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CD Rate Trends

Minnesota Best CD Rates September 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, 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 of Deposit 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, Mid Minnesota Federal Credit UnionMid Minnesota Federal Credit Union13283 Isle Dr, Baxter, MN 56425 8554A+5.0 ★Texas Ratio: 3.31%Real return: +1.69%APY minus CPI (February 2026) offering 36 Month Fast Forward Term Share Certificate at 4.49% APY, and Associated Healthcare Credit UnionAssociated Healthcare Credit Union360 Sherman St, Saint Paul, MN 55102A+5.0 ★Texas Ratio: 2.74%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month CD Special at 4.40% APY. CD rates as of September 21, 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: September 21, 2026

Compare Best CD Rates in Minnesota

Minnesota 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week

The national average 3-month CD rate is 2.06% APY as of September 22, 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% ▲ 2.10% above national avg
Rate4.10%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.10% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
3 Months Certificate
$0
3.91% ▲ 1.85% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.85% above avg
Details

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

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
3 Months Certificate
$0
3.85% ▲ 1.79% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.79% above avg
Details

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

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.80% ▲ 1.74% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details

Balance: $100,000+*

Reliance Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2300 30th St Nw, Faribault, MN 55021
90 Day Certificates of Deposit and IRA's
$0
3.70% ▲ 1.64% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.70% ▲ 1.64% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details

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

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
3 Month Business Share Certificate
$0
3.70% ▲ 1.64% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details

Balance: $1,000 - $9,999

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
3 Month Share Certificate
$0
3.70% ▲ 1.64% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details

Balance: $1,000 - $9,999

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 3 month
$0
3.65% ▲ 1.59% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.59% above avg
Details

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.60% ▲ 1.54% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

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

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
Business 3 Month (91 Day) CD
$0
3.60% ▲ 1.54% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

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

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
3 Month CD Special
$0
3.60% ▲ 1.54% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details

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

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
3 Month Term Share Certificates
$0
3.59% ▲ 1.53% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.53% above avg
Details

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.55% ▲ 1.49% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

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

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
Business 3 Month (91 Day) CD
$0
3.55% ▲ 1.49% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

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

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
3 Months Certificate
$0
3.55% ▲ 1.49% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.49% above avg
Details

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

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
3 Month Certificate
$0
3.55% ▲ 1.49% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

*

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
3 Month Certificate
$500
3.50% ▲ 1.44% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

*

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 of Deposit
$0
3.50% ▲ 1.44% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details

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% ▲ 1.34% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details

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

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2929 20th St S, Moorhead, MN 56560
3 Month Relationship CD
$0
3.40% ▲ 1.34% above national avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
3 Months Certificate
$0
3.29% ▲ 1.23% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.23% above avg
Details

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

Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
106 6th St S, Walker, MN 56484
3 Month Certificate
$500
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.19% above avg
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
745 Market St, Mendota Heights, MN 55118
3 Month Certificate of Deposit (CD)
$0
3.15% ▲ 1.09% above national avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 3 Month
$0
3.05% ▲ 0.99% above national avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

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% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
3 Month Certificate of Deposit
$500
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2929 20th St S, Moorhead, MN 56560
3 Month Certificate of Deposit
$0
2.90% ▲ 0.84% above national avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.84% above avg
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 Month Tiered Term Share Certificates & IRA Certificates
$0
2.90% ▲ 0.84% above national avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.84% above avg
Details

Ameriprise Financial
Institution Rating:
B+3.8 ★Texas Ratio: 0.33%
901 3rd Avenue South, Minneapolis, MN 55402
3 Months - Relationship
$0
2.75% ▲ 0.69% above national avg
Rate2.71%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 3 Month
$0
2.75% ▲ 0.69% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details

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% ▲ 0.61% above national avg
Rate2.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.61% above avg
Details

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% ▲ 0.47% above national avg
Rate2.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.47% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Certificate
$0
2.50% ▲ 0.44% above national avg
Rate2.48%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month IRA Certificate
$0
2.50% ▲ 0.44% above national avg
Rate2.48%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
3 Month Traditional & Roth IRA Certificate
$2,500
2.50% ▲ 0.44% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details

Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
77 Broadway St Ne, Minneapolis, MN 55413
3 Month Certificate of Deposit
$10,000
2.22% ▲ 0.16% above national avg
Rate2.20%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.16% above avg
Details

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

Northeast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
77 Broadway St Ne, Minneapolis, MN 55413
3 Month Certificate of Deposit
$1,000
2.12% ▲ 0.06% above national avg
Rate2.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.06% above avg
Details

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

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$0
2.05% ▼ 0.01% below national avg
Rate2.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.01% below avg
Details

Balance: $150,000+

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% ▼ 0.04% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details

Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
195 N Broadway, Alden, MN 56009
3 Month Certificates of Deposit
$0
2.02% ▼ 0.04% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details

Balance: $25,000 and over

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% ▼ 0.05% below national avg
Rate2.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.05% below avg
Details

Early Withdrawal Penalty: 1 month

First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
161 Marie Ave E, West St Paul, MN 55118 4004
3 Month Youth Certificate of Deposit
$25
2.01% ▼ 0.05% below national avg
Rate2.00%
Min Deposit$25
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.05% below avg
Details

$5000 maximum

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
3 Month Share Certificate
$0
2.00% ▼ 0.06% below national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.06% below avg
Details

Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
195 N Broadway, Alden, MN 56009
3 Month Certificates of Deposit
$0
1.96% ▼ 0.10% below national avg
Rate1.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.10% below avg
Details

Balance: $10,000 - $24,999.99

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$0
1.95% ▼ 0.11% below national avg
Rate1.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.11% below avg
Details

Balance: $100,000-$149,999

Security Bank Minnesota
Institution Rating:
B+4.8 ★Texas Ratio: 16.94%
195 N Broadway, Alden, MN 56009
3 Month Certificates of Deposit
$0
1.91% ▼ 0.15% below national avg
Rate1.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.15% below avg
Details

Balance: $1,000 - $9,999.99

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$0
1.90% ▼ 0.16% below national avg
Rate1.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.16% below avg
Details

Balance: $50,000-$99,999

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$0
1.85% ▼ 0.21% below national avg
Rate1.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.21% below avg
Details

Balance: $25,000-$49,999

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
3 Month Certificate
$0
1.80% ▼ 0.26% below national avg
Rate1.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.26% below avg
Details

Balance: $500-$24,999

Minnesota 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week

The national average 6-month CD rate is 2.77% APY as of September 22, 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% ▲ 5.23% above national avg
Rate8.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 5.23% above avg
Details

Limit of one CD per member

Northridge Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.95%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
6 Month CD Special Promotion
$0
4.31% ▲ 1.54% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.54% above avg
Details

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% ▲ 1.48% above national avg
Rate4.19%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details

Balance: $500 - $9,999.99

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% ▲ 1.39% above national avg
Rate4.10%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.39% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
6-month share certificate
$0
4.16% ▲ 1.39% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.39% above avg
Details

Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN 55124
6 Month FlexRate
$0
4.06% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.29% above avg
Details

PROMO

Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN 55124
6-Month Certificate
$500
4.06% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.29% above avg
Details

Promotional; Minimum opening deposit of $500 required. Offer valid on new money only. N ew money is any deposit into a primary savings or checking account in the past 30 days from another institution or employer. Dividends compound quarterly. Certificate will automatically renew into a 12-month certificate at the then-current 12-month certificate rate upon maturity unless otherwise directed. Offer available for a limited time and may be discontinued without notice.

Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN 55124
Promotional 6-Month Certificate
$500
4.06% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.29% above avg
Details

Offer valid on new money only. N ew money is any deposit into a primary savings or checking account in the past 30 days from another institution or employer. Dividends compound quarterly. Certificate will automatically renew into a 12-month certificate at the then-current 12-month certificate rate upon maturity unless otherwise directed. Offer available for a limited time and may be discontinued without notice.

Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
17330 State Highway 371, Brainerd, MN 56401
6-Month CD
$0
4.05% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details

60 day early withdrawal penalty

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% ▲ 1.23% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Falcon National Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
22 Central Ave S, Richmond, MN 56368
6-Month CD
$500
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details

Rates effective as of 08/17/2026. Expires on or before 10/18/2026.

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% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
6 Month Certificate
$0
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
6 Month Certificate of Deposit
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1001 Highway 7, Hopkins, MN 55305
6 month Certificate Special
$0
3.90% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
6 Months Certificate
$0
3.89% ▲ 1.12% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.12% above avg
Details

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

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
6 month Jumbo Certificate
$25,000
3.85% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details

Term: 6 month Jumbo Certificate

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
6 Month Certificate of Deposit
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
6 Months Certificate
$0
3.84% ▲ 1.07% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.07% above avg
Details

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

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 6 months
$1,000
3.80% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $100,000+

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
6 Month Term Share Certificates
$0
3.80% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Reliance Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2300 30th St Nw, Faribault, MN 55021
180 Day Certificates of Deposit and IRA's
$0
3.79% ▲ 1.02% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details

First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
190 S 3rd Ave, Lismore, MN 56155
6 Month CD
$0
3.78% ▲ 1.01% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.01% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.78% ▲ 1.01% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.01% above avg
Details

Balance: $100,000+*

Community Bank Owatonna
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
640 W Bridge St, Owatonna, MN 55060
6 Month CD
$5,000
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 6 months
$1,000
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $25,000.00 - $49,999.99

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Certificate (new deposits)
$0
3.75% ▲ 0.98% above national avg
Rate3.71%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month IRA Certificate (new deposits)
$0
3.75% ▲ 0.98% above national avg
Rate3.71%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Traditional & Roth IRA Certificate
$2,500
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Term: 6 Months (new deposits)

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
6 MONTH CERTIFICATE
$500
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

One time NO PENALTY withdrawal.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 6 months
$1,000
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $10,000.00 - $24,999.99

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
6 Month Certificate of Deposit
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Certificate (current deposits)
$0
3.70% ▲ 0.93% above national avg
Rate3.67%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month IRA Certificate (current deposits)
$0
3.70% ▲ 0.93% above national avg
Rate3.67%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
6 Month Traditional & Roth IRA Certificate
$2,500
3.70% ▲ 0.93% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

Term: 6 Months (current deposits)

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
6 Month Business Share Certificate
$0
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $1,000 - $9,999

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
6 Month Share Certificate
$0
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $1,000 - $9,999

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.68% ▲ 0.91% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.91% above avg
Details

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

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
3.68% ▲ 0.91% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.91% above avg
Details

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 6 month
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 6 months
$1,000
3.65% ▲ 0.88% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000.00 - $9,999.99

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
6 Month Certificate
$0
3.60% ▲ 0.83% above national avg
Rate3.57%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

*

Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1535 Beam Ave, Maplewood, MN 55109
6 Month Certificate
$0
3.60% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details

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

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
Business 6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details

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

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
6 Month CD Special
$0
3.58% ▲ 0.81% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.81% above avg
Details

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

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 of Deposit
$0
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details

Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
6 Month Fixed Rate Certificates of Deposit
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details

Harvest Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
222 Atlantic Ave, Atwater, MN 56209
Fixed Rate Certificates of Deposit Minimum) - 6 Months
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details

$100,000

FSB of Red Wing
Institution Rating:
F1.6 ★Texas Ratio: 11.96%
3209 S Service Dr, Red Wing, MN 55066
Certificates of Deposit - 6 Months
$0
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details

Minnesota 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week

The national average 12-month CD rate is 2.95% APY as of September 22, 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 of Deposit
$0
4.63% ▲ 1.68% above national avg
Rate4.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.68% above avg
Details

Balance: $35,000+

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
12-month IRA share certificate
$0
4.11% ▲ 1.16% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.16% above avg
Details

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
12-month share certificate
$0
4.11% ▲ 1.16% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.16% above avg
Details

Northridge Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.95%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
12 Month IRA Certificate of Deposit
$0
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$0
4.06% ▲ 1.11% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.11% above avg
Details

Balance: $100,000 and over

Northridge Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.95%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
12 Month CD Special Promotion
$0
4.06% ▲ 1.11% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
12 Month Term Share Certificates
$0
4.06% ▲ 1.11% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$0
4.05% ▲ 1.10% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details

Balance: $100,000-$149,999

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$0
4.01% ▲ 1.06% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details

Balance: $40,000 - $99,999.99

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% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
1 Year Certificates of Deposit
$500
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
12 Months Certificate
$0
4.00% ▲ 1.05% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

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

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
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

12 Month ($25,000 or more) CD; Minimum Balance to Obtain APY: $25,000**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
12 Month Certificate
$25,000
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

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

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
12 Month Limited Time CD Offer!
$25,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
Limited Time CD Offer! 12 Month
$25,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Limited Time CD Offer!

Sentry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
400 4th Ave Ne, Saint Joseph, MN 56374
12 Month Certificate
$10,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

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

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% ▲ 1.05% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
12 Month Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

*

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 of Deposit
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details

Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
12 Month Special Certificate of Deposit
$5,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details

Renewal Rate Term: 12 Months

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% ▲ 1.05% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
12 Month Term Share Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 1 Year
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year Youth Flex Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Term: 1 Year Youth Flex Certificate; 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.

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $50,000-$99,999

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
12 Month (Moneywise Available) Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Term: 12 Month (Moneywise Available)

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $1,000+

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
12 Month IRA Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $1,000+

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$0
3.96% ▲ 1.01% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.01% above avg
Details

Balance: $10,000 - $39,999.99

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% ▲ 1.01% above national avg
Rate3.90%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.01% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
12 month Jumbo Certificate
$25,000
3.95% ▲ 1.00% above national avg
Rate3.90%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Term: 12 month Jumbo Certificate

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
12 Month Certificate of Deposit
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
12 Month Certificate of Deposit
$0
3.91% ▲ 0.96% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.96% above avg
Details

Balance: $500

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 1 year
$1,000
3.91% ▲ 0.96% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details

Balance: $100,000+

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
12 Months Certificate
$0
3.90% ▲ 0.95% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details

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

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
12 Month Certificate
$0
3.90% ▲ 0.95% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details

Balance: $500-$24,999

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
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
12 Month Certificate
$500
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
12 Month Certificate
$0
3.85% ▲ 0.90% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
IRA Certificate - 12 Months
$0
3.85% ▲ 0.90% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 1 year
$1,000
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details

Balance: $25,000.00 - $49,999.99

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
12 Month Certificate of Deposit
$0
3.85% ▲ 0.90% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
1 Year Jumbo and Jumbo IRA Certificates
$0
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

$100,000 and Above

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month Certificate (new deposits)
$0
3.85% ▲ 0.90% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month IRA Certificate (new deposits)
$0
3.85% ▲ 0.90% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
12 Month Traditional & Roth IRA Certificate
$2,500
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Term: 12 Months (new deposits)

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 12 Month
$0
3.80% ▲ 0.85% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details

Sunrise Banks National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
2300 Como Ave, Saint Paul, MN 55108
12 Month CD Term
$500
3.80% ▲ 0.85% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details

Bonanza Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
147 Central Ave S, Brooten, MN 56316
12 Month Certificate
$0
3.80% ▲ 0.85% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details

Minnesota 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week

The national average 18-month CD rate is 2.82% APY as of September 22, 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: 2.74%
360 Sherman St, Saint Paul, MN 55102
18 Month CD Special
$0
4.40% ▲ 1.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.58% above avg
Details

Special

FSB of Rosemount
Institution Rating:
F1.0 ★Texas Ratio: 43.05%
3025 145th St W, Rosemount, MN 55068
IRA/Roth IRA 18 Month+
$250
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$250
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details

Method of Compounding: Daily

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
18 Month Certificate of Deposit
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
18-month share certificate
$0
4.11% ▲ 1.29% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.29% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 18 Month
$0
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details

Falcon National Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
22 Central Ave S, Richmond, MN 56368
18-Month CD
$500
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.28% above avg
Details

Rates effective as of 08/17/2026. Expires on or before 10/18/2026.

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
18 Month Certificate of Deposit
$0
4.05% ▲ 1.23% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.23% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month Jumbo and Jumbo IRA Certificates
$0
4.01% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.19% above avg
Details

$100,000 and Above

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
18 Month Certificates of Deposit
$500
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
18 Months Certificate
$0
4.00% ▲ 1.18% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details

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

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 of Deposit
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 18 month
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month IRA Certificates
$0
3.96% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.14% above avg
Details

Penalty for early withdrawal.

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
18 Month Term Certificates
$0
3.96% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.14% above avg
Details

Penalty for early withdrawal.

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate (new deposits)
$0
3.95% ▲ 1.13% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month IRA Certificate (new deposits)
$0
3.95% ▲ 1.13% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Traditional & Roth IRA Certificate
$2,500
3.95% ▲ 1.13% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details

Term: 18 Months (new deposits)

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
18 Months Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.08% above avg
Details

Balance: $50,000.00-$99,999.99; Compounding: Annually

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
18 Month Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details

*

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
18 Month Certificate of Deposit
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Certificate (current deposits)
$0
3.90% ▲ 1.08% above national avg
Rate3.86%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month IRA Certificate (current deposits)
$0
3.90% ▲ 1.08% above national avg
Rate3.86%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
18 Month Traditional & Roth IRA Certificate
$2,500
3.90% ▲ 1.08% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details

Term: 18 Months (current deposits)

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% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest

United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
430 Bridge Ave, Albert Lea, MN 56007
18 month IRA Share Certificate (CDs)
$1,000
3.85% ▲ 1.03% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 18 Month
$0
3.80% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details

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% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details

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% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$0
3.80% ▲ 0.98% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $100,000-$149,999

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
18 Month Jumbo Share Certificates
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details

See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details

Balance: $50,000-$99,999

United Prairie Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
110 W Rose St, Owatonna, MN 55060
6 - 18 Month Choose your term certificate of deposit
$15,000
3.71% ▲ 0.89% above national avg
Rate
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.89% above avg
Details

Rate is variable and can change at any time. Minimum deposit is $15,000. Early withdrawal penalties apply if closed before maturity.

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 4th Ave SE, Melrose, MN 56352
18 Month Certificate
$0
3.70% ▲ 0.88% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details

Balance: $500-$24,999

Minnesota First
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1932 Viking Dr Nw, Rochester, MN 55901
18 Month Certificate of Deposit
$500
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN 55311 1565
18-month term
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN 55311 1565
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
18 Month Certificate
$0
3.61% ▲ 0.79% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.79% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
IRA Certificate - 18 Months
$0
3.61% ▲ 0.79% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.79% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
18 Month Certificate
$500
3.60% ▲ 0.78% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details

*

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
18 Month CD
$0
3.58% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details

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

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
Business 18 Month CD
$0
3.58% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details

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

First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
18 Month Certificate
$25,000
3.56% ▲ 0.74% above national avg
Rate3.51%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.74% above avg
Details

Balance: $25,000 and over

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
18 Months Certificate
$0
3.55% ▲ 0.73% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.73% above avg
Details

Balance: $50,000.00-$99,999.99; Compounding: Annually

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN 55075 2421
18 Month CD Specials
$0
3.55% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
18 Month CD
$0
3.53% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details

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

Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1018 Hobart St, Hawley, MN 56549
Business 18 Month CD
$0
3.53% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details

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

Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
18 Month Certificates of Deposit
$2,000
3.51% ▲ 0.69% above national avg
Rate3.50%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.69% above avg
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4450 W 76th St, Edina, MN 55435
18 Month Business Certificate
$0
3.51% ▲ 0.69% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.69% above avg
Details

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
13283 Isle Dr, Baxter, MN 56425 8554
18 Month Certificate
$0
3.50% ▲ 0.68% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
13283 Isle Dr, Baxter, MN 56425 8554
18 Months Term Share Certificate
$0
3.50% ▲ 0.68% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details

Minnesota 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week

The national average 24-month CD rate is 2.84% APY as of September 22, 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
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
300 Front St, Russell, MN 56169
24-Month CD
$5,000
4.32% ▲ 1.48% above national avg
Rate4.25%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.48% above avg
Details

Fixed

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month IRA share certificate
$0
4.27% ▲ 1.43% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.43% above avg
Details

Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month share certificate
$0
4.27% ▲ 1.43% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.43% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 24 Month
$0
4.15% ▲ 1.31% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
2 Year Certificates of Deposit
$500
4.15% ▲ 1.31% above national avg
Rate4.09%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
24 Month Term Share Certificates
$0
4.11% ▲ 1.27% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.27% above avg
Details

MidCountry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
100 S Main St, Sanborn, MN 56083
Variable Rate Certificate of Deposit 24 Month Term
$25,000
4.06% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details

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

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
24 Month Certificate of Deposit
$0
4.06% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details

Balance: $35,000+

First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
190 S 3rd Ave, Lismore, MN 56155
24 Month CD
$0
4.00% ▲ 1.16% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

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
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

24 Month ($25,000 or more) CD; Minimum Balance to Obtain APY: $25,000**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
24 Month Certificate
$25,000
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

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

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
24 Month Limited Time CD Offer!
$25,000
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
Limited Time CD Offer! 24 Month
$25,000
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Limited Time CD Offer!

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 of Deposit
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Pioneer Bank Mapleton, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
301 Main St E, Mapleton, MN 56065
24 Month Certificate of Deposit
$500
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Jumbo Certificate
$25,000
4.00% ▲ 1.16% above national avg
Rate3.95%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Term: 24 month Jumbo Certificate

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 24 month
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
24 Month Term Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 2 Year
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
4477 Lavaque Rd, Hermantown, MN 55811
24 Month Share Certificate Special
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000+

TopLine Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month IRA Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000+

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$0
3.96% ▲ 1.12% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: $100,000 and over

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
24 Month Certificate of Deposit
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$0
3.91% ▲ 1.07% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.07% above avg
Details

Balance: $40,000 - $99,999.99

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 24 Month
$0
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
24 Months Certificate
$0
3.85% ▲ 1.01% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details

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

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details

Balance: $10,000 - $39,999.99

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
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
24 Month Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

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% ▲ 1.01% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details

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

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month IRA Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Term: 24 month IRA Certificate

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
24 month Step-Up CD
$1,000
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
24 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year Jumbo and Jumbo IRA Certificates
$0
3.84% ▲ 1.00% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.00% above avg
Details

$100,000 and Above

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
24 Months Certificate
$0
3.80% ▲ 0.96% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details

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

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
24 Month Certificate of Deposit
$0
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $500

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
24 Month Certificate
$0
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details

*

Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
24 Month Fixed CD
$250
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 2 years
$1,000
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $100,000+

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year IRA Certificates
$0
3.79% ▲ 0.95% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.95% above avg
Details

Penalty for early withdrawal.

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
2 Year Term Certificates
$0
3.79% ▲ 0.95% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.95% above avg
Details

Penalty for early withdrawal.

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
3.75% ▲ 0.91% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 2 years
$1,000
3.75% ▲ 0.91% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $25,000.00 - $49,999.99

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
24 Month Certificate of Deposit
$0
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
24 Month Certificate
$0
3.75% ▲ 0.91% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
24 Month Certificate of Deposit
$0
3.70% ▲ 0.86% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $10,000 - $34,999.99

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
24 Months Certificate
$0
3.70% ▲ 0.86% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $10,000 - $34,999.99

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 2 years
$1,000
3.70% ▲ 0.86% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $10,000.00 - $24,999.99

Minnesota 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week

The national average 36-month CD rate is 2.76% APY as of September 22, 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
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
13283 Isle Dr, Baxter, MN 56425 8554
36 Month Fast Forward Term Share Certificate
$10
4.49% ▲ 1.73% above national avg
Rate
Min Deposit$10
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.73% above avg
Details

$10 minimum at 36 months and requires a monthly deposit between $10 & $500

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
3 Year Certificates of Deposit
$500
4.25% ▲ 1.49% above national avg
Rate4.18%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$0
4.22% ▲ 1.46% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.46% above avg
Details

Balance: $100,000 and over

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 36 Month
$0
4.20% ▲ 1.44% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$0
4.16% ▲ 1.40% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.40% above avg
Details

Balance: $40,000 - $99,999.99

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
36 Month Term Share Certificates
$0
4.16% ▲ 1.40% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.40% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$0
4.11% ▲ 1.35% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.35% above avg
Details

Balance: $10,000 - $39,999.99

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Jumbo Certificate
$25,000
4.10% ▲ 1.34% above national avg
Rate4.04%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details

Term: 36 month Jumbo Certificate

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$0
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.30% above avg
Details

Balance: $500

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year Jumbo and Jumbo IRA Certificates
$0
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.30% above avg
Details

$100,000 and Above

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year IRA Certificates
$0
4.01% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.25% above avg
Details

Penalty for early withdrawal.

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
3 Year Term Certificates
$0
4.01% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.25% above avg
Details

Penalty for early withdrawal.

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
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

36 Month ($25,000 or more) CD; Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month Certificate
$25,000
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

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

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month Limited Time CD Offer!
$25,000
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
Limited Time CD Offer! 36 Month
$25,000
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Limited Time CD Offer!

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 of Deposit
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 36 month
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Available as an IRA

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Certificate
$500
3.95% ▲ 1.19% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month IRA Certificate
$500
3.95% ▲ 1.19% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Term: 36 month IRA Certificate

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN 55420
36 month Step-Up CD
$1,000
3.95% ▲ 1.19% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
36 Months Certificate
$0
3.85% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details

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

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
3.85% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month Certificate
$500
3.85% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
36 Months Certificate
$0
3.80% ▲ 1.04% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details

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

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate of Deposit
$0
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details

Balance: $35,000+

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
36 Month Certificate
$0
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details

*

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 3 years
$1,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details

Balance: $100,000+

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% ▲ 0.99% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details

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

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 3 years
$1,000
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $25,000.00 - $49,999.99

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
36 Month Term Share Certificates
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 3 Year
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Jumbo Share Certificates
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
36 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 36 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75%

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
36 Month Certificate of Deposit
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Share Certificate
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Certificate Special will renew as 12-month certificate at maturity. See Rate Schedule for further details.

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Youth Share Certificate
$250
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Certificate Special will renew as 12-month certificate at maturity. See Rate Schedule for further details.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
36 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 36 Month
$0
3.70% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate of Deposit
$0
3.70% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $10,000 - $34,999.99

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Months Certificate
$0
3.70% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $10,000 - $34,999.99

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
36 Month Certificate
$0
3.70% ▲ 0.94% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
IRA Certificate - 36 Months
$0
3.70% ▲ 0.94% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 3 years
$1,000
3.70% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $10,000.00 - $24,999.99

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
36 Month Share & IRA Certificates
$25,000
3.67% ▲ 0.91% above national avg
Rate3.60%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.91% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
36 Month Certificate
$500
3.65% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details

*

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 3 years
$1,000
3.65% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $1,000.00 - $9,999.99

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
36 Month Certificate of Deposit
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details

PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
36 Month Certificate of Deposit
$0
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.84% above avg
Details

Balance: $250 - $9,999.99

Minnesota 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week

The national average 48-month CD rate is 2.77% APY as of September 22, 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
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% ▲ 1.78% above national avg
Rate4.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.78% above avg
Details

Balance: $75,000 to $199,999.99

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 48 Month
$0
4.25% ▲ 1.48% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
4 Year Certificates of Deposit
$500
4.25% ▲ 1.48% above national avg
Rate4.18%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
48 Month Term Share Certificates
$0
4.21% ▲ 1.44% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.44% above avg
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year Jumbo and Jumbo IRA Certificates
$0
4.09% ▲ 1.32% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.32% above avg
Details

$100,000 and Above

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$0
4.06% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details

Balance: $100,000 and over

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% ▲ 1.27% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details

Balance: $25,000 to $74,999.99

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year IRA Certificates
$0
4.04% ▲ 1.27% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.27% above avg
Details

Penalty for early withdrawal.

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
4 Year Term Certificates
$0
4.04% ▲ 1.27% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.27% above avg
Details

Penalty for early withdrawal.

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$0
4.01% ▲ 1.24% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.24% above avg
Details

Balance: $40,000 - $99,999.99

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
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

48 Month ($25,000 or more) CD; Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month Certificate
$25,000
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

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

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month Limited Time CD Offer!
$25,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
Limited Time CD Offer! 48 Month
$25,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Limited Time CD Offer!

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 of Deposit
$0
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 48 month
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$0
3.96% ▲ 1.19% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.19% above avg
Details

Balance: $10,000 - $39,999.99

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
48 Month Certificate of Deposit
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.14% above avg
Details

Balance: $500

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
3.85% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month Certificate
$500
3.85% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
48 Month Certificate
$0
3.85% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details

*

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
48-month Share Certificate
$1,000
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details

Certificate Special will renew as 12-month certificate at maturity. See Rate Schedule for further details.

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
48 Month Share & IRA Certificates
$25,000
3.77% ▲ 1.00% above national avg
Rate3.70%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.00% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 48 Month
$0
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
48 Month Certificate
$0
3.75% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
IRA Certificate - 48 Months
$0
3.75% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 4 years
$1,000
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $1,000.00+

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
48 Month Term Share Certificates
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 4 Year
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
48 Month Certificate of Deposit
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
48 Month Certificate
$0
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
48 Month Certificate
$500
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

*

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
48 Month Share & IRA Certificates
$10,000
3.67% ▲ 0.90% above national avg
Rate3.60%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.90% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2929 20th St S, Moorhead, MN 56560
4 Year Relationship CD
$0
3.65% ▲ 0.88% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
48 Month Certificate of Deposit
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details

First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year Certificate
$25,000
3.64% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.87% above avg
Details

Balance: $25,000 and over

Currie State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
117 S Minnesota Ave, Okabena, MN 56161
48-Month CD
$500
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details

First State Bank of Bigfork
Institution Rating:
F2.9 ★Texas Ratio: 40.48%
400 Main Avenue, Bigfork, MN 56628
48 Month Certificates of Deposit (CDs)
$0
3.60% ▲ 0.83% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Business Share Certificate
$35,000
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$35,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Jumbo CD

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
48 Month Jumbo Share Certificates
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 48 Month
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details

Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60%

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
48 Month Share Certificate
$1,000
3.56% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
48 Month Share & IRA Certificates
$500
3.56% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details

First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
730 Forest Ave E, Mora, MN 55051
48-Month Term
$0
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details

Balance: $50,000.00 and above

Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
Certificate of Deposit - 4 Year
$0
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details

Early Withdrawal Penalty: 5 Month's Interest

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
3.53% ▲ 0.76% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details

Balance: $0.01 to $24,999.99

BankVista
Institution Rating:
B4.5 ★Texas Ratio: 20.46%
1501 Adams St, Mankato, MN 56001
48 Months Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details

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

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
48 Month CD Special
$0
3.50% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details

Balance: $100,000+*

Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
13283 Isle Dr, Baxter, MN 56425 8554
48 Months Term Share Certificate
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN 55102
48 Month Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

Minnesota 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week

The national average 60-month CD rate is 2.84% APY as of September 22, 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: 3.26%
706 N Walnut St, Chaska, MN 55318
Relationship CD - 60 Month
$0
4.35% ▲ 1.51% above national avg
Rate4.28%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details

Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
60 Month Term Share Certificates
$0
4.31% ▲ 1.47% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.47% above avg
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4625 County Highway 101, Minnetonka, MN 55345
5 Year Certificates of Deposit
$500
4.30% ▲ 1.46% above national avg
Rate4.23%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 60 month
$0
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details

Available as an IRA

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year Jumbo and Jumbo IRA Certificates
$0
4.08% ▲ 1.24% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.24% above avg
Details

$100,000 and Above

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 Month Share Certificate
$1,000
4.07% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$0
4.06% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details

Balance: $100,000 and over

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year IRA Certificates
$0
4.03% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details

Penalty for early withdrawal.

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3300 Central Park Village Dr, Eagan, MN 55121 7707
5 Year Term Certificates
$0
4.03% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details

Penalty for early withdrawal.

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$0
4.01% ▲ 1.17% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.17% above avg
Details

Balance: $40,000 - $99,999.99

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
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

60 Month ($25,000 or more) CD; Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
60 Month Certificate
$25,000
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

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

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
60 Month Limited Time CD Offer!
$25,000
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
Limited Time CD Offer! 60 Month
$25,000
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Limited Time CD Offer!

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 of Deposit
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN 55102
60 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
4477 Lavaque Rd, Hermantown, MN 55811
60 Month IRA Share Certificate
$500
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
4477 Lavaque Rd, Hermantown, MN 55811
60 Month Share Certificates
$500
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$0
3.96% ▲ 1.12% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: $10,000 - $39,999.99

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
60 Month Certificate of Deposit
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details

Foresight Bank
Institution Rating:
D3.6 ★Texas Ratio: 32.34%
138 W Broadway, Plainview, MN 55964
60 Month Certificate of Deposit
$0
3.91% ▲ 1.07% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.07% above avg
Details

Balance: $500

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
60 Month Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

*

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
60-month Share Certificate
$1,000
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

Certificate Special will renew as 12-month certificate at maturity. See Rate Schedule for further details.

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
60 Month Share & IRA Certificates
$25,000
3.87% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
706 N Walnut St, Chaska, MN 55318
CD - 60 Month
$0
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

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
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
60 Month Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
60 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
60 Month Share & IRA Certificates
$10,000
3.77% ▲ 0.93% above national avg
Rate3.70%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.93% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2929 20th St S, Moorhead, MN 56560
5 Year Relationship CD
$0
3.75% ▲ 0.91% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details

Luminate Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.75%
2523 South Wayzata Boulevard, Minneapolis, MN 55405
60 Month Certificate
$500
3.75% ▲ 0.91% above national avg
Rate3.70%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

*

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details

Drake Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.33%
60 Plato Blvd E, Saint Paul, MN 55107
IRA Certificate - 60 Months
$0
3.75% ▲ 0.91% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
60 Month Term Share Certificates
$0
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
380 Stockholm, Boyd, MN 56218
IRA Term Share Certificates-Traditional & Roth - 5 Year
$0
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN 55447
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
130 23rd Ave SW, Rochester, MN 55902
Certificates 5 years
$1,000
3.70% ▲ 0.86% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $1,000.00+

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Business Share Certificate
$35,000
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$35,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Jumbo CD

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
60 Month Jumbo Share Certificates
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN 55016 5031
Traditional/Roth IRA Share Certificates 60 Month
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

Jumbo Dividend Rate: 3.640%; Jumbo APY: 3.70%

First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
501 16th St SE, Rochester, MN 55904
60 Month Certificate of Deposit
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details

My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
4025 W Old Shakopee Rd, Bloomington, MN 55437
60 Month Share & IRA Certificates
$500
3.67% ▲ 0.83% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.83% above avg
Details

First National Bank of Bemidji
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
5 Year Certificate
$25,000
3.65% ▲ 0.81% above national avg
Rate3.60%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $25,000 and over

Currie State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
117 S Minnesota Ave, Okabena, MN 56161
60-Month CD
$500
3.65% ▲ 0.81% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month Certificate
$0
3.65% ▲ 0.81% above national avg
Rate3.62%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month IRA Certificate
$0
3.65% ▲ 0.81% above national avg
Rate3.62%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details

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

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
920 Main St E, Sleepy Eye, MN 56085 4380
60 Month Traditional & Roth IRA Certificate
$2,500
3.65% ▲ 0.81% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details

Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2010 Minnesota Ave, Benson, MN 56215
Certificate of Deposit - 5 Year
$0
3.60% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details

Early Withdrawal Penalty: 6 Month's Interest

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
398 Pacific Ave, Stephen, MN 56757
60 Month CD Special
$0
3.60% ▲ 0.76% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details

Balance: $100,000+*

First State Bank of Bigfork
Institution Rating:
F2.9 ★Texas Ratio: 40.48%
400 Main Avenue, Bigfork, MN 56628
60 Month Certificates of Deposit (CDs)
$0
3.60% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details

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 September 21, 2026

B Top 5 Bank Rates
PSB of Plainview
12 Month Certificate of Deposit
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%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 3.26%
Min: $0
4.35%
First Independent Bank Russell, MN
24-Month CD
A+ 5.0 ★ TX: 1.00%
Min: $5,000
4.32%
CorTrust Bank
5 Year Certificates of Deposit
A+ 5.0 ★ TX: 5.11%
Min: $500
4.30%
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%
Mid Minnesota Federal Credit Union
36 Month Fast Forward Term Share Certificate
A+ 5.0 ★ TX: 3.31%
Min: $10
4.49%
Associated Healthcare Credit Union
18 Month CD Special
A+ 5.0 ★ TX: 2.74%
Min: $0
4.40%
Northridge Community Credit Union
6 Month CD Special Promotion
A- 5.0 ★ TX: 14.95%
Min: $0
4.31%
Federated Employees Credit Union
60 Month Term Share Certificates
A+ 5.0 ★ TX: 0.50%
Min: $0
4.31%
Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

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
2.952%
▲ 0.030 vs 7 days ago

Minnesota 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD MN Avg
2.767%
▲ 0.021 vs 7 days ago

Minnesota 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through September 2027?

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

MN 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%

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 1.42% 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 2.065% $103.23 $206.46 $516.15 $1,032.30
6-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
12-Month CD 2.952% $147.58 $295.15 $737.88 $1,475.75
18-Month CD 2.818% $140.91 $281.82 $704.55 $1,409.10
24-Month CD 2.841% $142.07 $284.14 $710.35 $1,420.70
36-Month CD 2.765% $138.25 $276.49 $691.23 $1,382.45
48-Month CD 2.770% $138.48 $276.97 $692.43 $1,384.85
60-Month CD 2.844% $142.22 $284.44 $711.10 $1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026.

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 2.065% $103.23
2 6-Month CD $5,000 2.767% $138.33
3 12-Month CD $5,000 2.952% $147.58
4 24-Month CD $5,000 2.841% $142.07
5 36-Month CD $5,000 2.765% $138.25
Total ($25,000 invested) $25,000 2.678% blended $669.46/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.

1,365
CD Rates
Tracked in Minnesota
71 Banks 40 Credit Unions

About Our Minnesota CD Rate Database

MonitorBankRates tracks 1,365 CD rates from 71 banks and 40 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 (1–5), 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 40 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: 111 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
$150/yr
At MN 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($5,083/year) and putting it in a CD would earn an additional $150 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 (90–180 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 4.35% 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)
  • PSB of Plainview: 4.63% APY (12 Month Certificate of Deposit)
  • Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
  • Mid Minnesota Federal Credit Union: 4.49% APY (36 Month Fast Forward Term Share Certificate)
  • Associated Healthcare Credit Union: 4.40% APY (18 Month CD Special)
  • Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
  • First Independent Bank Russell, MN: 4.32% APY (24-Month CD)
  • Northridge Community Credit Union: 4.31% APY (6 Month CD Special Promotion)
  • Federated Employees Credit Union: 4.31% APY (60 Month Term Share Certificates)
  • CorTrust Bank: 4.30% APY (5 Year Certificates of Deposit)
Rates reflect recent verified offers available in Minnesota. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Minnesota CD Rates by Term

Verified September 21, 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.

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: September 21, 2026

Minnesota Rates & Resources

Cities in Minnesota

  • Acton
  • Ada
  • Adams
  • Adolph
  • Adrian
  • Afton
  • Ah Gwah Ching
  • Aitkin
  • Akeley
  • Albany
  • Albert Lea
  • Alberta
  • Albertville
  • Alborn
  • Alden
  • Aldrich
  • Alexandria
  • Almelund
  • Alpha
  • Altura
  • Alvarado
  • Amboy
  • Andover
  • Angle Inlet
  • Angora
  • Angus
  • Annandale
  • Anoka
  • Appleton
  • Arco
  • Argyle
  • Arlington
  • Ashby
  • Askov
  • Atwater
  • Audubon
  • Aurora
  • Austin
  • Avoca
  • Avon
  • Babbitt
  • Backus
  • Badger
  • Bagley
  • Baker
  • Balaton
  • Barnesville
  • Barnum
  • Barrett
  • Barry
  • Battle Lake
  • Baudette
  • Baxter
  • Bayport
  • Beardsley
  • Beaver Bay
  • Beaver Creek
  • Becker
  • Bejou
  • Belgrade
  • Belle Plaine
  • Bellingham
  • Beltrami
  • Belview
  • Bemidji
  • Bena
  • Benedict
  • Benson
  • Bertha
  • Bethel
  • Big Falls
  • Big Lake
  • Bigelow
  • Bigfork
  • Bingham Lake
  • Birchdale
  • Bird Island
  • Biwabik
  • Blackduck
  • Blomkest
  • Blooming Prairie
  • Blue Earth
  • Bluffton
  • Bock
  • Borup
  • Bovey
  • Bowlus
  • Bowstring
  • Boyd
  • Braham
  • Brainerd
  • Brandon
  • Breckenridge
  • Brewster
  • Bricelyn
  • Brimson
  • Britt
  • Brook Park
  • Brooks
  • Brookston
  • Brooten
  • Browerville
  • Browns Valley
  • Brownsdale
  • Brownsville
  • Brownton
  • Bruno
  • Buckman
  • Buffalo
  • Buffalo Lake
  • Buhl
  • Burnsville
  • Burtrum
  • Butterfield
  • Byron
  • Caledonia
  • Callaway
  • Calumet
  • Cambridge
  • Campbell
  • Canby
  • Cannon Falls
  • Canton
  • Canyon
  • Carlos
  • Carlton
  • Carver
  • Cass Lake
  • Castle Rock
  • Cedar
  • Center City
  • Ceylon
  • Champlin
  • Chandler
  • Chanhassen
  • Chaska
  • Chatfield
  • Chisago City
  • Chisholm
  • Chokio
  • Circle Pines
  • Clara City
  • Claremont
  • Clarissa
  • Clark
  • Clarkfield
  • Clarks Grove
  • Clear Lake
  • Clearbrook
  • Clearwater
  • Clements
  • Cleveland
  • Climax
  • Clinton
  • Clitherall
  • Clontarf
  • Cloquet
  • Cohasset
  • Cokato
  • Cold Spring
  • Coleraine
  • Collegeville
  • Cologne
  • Comfrey
  • Comstock
  • Conger
  • Cook
  • Correll
  • Cosmos
  • Cottage Grove
  • Cotton
  • Cottonwood
  • Courtland
  • Crane Lake
  • Cromwell
  • Crookston
  • Crosby
  • Crosslake
  • Crystal Bay
  • Currie
  • Cushing
  • Cyrus
  • Dakota
  • Dalbo
  • Dalton
  • Danube
  • Danvers
  • Darfur
  • Darwin
  • Dassel
  • Dawson
  • Dayton
  • Deer Creek
  • Deer River
  • Deerwood
  • Delano
  • Delavan
  • Dennison
  • Dent
  • Detroit Lakes
  • Dexter
  • Dilworth
  • Dodge Center
  • Donaldson
  • Donnelly
  • Dover
  • Dovray
  • Duluth
  • Dumont
  • Dundas
  • Dunnell
  • Eagle Bend
  • Eagle Lake
  • East Grand Forks
  • Easton
  • Echo
  • Eden Prairie
  • Eden Valley
  • Edgerton
  • Effie
  • Eitzen
  • Elbow Lake
  • Elgin
  • Elizabeth
  • Elk River
  • Elko
  • Elkton
  • Ellendale
  • Elrosa
  • Ely
  • Elysian
  • Embarrass
  • Emily
  • Emmons
  • Erhard
  • Erskine
  • Esko
  • Essig
  • Euclid
  • Evansville
  • Eveleth
  • Excelsior
  • Eyota
  • Fairfax
  • Fairmont
  • Faribault
  • Farmington
  • Farwell
  • Federal Dam
  • Felton
  • Fergus Falls
  • Fertile
  • Fifty Lakes
  • Finland
  • Finlayson
  • Fisher
  • Fleming
  • Flensburg
  • Flom
  • Floodwood
  • Florence
  • Foley
  • Forbes
  • Forest Lake
  • Foreston
  • Fort Ripley
  • Fosston
  • Fountain
  • Foxhome
  • Franklin
  • Frazee
  • Freeborn
  • Freeport
  • Frontenac
  • Frost
  • Fulda
  • Garden City
  • Garfield
  • Garrison
  • Garvin
  • Gary
  • Gatzke
  • Gaylord
  • Geneva
  • Georgetown
  • Ghent
  • Gibbon
  • Gilbert
  • Gilman
  • Glencoe
  • Glenville
  • Glenwood
  • Glyndon
  • Gonvick
  • Good Thunder
  • Goodhue
  • Goodland
  • Goodridge
  • Graceville
  • Graham Lakes
  • Granada
  • Grand Marais
  • Grand Meadow
  • Grand Portage
  • Grand Rapids
  • Grandy
  • Granite Falls
  • Grasston
  • Green Isle
  • Greenbush
  • Greenwald
  • Grey Eagle
  • Grove City
  • Grygla
  • Gully
  • Hackensack
  • Hallock
  • Halma
  • Halstad
  • Hamburg
  • Hamel
  • Hampton
  • Hancock
  • Hanley Falls
  • Hanover
  • Hanska
  • Hardwick
  • Harmony
  • Harris
  • Hartland
  • Hastings
  • Hawick
  • Hawley
  • Hayfield
  • Hayward
  • Hector
  • Henderson
  • Hendricks
  • Hendrum
  • Henning
  • Henriette
  • Herman
  • Heron Lake
  • Hewitt
  • Hibbing
  • Hill City
  • Hillman
  • Hills
  • Hinckley
  • Hines
  • Hitterdal
  • Hoffman
  • Hokah
  • Holdingford
  • Holland
  • Hollandale
  • Holloway
  • Holmes City
  • Holyoke
  • Homer
  • Hope
  • Hopkins
  • Houston
  • Hovland
  • Howard Lake
  • Hoyt Lakes
  • Hugo
  • Humboldt
  • Huntley
  • Hutchinson
  • Ihlen
  • International Falls
  • Inver Grove Heights
  • Iona
  • Iron
  • Ironton
  • Isabella
  • Isanti
  • Isle
  • Itasca
  • Ivanhoe
  • Jackson
  • Jacobson
  • Janesville
  • Jasper
  • Jeffers
  • Jenkins
  • Jordan
  • Kanaranzi
  • Kandiyohi
  • Karlstad
  • Kasota
  • Kasson
  • Keewatin
  • Kelliher
  • Kellogg
  • Kennedy
  • Kenneth
  • Kensington
  • Kent
  • Kenyon
  • Kerkhoven
  • Kerrick
  • Kettle River
  • Kiester
  • Kilkenny
  • Kimball
  • Kinney
  • Knife River
  • Kroschel
  • La Crescent
  • La Salle
  • Lafayette
  • Lake Benton
  • Lake Bronson
  • Lake City
  • Lake Crystal
  • Lake Elmo
  • Lake Eunice
  • Lake George
  • Lake Hubert
  • Lake Lillian
  • Lake Park
  • Lake Wilson
  • Lakefield
  • Lakeland
  • Lakeville
  • Lamberton
  • Lancaster
  • Lanesboro
  • Lansing
  • Laporte
  • Lastrup
  • Le Center
  • Le Roy
  • Le Sueur
  • Lengby
  • Leonard
  • Leota
  • Lester Prairie
  • Lewiston
  • Lewisville
  • Lindstrom
  • Lismore
  • Litchfield
  • Little Falls
  • Littlefork
  • Loman
  • Long Lake
  • Long Prairie
  • Longville
  • Lonsdale
  • Loretto
  • Lowry
  • Lucan
  • Lutsen
  • Luverne
  • Lyle
  • Lynd
  • Madelia
  • Madison
  • Madison Lake
  • Magnolia
  • Mahnomen
  • Makinen
  • Manchester
  • Mankato
  • Mantorville
  • Maple Lake
  • Maple Plain
  • Mapleton
  • Marble
  • Marcell
  • Margie
  • Marietta
  • Marine On Saint Croix
  • Marshall
  • Max
  • Mayer
  • Maynard
  • Mazeppa
  • McGrath
  • Mcgregor
  • Mcintosh
  • McKinley
  • Meadowlands
  • Medford
  • Melrose
  • Melrude
  • Menahga
  • Mendota
  • Mentor
  • Merrifield
  • Middle River
  • Milaca
  • Milan
  • Millville
  • Milroy
  • Miltona
  • Minneapolis
  • Minneota
  • Minnesota City
  • Minnesota Lake
  • Minnetonka
  • Minnetonka Beach
  • Mizpah
  • Montevideo
  • Montgomery
  • Monticello
  • Montrose
  • Moorhead
  • Moose Lake
  • Mora
  • Morgan
  • Morris
  • Morristown
  • Morton
  • Motley
  • Mound
  • Mount Morris
  • Mountain Iron
  • Mountain Lake
  • Murdock
  • Nashua
  • Nashwauk
  • Navarre
  • Naytahwaush
  • Nelson
  • Nerstrand
  • Nett Lake
  • Nevis
  • New Auburn
  • New Germany
  • New London
  • New Market
  • New Munich
  • New Prague
  • New Richland
  • New Ulm
  • New York Mills
  • Newfolden
  • Newport
  • Nicollet
  • Nielsville
  • Nimrod
  • Nisswa
  • Norcross
  • North Branch
  • Northfield
  • Northome
  • Northrop
  • Norwood
  • Noyes
  • Oak Island
  • Oak Park
  • Oakland
  • Odessa
  • Odin
  • Ogema
  • Ogilvie
  • Okabena
  • Oklee
  • Olivia
  • Onamia
  • Ormsby
  • Oronoco
  • Orr
  • Ortonville
  • Osage
  • Osakis
  • Oslo
  • Osseo
  • Ostrander
  • Ottertail
  • Outing
  • Owatonna
  • Palisade
  • Park Rapids
  • Parkers Prairie
  • Paynesville
  • Pease
  • Pelican Rapids
  • Pemberton
  • Pengilly
  • Pennington
  • Pennock
  • Pequot Lakes
  • Perham
  • Perley
  • Peterson
  • Pierz
  • Pillager
  • Pine City
  • Pine Island
  • Pine River
  • Pipestone
  • Plainview
  • Plato
  • Plummer
  • Ponemah
  • Ponsford
  • Porter
  • Powers
  • Preston
  • Princeton
  • Prinsburg
  • Prior Lake
  • Puposky
  • Racine
  • Randall
  • Randolph
  • Ranier
  • Ray
  • Raymond
  • Reading
  • Reads Landing
  • Red Lake Falls
  • Red Wing
  • Redby
  • Redlake
  • Redwood Falls
  • Remer
  • Renville
  • Revere
  • Rice
  • Richmond
  • Richville
  • Richwood
  • Rochert
  • Rochester
  • Rock Creek
  • Rockford
  • Rockville
  • Rogers
  • Rollingstone
  • Roosevelt
  • Roscoe
  • Rose Creek
  • Roseau
  • Rosemount
  • Rothsay
  • Round Lake
  • Royalton
  • Rush City
  • Rushford
  • Rushmore
  • Russell
  • Ruthton
  • Sabin
  • Sacred Heart
  • Saginaw
  • Saint Bonifacius
  • Saint Charles
  • Saint Clair
  • Saint Cloud
  • Saint Francis
  • Saint Hilaire
  • Saint James
  • Saint Joseph
  • Saint Martin
  • Saint Michael
  • Saint Paul
  • Saint Paul Park
  • Saint Peter
  • Saint Stephen
  • Saint Vincent
  • Salol
  • Sanborn
  • Sandstone
  • Santiago
  • Sargeant
  • Sartell
  • Sauk Centre
  • Sauk Rapids
  • Savage
  • Sawyer
  • Scandia
  • Schroeder
  • Seaforth
  • Searles
  • Sebeka
  • Shafer
  • Shakopee
  • Shelly
  • Sherburn
  • Shevlin
  • Side Lake
  • Silver Bay
  • Silver Creek
  • Silver Lake
  • Slayton
  • Sleepy Eye
  • Solway
  • Soudan
  • South Haven
  • South International Falls
  • South Saint Paul
  • Spicer
  • Spring Grove
  • Spring Lake
  • 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
  • Swan River
  • Swanville
  • Swatara
  • Swift
  • Taconite
  • Talmoon
  • Tamarack
  • Taopi
  • Taunton
  • Taylors Falls
  • Tenstrike
  • Thief River Falls
  • Tintah
  • Tofte
  • Tower
  • Tracy
  • Trail
  • Trimont
  • Trosky
  • Truman
  • Twig
  • Twin Lakes
  • Twin Valley
  • Two Harbors
  • Tyler
  • Ulen
  • Underwood
  • Upsala
  • Utica
  • Vergas
  • Vermillion
  • Verndale
  • Vernon Center
  • Vesta
  • Victoria
  • Viking
  • Villard
  • Vining
  • Virginia
  • Wabasha
  • Wabasso
  • Waconia
  • Wadena
  • Wahkon
  • Waite Park
  • Waldorf
  • Walker
  • Walnut Grove
  • Waltham
  • Wanamingo
  • Wanda
  • Wannaska
  • Warba
  • Warren
  • Warroad
  • Warsaw
  • Waseca
  • Waskish
  • Watertown
  • Waterville
  • Watkins
  • Watson
  • Waubun
  • Waverly
  • Wayzata
  • Webster
  • Welch
  • Welcome
  • Wells
  • Wendell
  • West Albany
  • West Concord
  • West Union
  • Westbrook
  • Wheaton
  • White Earth
  • Willernie
  • Williams
  • Willmar
  • Willow River
  • Wilmont
  • Wilton
  • Windom
  • Winger
  • Winnebago
  • Winona
  • Winsted
  • Winthrop
  • Winton
  • Wirt
  • Wolf Lake
  • Wolverton
  • Wood Lake
  • Woodstock
  • Worthington
  • Wrenshall
  • Wright
  • Wykoff
  • Wyoming
  • Young America
  • Zimmerman
  • Zumbro Falls
  • Zumbrota