CD Rates Essig, Minnesota (MN) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Current Essig, Minnesota CD rates include Cornerstone State BankCornerstone State BankA+5.0 ★Texas Ratio: 0.88%Real return: +1.75%APY minus CPI (February 2026) offering IRA 36-48 month C.D. at 4.55% APY, Heritage Bank MinnesotaHeritage Bank MinnesotaA5.0 ★Texas Ratio: 6.39%Real return: +1.36%APY minus CPI (February 2026) offering 3 Month Fixed CD at 4.16% APY, Farm Credit Employees Federal Credit UnionFarm Credit Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.27%APY minus CPI (February 2026) offering 60 month Share Certificate at 4.07% APY, American National Bank of MinnesotaAmerican National Bank of MinnesotaA+5.0 ★Texas Ratio: 5.69%Real return: +1.24%APY minus CPI (February 2026) offering 6-Month CD Special at 4.04% APY, and Members Choice WV Federal Credit UnionMembers Choice WV Federal Credit UnionA+5.0 ★Texas Ratio: 2.17%Real return: +1.21%APY minus CPI (February 2026) offering IRA Certificates 2 Year at 4.01% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Essig is a smaller community with no bank or credit union branches currently in our database. 314 institutions serving the Minnesota area are available to Essig residents, with CD rates as high as 4.55% APY from Cornerstone State Bank. 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 12, 2026
Compare Best CD Rates in Essig, Minnesota & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Prime Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
High-yield 3 month CDs
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Substantial penalty for early withdrawal.
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 month IRA Certificate
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Youth Certificate of Deposit 3 Month
$0
2.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Month Share Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3-Month CD
$2,500
1.21%
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
3 Month Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.90%
▼
Rate0.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
90 Day Certificates of Deposit
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Faribault
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Variable
$50
0.25%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
3 Month Certificates of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
American National Bank of Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
6-Month CD Special
$5,000
4.04%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.94%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be applied for early withdrawal. Fees may reduce earnings. $500 minimum opening deposit required to obtain APY. Not valid with any other offer. Rates effective as of 02/16/2026. Expires on or before 3/15//2026.
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
New money only.
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 6 Month
$0
3.80%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD Specials
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
6-Month Special Certificate
$0
3.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
6-month Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month Relationship CD
$0
3.35%
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 6 Month
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Non-Relationship
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 6 Month Term
$1,000
3.13%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 month IRA Certificate
$500
2.99%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.90%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 6 Month
$0
2.85%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Month Certificate
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 6 month
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
CD / IRA CD 6 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Pace Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Youth Certificate of Deposit 6 Month
$0
2.27%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
6 Month Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month Share Certificate
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000.00 and up; Early Withdrawal Penalty: 90 Days Dividends
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6-month Certificate
$500
1.26%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6-Month CD
$2,500
1.21%
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month Certificates of Deposit (CDs)
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 - $9,999.99
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
180 Day Certificate of Deposit
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.65%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
6 Month Certificates of Deposit
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
12 Month Fixed CD
$250
3.96%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
1 Year Certificate Accounts
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Border Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month CD Special (Options12 CD)
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 3.85% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer.
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
12 month Jumbo Certificate
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12 Month Certificate Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum opening balance
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificates of Deposit
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1 Year Certificates of Deposit
$25,000
3.56%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
$25,000 and over
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 1 Year
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $500 - $99,999; Payment Frequency: Maturity
Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Certificate of Deposit/IRA
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12-month Certificate of Deposit
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 1 Year
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and Above
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
12-Month Term
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
12 Month "V" CD
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 12 Month
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 12 Month Term
$1,000
3.15%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month Roth IRA
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 12 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 month IRA Certificate
$500
2.95%
▼
Rate2.93%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
CD / IRA CD 12 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Share Certificate
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificates of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 12 Month
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
12 Month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Traditional IRA 12 Month
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
1 year IRA CD Qualifying
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12 Month Share Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000.00 and up; Early Withdrawal Penalty: 90 Days Dividends
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Austin City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1-Year Term Share Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Month Certificates of Deposit (CDs)
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 - $9,999.99
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
12-Month CD
$1,000
1.21%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
12 month term
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
12 Month Certificate of Deposit
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Rate0.80%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month Certificate of Deposit
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
12 Month (Kids) Certificates of Deposit
$100
0.15%
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Fixed CD
$250
3.85%
▼
Rate3.80%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
IRA/Roth IRA 18 Month+
$0
3.69%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 18 Month Jumbo
$35,000
3.50%
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.70%
18 month Certificates of Deposit and IRA's
$0
3.46%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 18 Month Term
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Tier 2: $25,000 - $49,999.99
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Certificate
$500
2.99%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 month IRA Certificate
$500
2.92%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
CD / IRA CD 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OSB Odin State Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.01%
*Special 18 Month IRA CD
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 18 month
$0
2.56%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18 Month Share Certificate
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.40%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
18-Month CD
$1,000
1.21%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
18 Month Certificate of Deposit
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
18 Month Certificates of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Variable Rate Certificate of Deposit 24 Month Term
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate applicable to new money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible. 24 Month - Prime minus 3.00%; Current Prime Rate 7.00% as of 12/11/2025
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
IRA CD 24 Month
$2,500
3.70%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24 month Jumbo Certificate
$25,000
3.65%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.52%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
$25,000 and over
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
24 Month Certificate Special
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum opening balance
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
2 year IRA Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 24 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
2 Year Certificate Accounts
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
2 Year Certificate
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Profinium, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Certificate of Deposit/IRA
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
24-Month Term
$50,000
3.03%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
24 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CNB of Park Rapids
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2 Year Variable Rate IRA
$25
3.00%
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
2 year HSA CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 24 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 month IRA Certificate
$500
2.67%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Roth IRA
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 24 month
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Traditional IRA 24 Month
$0
2.41%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Month Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificates of Deposit
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2 Year Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
24 Month Roth IRA Certificate
$1,000
1.87%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
24 Month Certificates of Deposit (CDs)
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 - $9,999.99
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
24 Month Certificate of Deposit
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Rate0.90%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
36 month Jumbo Certificate
$25,000
3.80%
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
36 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.51%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Share Certificates with Rate Bump Option 36 Month Jumbo
$35,000
3.45%
▼
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Term Share Certificates-Traditional & Roth 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Step up Rate
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balance of $500 - $99,999; Payment Frequency: Annually
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Month Certificate
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
3 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
36-month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 36 Month
$0
2.92%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 36 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 36 Month Term
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 36 month
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Month Certificate
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
FNB at St. James
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 Month Variable* Certificates of Deposit
$5,000
2.52%
▼
Rate2.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 month IRA Certificate
$500
2.45%
▼
Rate2.43%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Month Certificate
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Year Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
3 year IRA CD Qualifying
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Balance up to $9,999.99
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Individual Retirement Account (IRA) 3 Year Term
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
(a, b, c)
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
36 Month Roth IRA Certificate
$1,000
1.97%
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
36 Month Certificates of Deposit (CDs)
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 - $9,999.99
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36 month term
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
36 Month Certificate of Deposit
$500
1.20%
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
3 Year (36 Month) Certificates of Deposit
$2,500
0.35%
▼
Rate0.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.59%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
48 Month Certificates & Individual Retirement Accounts (IRA)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Share Certificates with Rate Bump Option 48 Month Jumbo
$35,000
3.45%
▼
Rate3.40%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
4 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Term Share Certificates-Traditional & Roth 4 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
4 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 48 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 48 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Certificate
$10,000
2.84%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 48 Month Term Tier 4
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month Certificates of Deposit
$0
2.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 48 month
$0
2.65%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
48-month Share Certificate
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Month Certificate
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 48 Month
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
48 Month Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000.00+; Early Withdrawal Penalty: 180 Days Dividends
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month Certificates of Deposit (CDs)
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48-Month CD
$1,000
1.42%
▼
Rate1.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
48 Month Certificate of Deposit
$500
1.30%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.15%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
4 Year (48 Month) Certificates of Deposit
$10,000
0.40%
▼
Rate0.40%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
60 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 60 Month Jumbo
$35,000
3.70%
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverland Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
60 Month CD and IRA Accounts
$1,000
3.55%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 Year Certificates of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Term Share Certificates-Traditional & Roth 5 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Roth IRA 60 Month
$0
3.12%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Certificate
$10,000
3.04%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Special IRA Certificates of Deposit 60 month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month Certificates of Deposit
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 60 Month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Certificate of Deposit 60 Month Term Tier 4
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
Citizens Bank & Trust Co. MN
Institution Rating:
F1.0 ★Texas Ratio: 70.18%
5 Year Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
60-month Share Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 60 month
$0
2.70%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate2.53%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Bank & Trust Company MN
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
5 year HSA CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Woodland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
Individual Retirement Account (IRA) 5 Year Term
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
(a, b, c)
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 60 Month
$0
2.40%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
2.35%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minnesota Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 month IRA Certificate
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
60 Month Share Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000.00 and up; Early Withdrawal Penalty: 180 Days Dividends
Rate2.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Grove Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificates of Deposit
$0
2.06%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
60 Month Certificates of Deposit (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Penalty may be imposed for early withdrawal.
Rate1.30%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Center National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60-month Certificate
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Minnstar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arlington State Bank
Institution Rating:
F1.0 ★Texas Ratio: 263.56%
5 Year (60 Month) Certificates of Deposit
$5,000
0.50%
▼
Rate0.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Essig, MN CD Rate Trends
Compare local Essig, 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.
12-Month CD — MN Avg
2.768%
Unchanged vs 7 days ago
Minnesota 12-month CD rates currently average 2.768% APY based on data from institutions in our monitoring network.
6-Month CD — MN Avg
2.407%
Unchanged vs 7 days ago
Minnesota 6-month CD rates currently average 2.407% APY based on data from institutions in our monitoring network.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
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MN CD Rate Forecast — Next 12 Months
Where are Minnesota CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MN 12-Month Avg APY
2.768%
6-Month Forecast
2.768%
Range: 2.57% – 2.92%
12-Month Forecast
2.518%
Range: 2.32% – 2.67%
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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 | 1.593% | $79.65 | $159.29 | $398.23 | $796.45 |
| 6-Month CD | 2.404% | $120.19 | $240.38 | $600.95 | $1,201.90 |
| 12-Month CD | 2.768% | $138.42 | $276.84 | $692.10 | $1,384.20 |
| 18-Month CD | 2.851% | $142.56 | $285.11 | $712.78 | $1,425.55 |
| 24-Month CD | 2.811% | $140.53 | $281.06 | $702.65 | $1,405.30 |
| 36-Month CD | 2.694% | $134.68 | $269.36 | $673.40 | $1,346.80 |
| 48-Month CD | 2.781% | $139.04 | $278.08 | $695.20 | $1,390.40 |
| 60-Month CD | 2.765% | $138.23 | $276.46 | $691.15 | $1,382.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Essig, 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.
| Rung | Term | Deposit | MN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.593% | $79.65 |
| 2 | 6-Month CD | $5,000 | 2.404% | $120.19 |
| 3 | 12-Month CD | $5,000 | 2.768% | $138.42 |
| 4 | 24-Month CD | $5,000 | 2.811% | $140.53 |
| 5 | 36-Month CD | $5,000 | 2.694% | $134.68 |
| Total ($25,000 invested) | $25,000 | 2.454% blended | $613.47/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.
109
Institutions
in Essig, Minnesota
in Essig, Minnesota
52 Banks
30 Credit Unions
About Our Essig, Minnesota CD Rate Database
MonitorBankRates tracks CD rates from 52 banks and 30 credit unions with locations in Essig, 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: Cornerstone State Bank offers a CD at 4.55% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Essig, Minnesota.
How to Find the Best CD Rates in Essig, Minnesota
What to compare when shopping for a CD in Essig, Minnesota
To find the best APYs in Essig, Minnesota, start with credit unions and online-only banks — Essig, Minnesota has 30 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 Essig, 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 Essig, Minnesota — 82 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Essig, Minnesota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Essig, Minnesota money market rates
Minnesota Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$141/yr
At MN 12-mo avg 2.768% 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 2.768%, saving 10% of the local median salary ($5,083/year) and putting it in a CD would earn an additional $141 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 Essig, 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 |
Frequently Asked Questions about CD Rates in Essig, Minnesota
Are CD rates in Essig, Minnesota FDIC insured?
Yes, most established banks in Essig, 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 Essig, 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 Essig, 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 Essig, 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 Essig, Minnesota?
Here are recent top rates found for this area:
- 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)
- Toro Employees Federal Credit Union: 4.00% APY (6 month Jumbo Certificate)
- Falcon National Bank: 3.95% APY (6-Month CD)
- Wings Financial Credit Union: 3.90% APY (6-month certificate)
- Embarrass Vermillion Federal Credit Union: 3.90% APY (1 Year Certificate Accounts)
Rates reflect recent verified offers available in Essig, Minnesota. Last Updated: April 12, 2026
CD Calculators for Essig, Minnesota
Essig, Minnesota CD Calculator
At today’s MN top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.
Essig, Minnesota CD LadderMN CD rates currently range from 1.593% (3-month) to 2.694% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Essig, Minnesota CD at 4.55% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMinnesota’s average 12-month CD is 2.768% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Essig, 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 Essig, 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 12, 2026
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