs)
$1,000
3.78% ▲ 0.88% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 0.88% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68%
3.18%3.73%4.28%Sep 14, 2026: 3.68% APYOct 9, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.78%▲ from 3.68%
  • Sep 14, 20263.68%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
6 Month Certificate
$1,000
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Certificate (new deposits)
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month IRA Certificate (new deposits)
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Traditional & Roth IRA Certificate
$2,500
3.75% ▲ 0.85% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.78%
Details

Term: 6 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
128 4th Ave S, Brownton, MN 55312
6 Month Certificate of Deposit
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
801 11th St, Two Harbors, MN 55616
6 Month Share Certificate
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
6 Month Certificate
$500
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

One time NO PENALTY withdrawal

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
6 Month Certificate
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
6 Month Certificate of Deposit
$500
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $500.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Certificate (current deposits)
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month IRA Certificate (current deposits)
$0
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Traditional & Roth IRA Certificate
$2,500
3.70% ▲ 0.80% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Term: 6 Months (current deposits)

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
6 Month Business Share Certificate
$1,000
3.70% ▲ 0.80% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.80% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month Certificate
$0
3.68% ▲ 0.78% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.78% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999*

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
6 Month Certificate
$1,000
3.65% ▲ 0.75% above Minnesota avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.75% above avgNationally 2.78%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
6 Month Certificate
$500
3.60% ▲ 0.70% above Minnesota avg
View
▼
Rate3.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Unity One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
1535 Beam Ave, Maplewood, MN 55109
6 Month Certificate
$0
3.60% ▲ 0.70% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
6 Month Jumbo and Jumbo IRA Certificate
$100,000
3.59% ▲ 0.69% above Minnesota avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.69% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46%
2.96%3.53%4.09%Sep 14, 2026: 3.46% APYOct 10, 2026: 3.59% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.59%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1018 Hobart St, Hawley, MN 56549
6 Month (182 Day) CD
$0
3.58% ▲ 0.68% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 0.68% above avgNationally 2.78%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month Certificate
$0
3.58% ▲ 0.68% above Minnesota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.68% above avgNationally 2.78%
Details

Balance: $1,000 - $24,999*

Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 7, 2026: 3.58% APYOct 7, 2026Oct 13, 2026

Minnesota 12 Month CD Rates

MonitorBankRates Minnesota Average · 12 Month CD3.06% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Minnesota is 3.06% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
12 Month Certificate
$0
4.63% ▲ 1.57% above Minnesota avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.57% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
205 Main St, Frost, MN 56033
12 Month Certificate
$0
4.30% ▲ 1.24% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.24% above avgNationally 2.99%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
12-month IRA share certificate
$0
4.27% ▲ 1.21% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.27%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
12-month share certificate
$0
4.27% ▲ 1.21% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.27%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
12 Month Certificate
$0
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month Certificate
$1,000
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month IRA
$1,000
4.25% ▲ 1.19% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
9 W Minnesota Ave, Winger, MN 56592
12 Month Business Special CD
$0
4.20% ▲ 1.14% above Minnesota avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Oct 7, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Oct 7, 2026: 4.00% APYOct 11, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.20%▲ from 4.00%
  • Oct 7, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
12 Month Term Share Certificates
$1,000
4.16% ▲ 1.10% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 1.10% above avgNationally 2.99%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
3.56%4.11%4.66%Sep 18, 2026: 4.06% APYOct 13, 2026: 4.16% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.16%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
12 Months Certificate of Deposit
$0
4.15% ▲ 1.09% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.09% above avgNationally 2.99%
Details

Balance: $250,000.00 and up; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
12 Month CD
$25,000
4.15% ▲ 1.09% above Minnesota avg
View
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 1.09% above avgNationally 2.99%
Details

Term: 12 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
1 Year Certificate
$500
4.10% ▲ 1.04% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$500
4.06% ▲ 1.00% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
12 Month CD Special Promotion
$0
4.06% ▲ 1.00% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
14989 Florence Trl, Apple Valley, MN 55124
12 Month FlexRate Certificate
$0
4.06% ▲ 1.00% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 1.00% above avgNationally 2.99%
Details

FlexRate: one rate change allowed during certificate life; penalty may apply for withdrawals before maturity

Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$100,000
4.05% ▲ 0.99% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Balance: $100,000-$149,999

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$500
4.01% ▲ 0.95% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.95% above avgNationally 2.99%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
745 Market St, Mendota Heights, MN 55118
12 Month CD
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 12 Month
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
12 Months Certificate of Deposit
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
12 Month CD
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.00%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
400 4th Ave Ne, Saint Joseph, MN 56374
12-Month CD
$10,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
12 Month Certificate
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
12 Month Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $500.00

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
Regular CDs - 12 months
$500
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
Special CDs - 12 months
$5,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
600 W 3rd Ave N, Aurora, MN 55705 1269
1 Year Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
430 Bridge Ave, Albert Lea, MN 56007
1 Year Share Certificates (CDs)
$1,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 1 Year
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
Term Share Certificates - 12 Month
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year Youth Flex Certificate
$100
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$50,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
12 Month (Moneywise Available) Certificate
$0
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.94% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$500
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
102 Main St S, Hutchinson, MN 55350
1 Year Certificate
$0
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 11, 2026: 3.96% APYOct 11, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
12 Month Fixed CD
$250
3.96% ▲ 0.90% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.06%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
12 Month Jumbo Certificate
$25,000
3.95% ▲ 0.89% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.89% above avgNationally 2.99%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
12 Month Jumbo CD
$0
3.95% ▲ 0.89% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.89% above avgNationally 2.99%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$500
3.91% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.06%▲ 0.85% above avgNationally 2.99%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
1 Year Certificate
$1,000
3.91% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.85% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
316 Byron Ave N, Byron, MN 55920
12 Month Certificate of Deposit
$0
3.90% ▲ 0.84% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$500
3.90% ▲ 0.84% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Balance: $500-$24,999

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
1 Year Certificate
$1,000
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
12 Month Jumbo CD
$500
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Oct 9, 2026 · 3.95% → 3.85% ▼ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Oct 9, 2026: 3.95% APYOct 13, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.85%▼ from 3.95%
  • Oct 9, 20263.95%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
12 Month Jumbo IRA Certificate
$500
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month Certificate (new deposits)
$0
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month IRA Certificate (new deposits)
$0
3.85% ▲ 0.79% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month Traditional & Roth IRA Certificate
$2,500
3.85% ▲ 0.79% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Term: 12 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year Jumbo and Jumbo IRA Certificate
$100,000
3.84% ▲ 0.78% above Minnesota avg
View
▼
Rate3.79%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.06%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84%
3.34%3.84%4.35%Sep 14, 2026: 3.85% APYOct 10, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▼ from 3.85%
  • Sep 14, 20263.85%first recorded

Minnesota 18 Month CD Rates

MonitorBankRates Minnesota Average · 18 Month CD3.14% APY▲ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Minnesota is 3.14% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
360 Sherman St, Saint Paul, MN 55102
18 Month CD Special
$0
4.40% ▲ 1.26% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.26% above avgNationally 2.87%
Details

Special

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
18-month share certificate
$0
4.37% ▲ 1.23% above Minnesota avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 1.23% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.11% APYOct 9, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.37%▲ from 4.11%
  • Sep 18, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
22 Central Ave S, Richmond, MN 56368
18-Month CD
$500
4.35% ▲ 1.21% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.21% above avgNationally 2.87%
Details

APY=Annual Percentage Yield. A penalty may be applied for early withdrawal. Fees may reduce earnings. Not valid with any other offer. Rates effective as of 09/24/2026. Expires on or before 10/18/2026.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
18 Month Basic Certificate
$0
4.35% ▲ 1.21% above Minnesota avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 1.21% above avgNationally 2.87%
Details

Basic Certificates

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
205 Main St, Frost, MN 56033
18 Month Certificate
$0
4.30% ▲ 1.16% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.16% above avgNationally 2.87%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 18 Month
$0
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
3025 145th St W, Rosemount, MN 55068
IRA/Roth IRA 18 Month+
$250
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Method of Compounding: Daily

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
18 Month Certificate
$0
4.25% ▲ 1.11% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.11% above avgNationally 2.87%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
18 Month Certificate
$500
4.20% ▲ 1.06% above Minnesota avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
316 Byron Ave N, Byron, MN 55920
18 Month Certificate of Deposit
$0
4.20% ▲ 1.06% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Oct 13, 2026
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
131 W Superior St, Duluth, MN 55802
CD Special - 18 Months
$2,500
4.20% ▲ 1.06% above Minnesota avg
View
▼
Rate4.13%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 28, 2026 · 4.17% → 4.20% ▲ 0.03 pts · high 4.20% / low 4.17%
3.67%4.19%4.70%Sep 28, 2026: 4.17% APYOct 8, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 8, 20264.20%▲ from 4.17%
  • Sep 28, 20264.17%first recorded
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
18 Months Certificate of Deposit
$0
4.15% ▲ 1.01% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 1.01% above avgNationally 2.87%
Details

Balance: $250,000.00 and up; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
18 Month Jumbo CD
$0
4.15% ▲ 1.01% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 1.01% above avgNationally 2.87%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
101 State St N, Waseca, MN 56093
18 month CD
$2,000
4.11% ▲ 0.97% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.97% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.51% → 4.11% ▲ 1.60 pts · high 4.11% / low 2.51%
0.91%3.31%5.71%Sep 14, 2026: 2.51% APYOct 7, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.11%▲ from 2.51%
  • Sep 14, 20262.51%first recorded
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
430 Bridge Ave, Albert Lea, MN 56007
18 Month IRA Share Certificates (CDs)
$0
4.10% ▲ 0.96% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.14%▲ 0.96% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
102 Main St S, Hutchinson, MN 55350
18 Month Certificate
$0
4.06% ▲ 0.92% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.92% above avgNationally 2.87%
Details

Rate History
No change since Oct 11, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 11, 2026: 4.06% APYOct 11, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
18 Month Jumbo CD
$500
4.05% ▲ 0.91% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.91% above avgNationally 2.87%
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Oct 9, 2026 · 4.15% → 4.05% ▼ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Oct 9, 2026: 4.15% APYOct 13, 2026: 4.05% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.05%▼ from 4.15%
  • Oct 9, 20264.15%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
18 Month Jumbo IRA Certificate
$500
4.05% ▲ 0.91% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.91% above avgNationally 2.87%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month Jumbo and Jumbo IRA Certificate
$100,000
4.01% ▲ 0.87% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.87% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
18 Months Certificate of Deposit
$0
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
110 W Rose St, Owatonna, MN 55060
6 - 18 Month Choose your term certificate of deposit
$15,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Rate is variable and can change at any time. Refinance your existing CD from another institution.

Rate History
1 change since Sep 14, 2026 · 3.71% → 4.00% ▲ 0.29 pts · high 4.00% / low 3.71%
3.21%3.86%4.50%Sep 14, 2026: 3.71% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
18 Month Business Jumbo Share Certificate
$35,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Share Certificates - 18 Month
$0
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
18 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.86% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.86% above avgNationally 2.87%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month IRA Certificate
$500
3.96% ▲ 0.82% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.82% above avgNationally 2.87%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month Term Certificate
$500
3.96% ▲ 0.82% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.82% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 18 Month
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate (new deposits)
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month IRA Certificate (new deposits)
$0
3.95% ▲ 0.81% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Traditional & Roth IRA Certificate
$2,500
3.95% ▲ 0.81% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.81% above avgNationally 2.87%
Details

Term: 18 Months (new deposits)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
18 Month Certificate
$500
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
18 Month Certificate of Deposit
$500
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Balance: $500.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate (current deposits)
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month IRA Certificate (current deposits)
$0
3.90% ▲ 0.76% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Traditional and Roth IRA Certificates have a $2,500.00 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Traditional & Roth IRA Certificate
$2,500
3.90% ▲ 0.76% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.76% above avgNationally 2.87%
Details

Term: 18 Months (current deposits)

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
18 Month Fixed CD
$250
3.85% ▲ 0.71% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.71% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bonanza Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
147 Central Ave S, Brooten, MN 56316
18 Month Certificate
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
American State Bank of Grygla
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Vance Ave S, Erskine, MN 56535
18 MONTH CD
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
2 Scimed Pl, Maple Grove, MN 55311 1565
18-month term
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
2 Scimed Pl, Maple Grove, MN 55311 1565
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$100,000
3.80% ▲ 0.66% above Minnesota avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.66% above avgNationally 2.87%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
18 Month Business Standard Share Certificate
$2,500
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates - 18 Month
$0
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$50,000
3.75% ▲ 0.61% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.61% above avgNationally 2.87%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
18 Month Certificates of Deposit
$25,000
3.71% ▲ 0.57% above Minnesota avg
View
▼
Rate3.66%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.14%▲ 0.57% above avgNationally 2.87%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56%
3.06%3.64%4.21%Sep 24, 2026: 3.56% APYOct 2, 2026: 3.71% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.71%▲ from 3.56%
  • Sep 24, 20263.56%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
18 Month IRA/HSA Certificate of Deposit
$0
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
801 11th St, Two Harbors, MN 55616
18 Month Share Certificate
$0
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$500
3.70% ▲ 0.56% above Minnesota avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.14%▲ 0.56% above avgNationally 2.87%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
Regular CDs - 18 months
$500
3.65% ▲ 0.51% above Minnesota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.14%▲ 0.51% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
18 Month Certificate
$0
3.61% ▲ 0.47% above Minnesota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.14%▲ 0.47% above avgNationally 2.87%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026

Minnesota 24 Month CD Rates

MonitorBankRates Minnesota Average · 24 Month CD3.07% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Minnesota is 3.07% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 24 Month
$0
4.50% ▲ 1.43% above Minnesota avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
9 W Minnesota Ave, Winger, MN 56592
24 Month Business Special CD
$0
4.40% ▲ 1.33% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Oct 7, 2026: 4.20% APYOct 11, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.40%▲ from 4.20%
  • Oct 7, 20264.20%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
205 Main St, Frost, MN 56033
24 Month Certificate
$0
4.30% ▲ 1.23% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.23% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month IRA share certificate
$0
4.27% ▲ 1.20% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month share certificate
$0
4.27% ▲ 1.20% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 18, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
2 Year Certificate
$500
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
101 State St N, Waseca, MN 56093
24 month CD
$2,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25%
0.25%3.25%6.25%Sep 14, 2026: 2.25% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
24 Month Certificate
$0
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
600 W 3rd Ave N, Aurora, MN 55705 1269
2 Year Certificate
$0
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month Certificate
$1,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month IRA
$1,000
4.25% ▲ 1.18% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
24 Month Term Share Certificates
$1,000
4.21% ▲ 1.14% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 1.14% above avgNationally 2.88%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 4.11% → 4.21% ▲ 0.10 pts · high 4.21% / low 4.11%
3.61%4.16%4.71%Sep 18, 2026: 4.11% APYOct 13, 2026: 4.21% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.21%▲ from 4.11%
  • Sep 18, 20264.11%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 24 Month
$0
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
24 Month CD
$25,000
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Term: 24 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2929 20th St S, Moorhead, MN 56560
2 Year Relationship CD
$0
4.20% ▲ 1.13% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
2.80%3.85%4.90%Sep 19, 2026: 3.50% APYOct 3, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.20%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
MidCountry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
100 S Main St, Sanborn, MN 56083
Variable Rate Certificate of Deposit 24 Month Term
$25,000
4.06% ▲ 0.99% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.99% above avgNationally 2.88%
Details

Rate: Prime minus 3.00%; New money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 19, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 19, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
24 Month Certificate
$0
4.06% ▲ 0.99% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.99% above avgNationally 2.88%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
24 Month CD
$500
4.05% ▲ 0.98% above Minnesota avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.98% above avgNationally 2.88%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year Jumbo and Jumbo IRA Certificate
$100,000
4.04% ▲ 0.97% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
190 S 3rd Ave, Lismore, MN 56155
24 Month CD
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
24 Months Certificate of Deposit
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
State Bank of Faribault
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
428 Central Ave N, Faribault, MN 55021
24 Month Certificate Special
$1,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 19, 2026: 3.75% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
301 Main St E, Mapleton, MN 56065
24 Month Certificate of Deposit
$500
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Pioneer Bank Mapleton, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
301 Main St E, Mapleton, MN 56065
Certificate of Deposit - 24 Months
$500
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
801 11th St, Two Harbors, MN 55616
24 Month Share Certificate
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Jumbo Certificate
$25,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
24 Month Basic Certificate
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Basic Certificates

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 2 Year
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
Term Share Certificates - 24 Month
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
24 Month Business Jumbo Share Certificate
$35,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
24 Month Traditional Standard Share Certificates
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Share Certificates - 24 Month
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
4477 Lavaque Rd, Hermantown, MN 55811
24 Month Share Certificate Special
$0
4.00% ▲ 0.93% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

NEW MONEY = funds that are not currently on deposit with Centricity Credit Union

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.93% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year IRA Certificate
$500
3.99% ▲ 0.92% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.92% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 18, 2026: 3.79% APYOct 10, 2026: 3.99% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.99%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year Term Certificate
$500
3.99% ▲ 0.92% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.07%▲ 0.92% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.79% APYOct 1, 2026: 3.84% APYOct 10, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.99%▲ from 3.84%
  • Oct 1, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$500
3.96% ▲ 0.89% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.89% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 24 Months
$25,000
3.92% ▲ 0.85% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.92% ▲ 0.41 pts · high 3.92% / low 3.51%
3.01%3.72%4.42%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$500
3.91% ▲ 0.84% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.84% above avgNationally 2.88%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 24 Months
$10,000
3.87% ▲ 0.80% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.07%▲ 0.80% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
2.91%3.64%4.37%Sep 14, 2026: 3.41% APYOct 9, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.87%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
400 4th Ave Ne, Saint Joseph, MN 56374
24 Month Certificate
$10,000
3.85% ▲ 0.78% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank.

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Citizens Bank & Trust Co. MN
Institution Rating:
C+3.0 ★Texas Ratio: 2.86%
102 Main St S, Hutchinson, MN 55350
2 Year Certificate
$0
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 11, 2026: 3.85% APYOct 11, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
2 Year Certificate of Deposit
$0
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 70.30%
15 E Main St, Crosby, MN 56441
24 Month IRA CD
$2,500
3.85% ▲ 0.78% above Minnesota avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Certificate
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month IRA Certificate
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

IRA (Traditional, Roth, or Educational)

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
24 Month Step-Up CD
$1,000
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Step-Up Certificate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
24 Month Jumbo CD
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Oct 9, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Oct 9, 2026: 3.75% APYOct 13, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Oct 9, 20263.75%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
24 Month Jumbo IRA Certificate
$500
3.85% ▲ 0.78% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026

Minnesota 36 Month CD Rates

MonitorBankRates Minnesota Average · 36 Month CD2.89% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Minnesota is 2.89% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 36 Month
$0
4.60% ▲ 1.71% above Minnesota avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
3 Year Certificate
$500
4.30% ▲ 1.41% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
36 Month Term Share Certificates
$1,000
4.26% ▲ 1.37% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.37% above avgNationally 2.81%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
3.66%4.21%4.76%Sep 18, 2026: 4.16% APYOct 13, 2026: 4.26% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.26%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month CD
$25,000
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Term: 36 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
36 Month Certificate
$0
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Share Certificates - 36 Month
$0
4.25% ▲ 1.36% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.22% ▲ 1.33% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.33% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 6 times
3.72%4.22%4.72%Sep 19, 2026: 4.22% APYSep 19, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.16% ▲ 1.27% above Minnesota avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.27% above avgNationally 2.81%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 19, 2026: 4.16% APYSep 19, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.24% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.11% ▲ 1.22% above Minnesota avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.22% above avgNationally 2.81%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 19, 2026: 4.11% APYSep 19, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 36 Month
$0
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month CD
$500
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Jumbo Certificate
$25,000
4.10% ▲ 1.21% above Minnesota avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year IRA Certificate
$500
4.08% ▲ 1.19% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.19% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year Term Certificate
$500
4.08% ▲ 1.19% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.19% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.06% ▲ 1.17% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.17% above avgNationally 2.81%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
BankVista
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
1501 Adams St, Mankato, MN 56001
36 Months Certificate of Deposit
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100,000.00-$249,999.99; Compounding: Annually

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
36 Month Basic Certificate
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Basic Certificates; Available as an IRA

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates - 36 Month
$0
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
36 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 1.11% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$25,000
3.98% ▲ 1.09% above Minnesota avg
View
▼
Rate3.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 3.98% ▲ 0.31 pts · high 3.98% / low 3.67%
3.17%3.83%4.48%Sep 14, 2026: 3.67% APYOct 9, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.98%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Certificate
$500
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month IRA Certificate
$500
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

IRA (Traditional, Roth, or Educational)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8111 Lyndale Ave S, Bloomington, MN 55420
36 Month Step-Up CD
$1,000
3.95% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 1.06% above avgNationally 2.81%
Details

Step-Up Certificate

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$10,000
3.93% ▲ 1.04% above Minnesota avg
View
▼
Rate3.86%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.93% ▲ 0.37 pts · high 3.93% / low 3.56%
3.06%3.75%4.43%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.93% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.93%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
3 Year Certificate of Deposit
$0
3.91% ▲ 1.02% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 1.02% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 4 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 36 Months
$500
3.88% ▲ 0.99% above Minnesota avg
View
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.89%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.88% ▲ 0.42 pts · high 3.88% / low 3.46%
2.96%3.67%4.38%Sep 14, 2026: 3.46% APYOct 9, 2026: 3.88% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.88%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate
$0
3.85% ▲ 0.96% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.96% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
3 Year Certificates of Deposit
$25,000
3.81% ▲ 0.92% above Minnesota avg
View
▼
Rate3.76%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.89%▲ 0.92% above avgNationally 2.81%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56%
3.06%3.69%4.31%Sep 24, 2026: 3.56% APYOct 2, 2026: 3.81% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.81%▲ from 3.56%
  • Sep 24, 20263.56%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
36 Month Certificate
$500
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
36 Month IRA/HSA Certificate of Deposit
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
36 Month Fixed Rate Certificates of Deposit
$0
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 3, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
3 Year Certificate
$1,000
3.80% ▲ 0.91% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
400 4th Ave Ne, Saint Joseph, MN 56374
36 Month Certificate
$10,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Limited time offer. $5,000.00 of the funds must be new to Sentry Bank.

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 19, 2026: 3.24% APYSep 24, 2026: 3.70% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Months CD
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 27, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
3 Year Certificate
$1,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 3 Year
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
Term Share Certificates - 36 Month
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Standard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
36 Month Jumbo CD
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Share Certificate
$1,000
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Interest paid quarterly; Effective August 31, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Youth Share Certificate
$250
3.75% ▲ 0.86% above Minnesota avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Youth certificate; Interest paid quarterly; Effective August 31, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
14601 27th Ave N, Plymouth, MN 55447
36 Month Certificate
$0
3.75% ▲ 0.86% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026

Minnesota 48 Month CD Rates

MonitorBankRates Minnesota Average · 48 Month CD2.90% APY▲ 0.03% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Minnesota is 2.90% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 48 Month
$0
4.70% ▲ 1.80% above Minnesota avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.80% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55% ▲ 1.65% above Minnesota avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.65% above avgNationally 2.80%
Details

Balance: $75,000 to $199,999.99

Rate History
No change since Oct 7, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 7, 2026: 4.55% APYOct 7, 2026Oct 13, 2026
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month CD
$25,000
4.35% ▲ 1.45% above Minnesota avg
View
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.45% above avgNationally 2.80%
Details

Term: 48 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$25,000
4.33% ▲ 1.43% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.33% ▲ 0.56 pts · high 4.33% / low 3.77%
3.21%4.05%4.89%Sep 14, 2026: 3.77% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.33%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
48 Month Term Share Certificates
$1,000
4.31% ▲ 1.41% above Minnesota avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.41% above avgNationally 2.80%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 4.21% → 4.31% ▲ 0.10 pts · high 4.31% / low 4.21%
3.71%4.26%4.81%Sep 18, 2026: 4.21% APYOct 13, 2026: 4.31% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.31%▲ from 4.21%
  • Sep 18, 20264.21%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
4 Year Certificate
$500
4.30% ▲ 1.40% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.40% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$10,000
4.28% ▲ 1.38% above Minnesota avg
View
▼
Rate4.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.38% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.28% ▲ 0.61 pts · high 4.28% / low 3.67%
3.06%3.98%4.89%Sep 14, 2026: 3.67% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.28%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
48 Month Certificate
$0
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Share Certificates - 48 Month
$0
4.25% ▲ 1.35% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.35% above avgNationally 2.80%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 48 Months
$500
4.23% ▲ 1.33% above Minnesota avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average2.90%▲ 1.33% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
2.89%3.90%4.90%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.23%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 48 Month
$0
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month CD
$500
4.20% ▲ 1.30% above Minnesota avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.30% above avgNationally 2.80%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.23% above Minnesota avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year IRA Certificate
$500
4.08% ▲ 1.18% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.18% above avgNationally 2.80%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year Term Certificate
$500
4.08% ▲ 1.18% above Minnesota avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.18% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$500
4.06% ▲ 1.16% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.16% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.04% ▲ 1.14% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.14% above avgNationally 2.80%
Details

Balance: $25,000 to $74,999.99

Rate History
No change since Oct 7, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 7, 2026: 4.04% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$500
4.01% ▲ 1.11% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.11% above avgNationally 2.80%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
48 Month Basic Certificate
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Basic Certificates

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 18, 2026: 3.35% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates - 48 Month
$0
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
48 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 1.10% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 1.10% above avgNationally 2.80%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$500
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
48 Month Certificate
$0
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
4 Year Certificate of Deposit
$0
3.96% ▲ 1.06% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.06% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 5 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 7, 2026: 3.96% APYOct 7, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$500
3.91% ▲ 1.01% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.01% above avgNationally 2.80%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year Certificates of Deposit
$25,000
3.90% ▲ 1.00% above Minnesota avg
View
▼
Rate3.84%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.80%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.64% → 3.90% ▲ 0.26 pts · high 3.90% / low 3.64%
3.14%3.77%4.40%Sep 24, 2026: 3.64% APYOct 2, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.90%▲ from 3.64%
  • Sep 24, 20263.64%first recorded
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
48 Month Fixed Rate Certificates of Deposit
$0
3.90% ▲ 1.00% above Minnesota avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 1.00% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
48 Month Certificate
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 19, 2026: 3.24% APYSep 24, 2026: 2.93% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 2.93%
  • Sep 24, 20262.93%▼ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
48 Months CD
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 2.93% → 3.85% ▲ 0.92 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 27, 2026: 2.93% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 2.93%
  • Sep 27, 20262.93%first recorded
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
48 Month Certificate
$500
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
48 Month IRA/HSA Certificate of Deposit
$0
3.85% ▲ 0.95% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.95% above avgNationally 2.80%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
140 Main St, Rollingstone, MN 55969
4 Year Certificate of Deposit
$100
3.80% ▲ 0.90% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.04%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
48-month Share Certificate
$1,000
3.80% ▲ 0.90% above Minnesota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.90% above avgNationally 2.80%
Details

Interest paid quarterly; Effective August 31, 2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
48 Month Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
2 changes since Sep 19, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 19, 2026: 3.14% APYSep 24, 2026: 2.83% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 2.83%
  • Sep 24, 20262.83%▼ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
48 Months CD
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 27, 2026 · 2.83% → 3.75% ▲ 0.92 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 27, 2026: 2.83% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 2.83%
  • Sep 27, 20262.83%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
48 Month IRA/HSA Certificate of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
316 Byron Ave N, Byron, MN 55920
48 Month Certificate of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
48 Month Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
48 Month Fixed Rate Certificates of Deposit
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
801 11th St, Two Harbors, MN 55616
48 Month Share Certificate
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Tier 2; Balance: $2,500 minimum non-IRA, $2,000 IRA

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
130 23rd Ave SW, Rochester, MN 55902
4 Year Certificate
$1,000
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 4 Year
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
380 Stockholm, Boyd, MN 56218
Term Share Certificates - 48 Month
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Standard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
2.45%3.43%4.40%Sep 18, 2026: 3.10% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
48 Month Jumbo CD
$0
3.75% ▲ 0.85% above Minnesota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average2.90%▲ 0.85% above avgNationally 2.80%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026

Minnesota 60 Month CD Rates

MonitorBankRates Minnesota Average · 60 Month CD3.04% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Minnesota is 3.04% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 60 Month
$0
4.75% ▲ 1.71% above Minnesota avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
60 Month Basic Certificate
$0
4.50% ▲ 1.46% above Minnesota avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.46% above avgNationally 2.90%
Details

Basic Certificates; Available as an IRA

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$25,000
4.49% ▲ 1.45% above Minnesota avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.45% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.49% ▲ 0.62 pts · high 4.49% / low 3.87%
3.25%4.18%5.11%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$10,000
4.44% ▲ 1.40% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.44% ▲ 0.67 pts · high 4.44% / low 3.77%
3.10%4.11%5.11%Sep 14, 2026: 3.77% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.44%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
60 Month Term Share Certificates
$1,000
4.42% ▲ 1.38% above Minnesota avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.38% above avgNationally 2.90%
Details

Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term

Rate History
1 change since Sep 18, 2026 · 4.31% → 4.42% ▲ 0.11 pts · high 4.42% / low 4.31%
3.81%4.37%4.92%Sep 18, 2026: 4.31% APYOct 13, 2026: 4.42% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.42%▲ from 4.31%
  • Sep 18, 20264.31%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
60 Month CD
$25,000
4.40% ▲ 1.36% above Minnesota avg
View
▼
Rate4.33%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.36% above avgNationally 2.90%
Details

Term: 60 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
4025 W Old Shakopee Rd, Bloomington, MN 55437
Share & IRA Certificates - 60 Months
$500
4.39% ▲ 1.35% above Minnesota avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 1.35% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.39% ▲ 0.72 pts · high 4.39% / low 3.67%
2.95%4.03%5.11%Sep 14, 2026: 3.67% APYOct 9, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.39%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
5 Year Certificate
$500
4.30% ▲ 1.26% above Minnesota avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
706 N Walnut St, Chaska, MN 55318
CD - 60 Month
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
60 Month CD
$500
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Minimum Balance to Obtain APY: $500**

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
60 Month Certificate
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Create Account

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Jumbo Share Certificates - 60 Month
$0
4.25% ▲ 1.21% above Minnesota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year Jumbo and Jumbo IRA Certificate
$100,000
4.09% ▲ 1.05% above Minnesota avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 Month Share Certificate
$0
4.07% ▲ 1.03% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Effective Date: 10/11/2026

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$500
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
5 Year - Step Up Certificate of Deposit
$0
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month's Interest

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
140 Main St, Rollingstone, MN 55969
5 Year Certificate of Deposit
$1,000
4.06% ▲ 1.02% above Minnesota avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Minnesota Average3.04%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year IRA Certificate
$500
4.04% ▲ 1.00% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year Term Certificate
$500
4.04% ▲ 1.00% above Minnesota avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 1.00% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$500
4.01% ▲ 0.97% above Minnesota avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.97% above avgNationally 2.90%
Details

Balance: $40,000 - $100,000

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
60 Month Fixed Rate Certificates of Deposit
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
2.40%3.60%4.80%Sep 14, 2026: 3.20% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
360 Sherman St, Saint Paul, MN 55102
60 Month Certificate
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Business Standard Share Certificate
$2,500
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 18, 2026: 3.45% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Traditional Standard Share Certificates
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Standard Share Certificates - 60 Month
$0
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
60 Month Share Certificate & IRA/Roth Share Certificate
$1,000
4.00% ▲ 0.96% above Minnesota avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$500
3.96% ▲ 0.92% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.90%
Details

Balance: $10,000 - $40,000

Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 19, 2026: 3.96% APYSep 19, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
60 Month Certificate
$0
3.96% ▲ 0.92% above Minnesota avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.92% above avgNationally 2.90%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
60 Month Jumbo CD
$0
3.95% ▲ 0.91% above Minnesota avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Balance: $250,000.00 and over; Effective September 1, 2026

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
5 Year Certificates of Deposit
$25,000
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Balance: $25,000 and over

Rate History
1 change since Sep 24, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
3.15%3.78%4.41%Sep 24, 2026: 3.65% APYOct 2, 2026: 3.91% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.91%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$500
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 19, 2026: 3.91% APYSep 19, 2026Oct 13, 2026
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
5 Year Certificate of Deposit
$0
3.91% ▲ 0.87% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month's Interest

Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
60 Month Certificate
$500
3.90% ▲ 0.86% above Minnesota avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
60 Month Certificate
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 19, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 19, 2026: 3.14% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
60 Months CD
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 27, 2026: 3.14% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.14%
  • Sep 27, 20263.14%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
60 Month IRA/HSA Certificate of Deposit
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $25,000 - $999,999,999.99

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
60 Month Fixed Rate Certificates of Deposit
$0
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
60 Month Jumbo CD
$500
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Oct 9, 2026 · 3.95% → 3.85% ▼ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Oct 9, 2026: 3.95% APYOct 13, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.85%▼ from 3.95%
  • Oct 9, 20263.95%first recorded
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
501 16th St SE, Rochester, MN 55904
60 Month Jumbo IRA Certificate
$500
3.85% ▲ 0.81% above Minnesota avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Minnesota Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
950 Highway 95 N, Bayport, MN 55003
60 Month Certificate
$1,000
3.80% ▲ 0.76% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Minnesota Average3.04%▲ 0.76% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.80% ▲ 0.77 pts · high 3.80% / low 3.03%
2.26%3.42%4.57%Sep 14, 2026: 3.03% APYOct 7, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
60 Month Certificate
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
60 Months CD
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 27, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 27, 2026: 3.03% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.03%
  • Sep 27, 20263.03%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2929 20th St S, Moorhead, MN 56560
5 Year Relationship CD
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
60 Month Certificate
$500
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 3.75% ▼ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 18, 2026: 3.90% APYOct 6, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.75%▼ from 3.90%
  • Sep 18, 20263.90%first recorded
Security Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
60 Month IRA/HSA Certificate of Deposit
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
First Security Bank Byron, MN
Institution Rating:
C3.9 ★Texas Ratio: 28.08%
316 Byron Ave N, Byron, MN 55920
60 Month Certificate of Deposit
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
60 Month Certificate
$0
3.75% ▲ 0.71% above Minnesota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Minnesota Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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.

Top CD Rates from Minnesota Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
PSB of Plainview
12 Month Certificate
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
Cornerstone State Bank
IRA 36-48 month C.D.
A 5.0 ★ TX: 6.12%
Min: $500
4.55%
Midwest Bank Detroit Lakes, MN
60 Month CD
A+ 5.0 ★ TX: 0.44%
Min: $25,000
4.40%
Ultima Bank Minnesota
24 Month Business Special CD
A+ 5.0 ★ TX: 5.52%
Min: $0
4.40%
CU Top 5 Credit Union Rates
Metropolitan Services Credit Union
6 Month NEW Youth CD
A+ 5.0 ★ TX: 0.00%
Min: $500
8.00%
Affinity Plus Federal Credit Union
60 Month Basic Certificate
A+ 5.0 ★ TX: 4.41%
Min: $0
4.50%
My Credit Union Bloomington, MN
Share & IRA Certificates - 60 Months
A 5.0 ★ TX: 10.33%
Min: $25,000
4.49%
Federated Employees Credit Union
60 Month Term Share Certificates
A+ 5.0 ★ TX: 0.81%
Min: $1,000
4.42%
Associated Healthcare Credit Union
18 Month CD Special
A+ 5.0 ★ TX: 3.27%
Min: $0
4.40%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Minnesota CD Rate Trends

Compare local Minnesota 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.

View Full Minnesota CD Trends
12-Month CD MN Avg
3.058%
▲ 0.016 vs 7 days ago

Minnesota 12-month CD rates rose 0.016 points over the past 7 days to 3.058% APY.

6-Month CD MN Avg
2.900%
▼ 0.005 vs 7 days ago

Minnesota 6-month CD rates fell 0.005 points over the past 7 days to 2.900% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MN 12-Month Avg APY
3.058%
6-Month Forecast
3.058%
Range: 2.86%, 3.21%
12-Month Forecast
3.308%
Range: 3.11%, 3.46%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Minnesota average 12-month CD APY in our database.

Spread model: The Minnesota 12-month CD average currently trades 1.32% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

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 2.109% $105.47 $210.94 $527.35 $1,054.70
6-Month CD 2.900% $145.01 $290.01 $725.03 $1,450.05
12-Month CD 3.058% $152.92 $305.84 $764.60 $1,529.20
18-Month CD 3.142% $157.09 $314.17 $785.43 $1,570.85
24-Month CD 3.071% $153.55 $307.10 $767.75 $1,535.50
36-Month CD 2.891% $144.57 $289.14 $722.85 $1,445.70
48-Month CD 2.898% $144.89 $289.77 $724.43 $1,448.85
60-Month CD 3.042% $152.10 $304.20 $760.50 $1,521.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for 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.

Build Your Ladder
Rung Term Deposit MN Avg APY Annual Earnings
1 3-Month CD $5,000 2.109% $105.47
2 6-Month CD $5,000 2.900% $145.01
3 12-Month CD $5,000 3.058% $152.92
4 24-Month CD $5,000 3.071% $153.55
5 36-Month CD $5,000 2.891% $144.57
Total ($25,000 invested) $25,000 2.806% blended $701.52/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.

Powered byMonitorBankRates
1,432
CD Rates
Tracked in Minnesota
76 Banks 45 Credit Unions

About Our Minnesota CD Rate Database

MonitorBankRates tracks 1,432 CD rates from 76 banks and 45 credit unions with locations in 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: Metropolitan Services Credit Union offers a CD at 8.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Minnesota.

How to Find the Best CD Rates in Minnesota

What to compare when shopping for a CD in Minnesota

To find the best APYs in Minnesota, start with credit unions and online-only banks: Minnesota has 45 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 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 Minnesota: 121 institutions here report CD rates

Consider an Alternative If…

Minnesota Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$50,838
National avg: $47,340
Poverty Rate
9.3%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$155/yr
At MN 12-mo avg 3.058% APY

17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s MN 12-month CD average of 3.058%, saving 10% of the local median salary ($5,083/year) and putting it in a CD would earn an additional $155 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 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

How Certificates of Deposit Work in Minnesota

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 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 Minnesota as everywhere in the U.S.

Choosing a CD Term in Minnesota

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Minnesota savers easier access to their funds. For example, Metropolitan Services Credit Union is offering its 6 Month NEW Youth CD at 8.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Nicolet Bank is offering its Relationship CD - 60 Month at 4.75% 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 Minnesota 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 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 in Minnesota

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 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 in Minnesota

Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Minnesota

Are CD rates in Minnesota FDIC insured?

Yes, most established banks in Minnesota 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 Minnesota?

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 Minnesota.

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 Minnesota 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 Minnesota?

Here are recent top rates found for this area:
  • Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • PSB of Plainview: 4.63% APY (12 Month Certificate)
  • Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
  • Affinity Plus Federal Credit Union: 4.50% APY (60 Month Basic Certificate)
  • My Credit Union Bloomington, MN: 4.49% APY (Share & IRA Certificates - 60 Months)
  • Federated Employees Credit Union: 4.42% APY (60 Month Term Share Certificates)
  • Midwest Bank Detroit Lakes, MN: 4.40% APY (60 Month CD)
  • Ultima Bank Minnesota: 4.40% APY (24 Month Business Special CD)
  • Associated Healthcare Credit Union: 4.40% APY (18 Month CD Special)
Rates reflect recent verified offers available in Minnesota. Last Updated: October 13, 2026

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 Minnesota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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.

Top Minnesota CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Minnesota. Averages shown use the Minnesota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Minnesota

Minnesota CD Calculator

At today’s MN top rate of 8.00% APY, a $10,000 deposit earns $800 in the first year. Enter your amount to see your exact return.

Minnesota CD Ladder

MN CD rates currently range from 2.109% (3-month) to 2.891% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Minnesota CD at 8.00% 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 Savings

Minnesota’s average 12-month CD is 3.058% 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 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 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 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.

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: October 13, 2026

Minnesota Rates & Resources

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Cities in Minnesota

  • Acton
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  • Aitkin
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  • Albert Lea
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  • North Branch
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  • Oakdale
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  • Ogema
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  • Proctor
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  • Ramsey
  • Randall
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  • Ranier
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  • Raymond
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  • Red Wing
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  • Redwood Falls
  • Regal
  • Remer
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  • Rice
  • Rice Lake
  • Richfield
  • Richmond
  • Richville
  • Richwood
  • Riverton
  • Robbinsdale
  • Rochert
  • Rochester
  • Rock Creek
  • Rockford
  • Rockville
  • Rogers
  • Rollingstone
  • Roosevelt
  • Roscoe
  • Rose Creek
  • Roseau
  • Rosemount
  • Roseville
  • Rothsay
  • Round Lake
  • Royalton
  • Rush City
  • Rushford
  • Rushford Village
  • Rushmore
  • Russell
  • Ruthton
  • Rutledge
  • Sabin
  • Sacred Heart
  • Saginaw
  • Saint Anthony
  • Saint Augusta
  • Saint Bonifacius
  • Saint Charles
  • Saint Clair
  • Saint Cloud
  • Saint Francis
  • Saint Hilaire
  • Saint James
  • Saint Joseph
  • Saint Louis Park
  • Saint Martin
  • Saint Marys Point
  • Saint Michael
  • Saint Paul
  • Saint Paul Park
  • Saint Peter
  • Saint Rosa
  • Saint Stephen
  • Saint Vincent
  • Salol
  • Sanborn
  • Sandstone
  • Santiago
  • Sargeant
  • Sartell
  • Sauk Centre
  • Sauk Rapids
  • Savage
  • Sawyer
  • Scandia
  • Scanlon
  • Schroeder
  • Seaforth
  • Searles
  • Sebeka
  • Sedan
  • Shafer
  • Shakopee
  • Shelly
  • Sherburn
  • Shevlin
  • Shoreview
  • Shorewood
  • Side Lake
  • Silver Bay
  • Silver Creek
  • Silver Lake
  • Skyline
  • Slayton
  • Sleepy Eye
  • Sobieski
  • Solway
  • Soudan
  • South Haven
  • South International Falls
  • South Saint Paul
  • Spicer
  • Spring Grove
  • Spring Hill
  • Spring Lake
  • Spring Lake Park
  • Spring Park
  • Spring Valley
  • Springfield
  • Squaw Lake
  • St. Leo
  • Stacy
  • Stanchfield
  • Staples
  • Starbuck
  • Steen
  • Stephen
  • Stewart
  • Stewartville
  • Stillwater
  • Stockton
  • Storden
  • Strandquist
  • Strathcona
  • Sturgeon Lake
  • Sunburg
  • Sunfish Lake
  • Swan River
  • Swanville
  • Swatara
  • Swift
  • Taconite
  • Talmoon
  • Tamarack
  • Taopi
  • Taunton
  • Taylors Falls
  • Tenstrike
  • Thief River Falls
  • Tintah
  • Tofte
  • Tonka Bay
  • Tower
  • Tracy
  • Trail
  • Trimont
  • Trommald
  • Trosky
  • Truman
  • Turtle River
  • Twig
  • Twin Lakes
  • Twin Valley
  • Two Harbors
  • Tyler
  • Ulen
  • Underwood
  • Upsala
  • Urbank
  • Utica
  • Vadnais Heights
  • Vergas
  • Vermillion
  • Verndale
  • Vernon Center
  • Vesta
  • Victoria
  • Viking
  • Village of Minnetonka Beach
  • Villard
  • Vining
  • Virginia
  • Wabasha
  • Wabasso
  • Waconia
  • Wadena
  • Wahkon
  • Waite Park
  • Waldorf
  • Walker
  • Walnut Grove
  • Walters
  • Waltham
  • Wanamingo
  • Wanda
  • Wannaska
  • Warba
  • Warren
  • Warroad
  • Warsaw
  • Waseca
  • Waskish
  • Watertown
  • Waterville
  • Watkins
  • Watson
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  • Wayzata
  • Webster
  • Welch
  • Welcome
  • Wells
  • Wendell
  • West Albany
  • West Concord
  • West Saint Paul
  • West Union
  • Westbrook
  • Westport
  • Whalan
  • Wheaton
  • White Bear Lake
  • White Earth
  • Wilder
  • Willernie
  • Williams
  • Willmar
  • Willow River
  • Wilmont
  • Wilton
  • Windom
  • Winger
  • Winnebago
  • Winona
  • Winsted
  • Winthrop
  • Winton
  • Wirt
  • Wolf Lake
  • Wolverton
  • Wood Lake
  • Woodbury
  • Woodland
  • Woodstock
  • Worthington
  • Wrenshall
  • Wright
  • Wykoff
  • Wyoming
  • Young America
  • Zemple
  • Zimmerman
  • Zumbro Falls
  • Zumbrota