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CD Rates Duluth, Minnesota (MN) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 10, 2026

Current Duluth, Minnesota CD rates include Bell BankBell Bank201 E Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.41% offering 3 Month (91 Day) CD at 3.60% APY, Northern Communities Credit UnionNorthern Communities Credit Union3311 W Arrowhead Rd, Duluth, MN 55811 4065A5.0 ★Texas Ratio: 11.87% offering 12-month Youth Share Certificate at 3.60% APY, Baxter Credit UnionBaxter Credit Union4316 Rice Lake Rd, Duluth, MN 55811A5.0 ★Texas Ratio: 7.73% offering 18-month term at 3.30% APY, Minnesota Power Employees Credit UnionMinnesota Power Employees Credit Union30 W Superior St Ste 126, Duluth, MN 55802 2191A+5.0 ★Texas Ratio: 2.03% offering 6 month IRA Certificate at 2.99% APY, and Cornerstone State BankCornerstone State BankA+5.0 ★Texas Ratio: 0.88% offering IRA 36-48 month C.D. at 4.55% APY. CD rates as of April 10, 2026 according to verified data from MonitorBankRates.

Duluth has 28 local institutions in our database, with CD rates as high as 3.60% APY from Bell Bank at 201 E Superior St, Duluth, MN 55802. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Minnesota area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 10, 2026

Compare Best CD Rates in Duluth, Minnesota & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
3 Month (91 Day) CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

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

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
3 month IRA Certificate
$500
2.90%
View
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Fixed CD
$250
4.16%
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 91 Days Interest

Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
High-yield 3 month CDs
$10,000
4.00%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 10, 2026
Details

Substantial penalty for early withdrawal.

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD
$100,000
3.80%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 10, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month CD and IRA Accounts
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3 Month Certificate
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Relationship

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Month
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3 Month CD
$1,000
2.53%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month CD
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Month Share Certificate
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Certificate
$0
1.70%
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Month Certificates & Individual Retirement Accounts (IRA)
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3-Month CD
$2,500
1.21%
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
3 Month Certificate
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
3-Month CD
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.90%
View
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
90 Day Certificates of Deposit
$0
0.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Variable
$50
0.25%
View
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
90 Day Certificate of Deposit
$500
0.10%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
3 Month Certificates of Deposit
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
6 Month (182 Day) CD
$0
3.58%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

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

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
6-month Share Certificate
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
6 month IRA Certificate
$500
2.99%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Fixed CD
$250
4.16%
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 181 Days Interest

American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6-Month CD Special
$5,000
4.04%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 10, 2026
Details

Effective 3/12/26

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6 month Jumbo Certificate
$25,000
4.00%
View
▼
Rate3.94%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6-Month CD
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Expires on or before 3/15//2026.

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
6 month IRA Certificates
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 Month Relationship CD
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month CD
$100,000
3.78%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 10, 2026
Details

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD Specials
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
6 Month Certificates & Individual Retirement Accounts (IRA)
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
6 Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

A penalty may be imposed for early withdrawal.

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month Share Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
6 Month "S" CD
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6-month Certificate
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month Relationship CD
$0
3.35%
View
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$50,000
3.33%
View
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 6 Month
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.20%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Non-Relationship

Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Certificate
$1,000
3.00%
View
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 month CD
$2,000
2.92%
View
▼
Rate2.90%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Digital CD
$1,000
2.87%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 6 Month
$0
2.85%
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Month Certificate
$500
2.79%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Mo Share Certificates
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 month Certificate
$0
2.75%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month CD
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 6 month
$0
2.57%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Month Certificate
$0
2.50%
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
6 Month Share Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$500
1.76%
View
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month Certificate
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month Share Certificate
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00 and up; Early Withdrawal Penalty: 90 Days Dividends

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6-Month CD
$2,500
1.21%
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month Certificates of Deposit (CDs)
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month CD
$500
0.75%
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
6 Month Certificate
$2,000
0.65%
View
▼
Rate0.65%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit & IRAs 6 Month
$1,000
0.60%
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
6 Month Certificates of Deposit
$2,500
0.05%
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
12-month Youth Share Certificate
$250
3.60%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
1 Year (12 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

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

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
12 month IRA Certificate
$500
2.95%
View
▼
Rate2.93%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
12-month term Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
12 Month Fixed CD
$250
3.96%
View
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 181 Days Interest

Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
1 Year Certificate Accounts
$500
3.90%
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
12 month Jumbo Certificate
$25,000
3.80%
View
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
12 Month IRA Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
12 Month CD
$500
3.74%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 12 Month
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificates of Deposit
$0
3.68%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
1 Year Certificate
$2,500
3.65%
View
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1 Year Certificates of Deposit
$25,000
3.56%
View
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

$25,000 and over

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1-Year CD
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
12 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12-month Certificate of Deposit
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12 Month CD
$1,000
3.30%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1 Year Share Certificates
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
12 Month "V" CD
$500
3.28%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1 Year Term Certificates
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 and Above

Minnwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month Digital CD
$1,000
3.20%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Leading Edge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
12 Month CD
$0
3.19%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Bank Elk River
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Regular & IRA Certificate 1 Year
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month Roth IRA
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
12 Month Certificate
$0
3.00%
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Mo Share Certificates
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
12-Month Term
$1,000
2.98%
View
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
1 Year Fixed Rate IRA
$25
2.75%
View
▼
Rate2.75%
Min Deposit$25
Min Balance—
UpdatedApr 10, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Share Certificate
$500
2.53%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificates of Deposit
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 month Certificate
$0
2.50%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
12 Month Share Certificate
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Traditional IRA 12 Month
$0
2.21%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
1 year IRA CD Qualifying
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Balance up to $9,999.99

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 Year Share Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12 Month Share Certificate
$0
1.71%
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00 and up; Early Withdrawal Penalty: 90 Days Dividends

Austin City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1-Year Term Share Certificate
$0
1.50%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Month Certificates of Deposit (CDs)
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
12-Month CD
$1,000
1.21%
View
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1 Year CD
$500
1.15%
View
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 Month CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
12 Month Certificate of Deposit
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
12 Month Certificate
$2,000
0.80%
View
▼
Rate0.80%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit & IRAs 12 Month
$1,000
0.70%
View
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD'S AND IRA'S
$1,000
0.65%
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month Certificate of Deposit
$500
0.40%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
12 Month (Kids) Certificates of Deposit
$100
0.15%
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
18 Month CD
$0
3.33%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

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

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
18 month IRA Certificate
$500
2.92%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Fixed CD
$250
3.85%
View
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 365 Days Interest

Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

Falcon National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18-Month CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Expires on or before 3/15//2026.

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
IRA/Roth IRA 18 Month+
$250
3.68%
View
▼
Rate3.61%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
18 Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

A penalty may be imposed for early withdrawal.

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD Specials
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 18 Month
$35,000
3.50%
View
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 10, 2026
Details

Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
18 month Certificates of Deposit and IRA's
$0
3.46%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
18-Month CD
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Certificate
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term IRA Certificates
$50,000
3.19%
View
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
18 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
18 Month "A" CD
$1,000
3.02%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Month Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Certificate
$500
2.99%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month Share Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
CD / IRA CD 18 Month
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

OSB Odin State Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.01%
*Special 18 Month IRA CD
$0
2.57%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 18 month
$0
2.56%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 month CD
$2,000
2.51%
View
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 18 Month
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
18 Month IRA Certificate
$2,000
2.02%
View
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18 Month Share Certificate
$0
1.75%
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month IRA CD
$100
1.41%
View
▼
Rate1.40%
Min Deposit$100
Min Balance—
UpdatedApr 10, 2026
Details

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18-month Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
18-Month CD
$1,000
1.21%
View
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
18 Month Certificate of Deposit
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit & IRAs 18 Month Add-on IRA only
$100
0.75%
View
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
18 Month Certificates of Deposit
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
2 Year (24 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
24-month Share Certificate
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
24 month IRA Certificate
$500
2.67%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 2 Year
$0
4.01%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
24 Month Fixed CD
$250
3.80%
View
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 365 Days Interest

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
IRA 24 Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month Jumbo Certificate
$25,000
3.65%
View
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Relationship

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2 Year Certificates of Deposit
$25,000
3.57%
View
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

$25,000 and over

Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
24 Month IRA Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Month Certificate
$0
3.40%
View
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 24 Month
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month CD
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
2 Year Certificate
$500
3.24%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 mo. CD
$0
3.23%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2 Year CD
$0
3.20%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
24 Mo Share Certificates
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
24-Month Term
$50,000
3.03%
View
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
24 Month "T" CD
$1,000
3.02%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2 Year Variable Rate IRA
$25
3.00%
View
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 24 Month
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
2 year HSA CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 24 Month
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Roth IRA
$500
2.63%
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 24 month
$0
2.55%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Traditional IRA 24 Month
$0
2.41%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Month Certificate
$0
2.30%
View
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificates of Deposit
$0
2.26%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 24 Month
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
24 Month Share Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
24 Month Roth IRA Certificate
$1,000
1.87%
View
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00 and up

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
24 Month Certificates of Deposit (CDs)
$0
1.55%
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2 Year CD
$2,000
1.51%
View
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2 Year CD
$500
1.41%
View
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
24 month term
$0
1.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
24 Month Certificate of Deposit
$500
1.10%
View
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month CD'S AND IRA'S
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
24 Month Certificate
$2,000
0.90%
View
▼
Rate0.90%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
0.65%
View
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
3 Year (36 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
36-month Share Certificate
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
36-month term Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
36 month IRA Certificate
$500
2.45%
View
▼
Rate2.43%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month Jumbo Certificate
$25,000
3.80%
View
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
36 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
36 Month Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Relationship

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3 Year Certificates of Deposit
$25,000
3.56%
View
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

$25,000 and over

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
36 Month Certificates & Individual Retirement Accounts (IRA)
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Share Certificates with Rate Bump Option 36 Month Jumbo
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Minimum balance required to open account and earn the stated APY= $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
36 Month CD and IRA Accounts
$1,000
3.40%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

First Bank Blue Earth
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
3 Year CD
$0
3.35%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
36 Month Fixed CD
$250
3.29%
View
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 365 Days Interest

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
3-Year CD
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Month Certificate
$0
3.20%
View
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
36 Mo Share Certificates
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
3 Year Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 36 Month
$0
2.92%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 36 Month
$0
2.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FNB of Moose Lake
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month CD
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 36 month
$0
2.65%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Month Certificate
$500
2.63%
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
36 Month "B" CD
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Month Certificate
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 36 Month
$0
2.30%
View
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 month CD
$2,000
2.25%
View
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Year "Step Up" Rate Certificate
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Certificates of Deposit
$0
2.06%
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 Year CD
$2,000
2.02%
View
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36 month term
$500
2.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
36 Month Roth IRA Certificate
$1,000
1.97%
View
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00 and up

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
1.85%
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Year CD
$500
1.66%
View
▼
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
36 Month Certificates of Deposit (CDs)
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36-month Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
36 Month Certificate of Deposit
$500
1.20%
View
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month CD'S AND IRA'S
$1,000
1.15%
View
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
36 Month Certificate
$2,000
1.00%
View
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit & IRAs 36 Month
$1,000
0.90%
View
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$500
0.75%
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
3 Year (36 Month) Certificates of Deposit
$2,500
0.35%
View
▼
Rate0.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
48-month Share Certificate
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.55%
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

$75,000 to $199,999.99

VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
48 Month Certificate of Deposit
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
48 Month Certificate
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4 Year Certificates of Deposit
$25,000
3.64%
View
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

$25,000 and over

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Relationship

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Share Certificate
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
48 Month CD and IRA Accounts
$1,000
3.50%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Share Certificates with Rate Bump Option 48 Month Jumbo
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Minimum balance required to open account and earn the stated APY= $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD
$25,000
3.40%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4 Year Certificates of Deposit
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
4-Year CD
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
48 Month Fixed CD
$250
3.03%
View
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 365 Days Interest

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 48 Month
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 48 Month
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Certificate
$10,000
2.84%
View
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 10, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month Certificates of Deposit
$0
2.77%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
48 month CD
$2,000
2.75%
View
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 48 month
$0
2.65%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Month Certificate
$0
2.40%
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 48 Month
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 48 Month
$0
2.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Certificates of Deposit
$0
2.06%
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
48 Month Share Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00+; Early Withdrawal Penalty: 180 Days Dividends

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4 Year CD
$500
1.91%
View
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month Certificates of Deposit (CDs)
$0
1.90%
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
48 month term
$0
1.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48-Month CD
$1,000
1.42%
View
▼
Rate1.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
48 Month Certificate of Deposit
$500
1.30%
View
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48-month Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
48 Month Certificate
$2,000
1.16%
View
▼
Rate1.15%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit & IRAs 48 Month
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
0.90%
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
4 Year (48 Month) Certificates of Deposit
$10,000
0.40%
View
▼
Rate0.40%
Min Deposit$10,000
Min Balance—
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
201 E Superior St, Duluth, MN 55802
5 Year (60 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN 55811
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
3311 W Arrowhead Rd, Duluth, MN 55811 4065
60-month Share Certificate
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 W Superior St Ste 126, Duluth, MN 55802 2191
60 month IRA Certificate
$500
2.25%
View
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month Share Certificate
$1,000
4.07%
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 10, 2026
Details

Luminate Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
60 Month Certificate
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 60 Month
$35,000
3.70%
View
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedApr 10, 2026
Details

First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5 Year Certificates of Deposit
$25,000
3.65%
View
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

$25,000 and over

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
60 Month Certificates & Individual Retirement Accounts (IRA)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 10, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD
$25,000
3.50%
View
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 10, 2026
Details

CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
60 Month CD***
$10,000
3.44%
View
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedApr 10, 2026
Details

CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 Year Certificates of Deposit
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
60 Month Certificate
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 60 Month
$0
3.12%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Currie State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
5-Year CD
$500
3.05%
View
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Certificate
$10,000
3.04%
View
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 10, 2026
Details

Citizens Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Special IRA Certificates of Deposit 60 month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month Certificates of Deposit
$0
3.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
5 Year CD
$500
3.00%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 60 Month
$0
2.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
60 Month Fixed CD
$250
2.78%
View
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedApr 10, 2026
Details

EARLY WITHDRAWAL PENALTIES: 365 Days Interest

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 60 month
$0
2.70%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Month Certificate
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5 Year "Step Up" Rate Certificate
$0
2.55%
View
▼
Rate2.53%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

FSB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
5 Year CD
$2,000
2.52%
View
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
60 month term
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 60 Month
$0
2.40%
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
2.35%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
60 Month Share Certificate
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$100,000.00 and up; Early Withdrawal Penalty: 180 Days Dividends

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
5 Year CD
$500
2.17%
View
▼
Rate2.15%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificates of Deposit
$0
2.06%
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
5 year IRA CD Qualifying
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Balance up to $9,999.99

SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
60 Month Certificates of Deposit (CDs)
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

$500 - $9,999.99

United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
60 Month Certificate of Deposit
$500
1.40%
View
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Penalty may be imposed for early withdrawal.

Bankwest
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
60 Month Certificate
$2,000
1.31%
View
▼
Rate1.30%
Min Deposit$2,000
Min Balance—
UpdatedApr 10, 2026
Details

Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60-month Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 10, 2026
Details

Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 10, 2026
Details

Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
5 Year (60 Month) Certificates of Deposit
$5,000
0.50%
View
▼
Rate0.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 10, 2026
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.

Duluth, MN CD Rate Trends

Compare local Duluth, MN 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
1.847%
▼ 1.255 vs 7 days ago

Minnesota 12-month CD rates fell 1.255 points over the past 7 days to 1.847% APY.

6-Month CD — MN Avg
2.661%
▼ 1.065 vs 7 days ago

Minnesota 6-month CD rates fell 1.065 points over the past 7 days to 2.661% APY.

As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Duluth, Minnesota

Are CD rates in Duluth, Minnesota FDIC insured?

Yes, most established banks in Duluth, 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 Duluth, 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 Duluth, 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 Duluth, 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 Duluth, Minnesota?

Here are recent top rates found for this area:
  • Bell Bank: 3.60% APY (3 Month (91 Day) CD)
  • Northern Communities Credit Union: 3.60% APY (12-month Youth Share Certificate)
  • Baxter Credit Union: 3.30% APY (18-month term)
  • Minnesota Power Employees Credit Union: 2.99% APY (6 month IRA Certificate)
  • Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
  • Heritage Bank Minnesota: 4.16% APY (3 Month Fixed CD)
  • Farm Credit Employees Federal Credit Union: 4.07% APY (60 month Share Certificate)
  • American National Bank of Minnesota: 4.04% APY (6-Month CD Special)
  • Members Choice WV Federal Credit Union: 4.01% APY (IRA Certificates 2 Year)
  • Prime Security Bank: 4.00% APY (High-yield 3 month CDs)
Rates reflect recent verified offers available in Duluth, Minnesota. Last Updated: April 10, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Duluth, 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Duluth, 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: April 10, 2026

Duluth, Minnesota Rates & Resources

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