What are the best CD rates in Minneapolis, Minnesota?

Here are recent top rates found for this area: Affinity Plus Federal Credit Union : 4.25% APY (BASIC CERTIFICATES - 60 month) MidCountry Bank : 4.06% APY (Variable Rate Certificate of Deposit 24 Month Term) Luminate Bank : 4.00% APY (12 Month Certificate) TruStone Financial Credit Union : 4.00% APY (12 Month (Moneywise Available) Certificate) Sunrise Banks National Association : 3.80% APY (12 Month CD Term) Baxter Credit Union : 3.65% APY (18-month term) Bell Bank : 3.60% APY (3 Month (91 Day) CD) Ameriprise Financial : 3.00% APY (3 Month AmeripriseInstallment Certificate) Northeast Bank : 2.50% APY (12 Month Certificate of Deposit) Latvian Credit Union : 2.22% APY (3 Year CD Special)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

iAdvertiser Disclosure CD Rate Trends

Minneapolis, Minnesota Best CD Rates September 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Minneapolis, Minnesota.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 22, 2026

Current Minneapolis, Minnesota CD rates include Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union2520 University Ave SE, Minneapolis, MN 55414A+5.0 ★Texas Ratio: 4.47%Real return: +1.45%APY minus CPI (February 2026) offering BASIC CERTIFICATES - 60 month at 4.25% APY, MidCountry BankMidCountry Bank7825 Washington Ave S, Minneapolis, MN 55439A+5.0 ★Texas Ratio: 5.95%Real return: +1.26%APY minus CPI (February 2026) offering Variable Rate Certificate of Deposit 24 Month Term at 4.06% APY, Luminate BankLuminate Bank2523 South Wayzata Boulevard, Minneapolis, MN 55405B-4.3 ★Texas Ratio: 23.75%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY, TruStone Financial Credit UnionTruStone Financial Credit Union2817 Lyndale Ave S, Minneapolis, MN 55408A+5.0 ★Texas Ratio: 4.88%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month (Moneywise Available) Certificate at 4.00% APY, and Sunrise Banks National AssociationSunrise Banks National Association525 Washington Ave N, Minneapolis, MN 55401A5.0 ★Texas Ratio: 9.99%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month CD Term at 3.80% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Minneapolis has 171 local institutions in our database, with CD rates as high as 4.25% APY from Affinity Plus Federal Credit Union at 2520 University Ave SE, Minneapolis, MN 55414. 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, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Minneapolis 3 Month CD Rates

National 3 Month CD Average2.06% APY▲ 0.02% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 3 month

3.65% ▲ 1.59% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.59% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

3 Month (91 Day) CD

3.60% ▲ 1.54% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 3 Month (91 Day) CD

3.60% ▲ 1.54% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

3 Month (91 Day) CD

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.49% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 3 Month (91 Day) CD

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.49% above avg

Details

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

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

3 Month Certificate

$500

3.55% ▲ 1.49% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.49% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

3 Month Certificate

$500

3.50% ▲ 1.44% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.44% above avg

Details

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

3 Month AmeripriseInstallment Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

3 Months - Relationship

2.75% ▲ 0.69% above national avg

View

▼

Rate2.71%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.69% above avg

Details

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

3 Month Certificate of Deposit

$10,000

2.22% ▲ 0.16% above national avg

View

▼

Rate2.20%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.16% above avg

Details

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

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

3 Month Certificate of Deposit

$1,000

2.12% ▲ 0.06% above national avg

View

▼

Rate2.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.06% above avg

Details

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

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

3 Month Certificate

1.50% ▼ 0.56% below national avg

View

▼

Rate1.49%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 0.56% below avg

Details

Dacotah Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.94%

60 S 6th Street Suite 1275, Minneapolis, MN 55402

3 Month CD

$500

0.70% ▼ 1.36% below national avg

View

▼

Rate0.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.36% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

3-month term

0.60% ▼ 1.46% below national avg

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 1.46% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 3-month term

0.60% ▼ 1.46% below national avg

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 1.46% below avg

Details

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

3 Month Certificate

0.50% ▼ 1.56% below national avg

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.56% below avg

Details

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

3 Month CD

$500

0.50% ▼ 1.56% below national avg

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.56% below avg

Details

Balance: $250,000.00 +; Interest Rate with checking account*: 3.55%; Annual Percentage Yield: 3.60%

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

3-month term Regular

0.50% ▼ 1.56% below national avg

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 1.56% below avg

Details

Standard CDs

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

3 Month CD

$500

0.45% ▼ 1.61% below national avg

View

▼

Rate0.45%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.61% below avg

Details

Balance: $100,000.-$249,999.; Interest Rate with checking account*: 2.75%; Annual Percentage Yield: 2.78%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

3 Month CD

$500

0.40% ▼ 1.66% below national avg

View

▼

Rate0.40%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.66% below avg

Details

Balance: $25,000.00 - $99,999.99; Interest Rate with checking account*: 1.85%; Annual Percentage Yield: 1.86%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

3 Month CD

$500

0.35% ▼ 1.71% below national avg

View

▼

Rate0.35%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.71% below avg

Details

Balance: $10,000.00 - $24,999.99; Interest Rate with checking account*: 1.50%; Annual Percentage Yield: 1.51%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

3 Month CD

$500

0.30% ▼ 1.76% below national avg

View

▼

Rate0.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.76% below avg

Details

Balance: $500.00 - $9,999.99; Interest Rate with checking account*: 0.85%; Annual Percentage Yield: 0.85%

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

3 month Standard Interest Rate

$2,500

0.06% ▼ 2.00% below national avg

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 2.00% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

3 month Standard Fixed Rate CD

$2,500

0.05% ▼ 2.01% below national avg

View

▼

Rate0.05%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 2.01% below avg

Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Heritage Bank Minnesota

Institution Rating:

A-4.4 ★Texas Ratio: 8.07%

3 Month Fixed CD

$250

4.16% ▲ 2.10% above national avg

View

▼

Rate4.10%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 2.10% above avg

Details

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

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

3 Months Certificate

3.91% ▲ 1.85% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.85% above avg

Details

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

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

3 Months Certificate

3.85% ▲ 1.79% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.79% above avg

Details

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

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

3 Month CD Special

3.80% ▲ 1.74% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.74% above avg

Details

Balance: $100,000+*

Reliance Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.81%

90 Day Certificates of Deposit and IRA's

3.70% ▲ 1.64% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.64% above avg

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

3 Month CD Special

3.70% ▲ 1.64% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.64% above avg

Details

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

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

3 Month Business Share Certificate

3.70% ▲ 1.64% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.64% above avg

Details

Balance: $1,000 - $9,999

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

3 Month Share Certificate

3.70% ▲ 1.64% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.64% above avg

Details

Balance: $1,000 - $9,999

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

3 Month CD Special

3.60% ▲ 1.54% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.54% above avg

Details

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

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

3 Month Term Share Certificates

3.59% ▲ 1.53% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.53% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

3 Months Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.49% above avg

Details

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

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

3 Month Certificate of Deposit

3.50% ▲ 1.44% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.44% above avg

Details

Great Southern Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

3-Month CD

$1,000

3.40% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.34% above avg

Details

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

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

3 Month Relationship CD

3.40% ▲ 1.34% above national avg

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.34% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

3 Months Certificate

3.29% ▲ 1.23% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.23% above avg

Details

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

Bank Forward

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

3 Month Certificate

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.19% above avg

Details

Gateway Bank Mendota Heights, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.01%

3 Month Certificate of Deposit (CD)

3.15% ▲ 1.09% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.09% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 3 Month

3.05% ▲ 0.99% above national avg

View

▼

Rate3.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.99% above avg

Details

Minnesota First

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

3 Month Certificate of Deposit

$500

3.00% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.94% above avg

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

3 Month Certificate of Deposit

2.90% ▲ 0.84% above national avg

View

▼

Rate2.87%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.84% above avg

Details

Minnesota Power Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

3 Month Tiered Term Share Certificates & IRA Certificates

2.90% ▲ 0.84% above national avg

View

▼

Rate2.87%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.84% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 3 Month

2.75% ▲ 0.69% above national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.69% above avg

Details

American State Bank of Grygla

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 MONTH CD

2.67% ▲ 0.61% above national avg

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 0.61% above avg

Details

CNB of Park Rapids

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

3 Month CD

$1,000

2.53% ▲ 0.47% above national avg

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 0.47% above avg

Details

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

3 Month Certificate

2.50% ▲ 0.44% above national avg

View

▼

Rate2.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.44% above avg

Details

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

3 Month IRA Certificate

2.50% ▲ 0.44% above national avg

View

▼

Rate2.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.44% above avg

Details

IRA Certificate

Minneapolis 6 Month CD Rates

National 6 Month CD Average2.77% APY▲ 0.02% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

6 Month Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.23% above avg

Details

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 6 month

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

6 Month Certificate

$500

3.60% ▲ 0.83% above national avg

View

▼

Rate3.57%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.83% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

6 Month (182 Day) CD

3.58% ▲ 0.81% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.81% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 6 Month (182 Day) CD

3.58% ▲ 0.81% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.81% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

6 Month (182 Day) CD

3.53% ▲ 0.76% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.76% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 6 Month (182 Day) CD

3.53% ▲ 0.76% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.76% above avg

Details

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

Sunrise Banks National Association

Institution Rating:

A5.0 ★Texas Ratio: 9.99%

525 Washington Ave N, Minneapolis, MN 55401

6 Month CD Term

$500

3.29% ▲ 0.52% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.52% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 6 Month Term

3.13% ▲ 0.36% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.36% above avg

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 6 Month Term

3.03% ▲ 0.26% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.26% above avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 6 Month Term

2.93% ▲ 0.16% above national avg

View

▼

Rate2.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.16% above avg

Details

Balance: $25,000 - $49,999.99

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

6 Months - Relationship

2.85% ▲ 0.08% above national avg

View

▼

Rate2.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.08% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 6 Month Term

2.52% ▼ 0.25% below national avg

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▼ 0.25% below avg

Details

Balance: $1,000 - $24,999.99

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

6 Month Certificate of Deposit

$10,000

2.31% ▼ 0.46% below national avg

View

▼

Rate2.30%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▼ 0.46% below avg

Details

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

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

6 Month Certificate of Deposit

$1,000

2.21% ▼ 0.56% below national avg

View

▼

Rate2.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▼ 0.56% below avg

Details

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

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

6-month term

1.35% ▼ 1.42% below national avg

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 1.42% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 6-month term

1.35% ▼ 1.42% below national avg

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 1.42% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

6-month term Regular

1.25% ▼ 1.52% below national avg

View

▼

Rate1.24%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 1.52% below avg

Details

Standard CDs

Dacotah Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.94%

60 S 6th Street Suite 1275, Minneapolis, MN 55402

6 month CD

$500

0.90% ▼ 1.87% below national avg

View

▼

Rate0.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 1.87% below avg

Details

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

6 month CD

$500

0.70% ▼ 2.07% below national avg

View

▼

Rate0.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.07% below avg

Details

Balance: $250,000.00 +; Interest Rate with checking account*: 3.75%; Annual Percentage Yield: 3.79%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

6 month CD

$500

0.65% ▼ 2.12% below national avg

View

▼

Rate0.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.12% below avg

Details

Balance: $100,000.-$249,999.; Interest Rate with checking account*: 3.00%; Annual Percentage Yield: 3.02%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

6 month CD

$500

0.60% ▼ 2.17% below national avg

View

▼

Rate0.60%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.17% below avg

Details

Balance: $25,000.00 - $99,999.99; Interest Rate with checking account*: 1.95%; Annual Percentage Yield: 1.96%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

6 month CD

$500

0.55% ▼ 2.22% below national avg

View

▼

Rate0.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.22% below avg

Details

Balance: $10,000.00 - $24,999.99; Interest Rate with checking account*: 1.70%; Annual Percentage Yield: 1.71%

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

6 Month Certificate

0.50% ▼ 2.27% below national avg

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.27% below avg

Details

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

6 month CD

$500

0.50% ▼ 2.27% below national avg

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.27% below avg

Details

Balance: $500.00 - $9,999.99; Interest Rate with checking account*: 1.05%; Annual Percentage Yield: 1.05%

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

6 month Standard Interest Rate

$2,500

0.06% ▼ 2.71% below national avg

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.71% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

6 month Standard Fixed Rate

$2,500

0.05% ▼ 2.72% below national avg

View

▼

Rate0.05%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.72% below avg

Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Metropolitan Services Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6 Month NEW Youth CD

$500

8.00% ▲ 5.23% above national avg

View

▼

Rate8.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 5.23% above avg

Details

Limit of one CD per member; ($500 - $1,000)

Northridge Community Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 14.95%

6 Month Certificate of Deposit

4.31% ▲ 1.54% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.54% above avg

Details

Forward Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

6 Month CD

$500

4.25% ▲ 1.48% above national avg

View

▼

Rate4.19%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.48% above avg

Details

Balance: $500 - $9,999.99

Heritage Bank Minnesota

Institution Rating:

A-4.4 ★Texas Ratio: 8.07%

6 Month Fixed CD

$250

4.16% ▲ 1.39% above national avg

View

▼

Rate4.10%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.39% above avg

Details

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

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

6-month share certificate

4.16% ▲ 1.39% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.39% above avg

Details

Expedition Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

6 Month FlexRate

4.06% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.29% above avg

Details

PROMO

Expedition Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

6-Month Certificate

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.29% above avg

Details

Promotion!

Crow Wing Power Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.06%

6-Month CD

$1,000

4.05% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.28% above avg

Details

Published APY range: 4.05%-4.11%. 60 day early withdrawal penalty

Gateway Bank Mendota Heights, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.01%

6 Month CD

4.00% ▲ 1.23% above national avg

View

▼

Rate3.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Falcon National Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.39%

6-Month CD

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.23% above avg

Details

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

Prime Security Bank

Institution Rating:

A-4.9 ★Texas Ratio: 16.15%

High-yield 6 month CDs

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.23% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

6 Month Certificate of Deposit

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.18% above avg

Details

West Metro Schools Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

6 month Certificate Special

3.90% ▲ 1.13% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.13% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

6 Months Certificate

3.89% ▲ 1.12% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.12% above avg

Details

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

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

6 month Jumbo Certificate

$25,000

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

Term: 6 month Jumbo Certificate

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

6 Month Certificate of Deposit

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.08% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

6 Months Certificate

3.84% ▲ 1.07% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.07% above avg

Details

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

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 6 months

$1,000

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.03% above avg

Details

Balance: $100,000+

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

6 Month Term Share Certificates

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.03% above avg

Details

Reliance Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.81%

180 Day Certificates of Deposit and IRA's

3.79% ▲ 1.02% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.02% above avg

Details

First Western Bank & Trust

Institution Rating:

A-4.9 ★Texas Ratio: 16.15%

6 Month CD

3.78% ▲ 1.01% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.01% above avg

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

6 Month CD Special

3.78% ▲ 1.01% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.01% above avg

Details

Balance: $100,000+*

Community Bank Owatonna

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

6 Month CD

$5,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.98% above avg

Details

Minneapolis 12 Month CD Rates

National 12 Month CD Average2.95% APY▲ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

12 Month Certificate

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

12 Month (Moneywise Available) Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Moneywise Available

Sunrise Banks National Association

Institution Rating:

A5.0 ★Texas Ratio: 9.99%

525 Washington Ave N, Minneapolis, MN 55401

12 Month CD Term

$500

3.80% ▲ 0.85% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.85% above avg

Details

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 12 month

3.80% ▲ 0.85% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.85% above avg

Details

Available as an IRA

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

12 Month Certificate

$500

3.60% ▲ 0.65% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.65% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

1 year (12 Month) CD

3.55% ▲ 0.60% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.60% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 1 Year (12 Month) CD

3.55% ▲ 0.60% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.60% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

1 year (12 Month) CD

3.50% ▲ 0.55% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.55% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 1 Year (12 Month) CD

3.50% ▲ 0.55% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.55% above avg

Details

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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 12 Month Term

$1,000

3.35% ▲ 0.40% above national avg

View

▼

Rate3.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.40% above avg

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 12 Month Term

$1,000

3.25% ▲ 0.30% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.30% above avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 12 Month Term

$1,000

3.15% ▲ 0.20% above national avg

View

▼

Rate3.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.20% above avg

Details

Balance: $25,000 - $49,999.99

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

12 Months - Relationship

2.75% ▼ 0.20% below national avg

View

▼

Rate2.71%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 0.20% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 12 Month Term

$1,000

2.50% ▼ 0.45% below national avg

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▼ 0.45% below avg

Details

Balance: $1,000 - $24,999.99

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

12 Month Certificate of Deposit

$10,000

2.50% ▼ 0.45% below national avg

View

▼

Rate2.50%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▼ 0.45% below avg

Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties: 6 month loss of interest can be taken from principal

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

12 Month Certificate of Deposit

$1,000

2.40% ▼ 0.55% below national avg

View

▼

Rate2.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▼ 0.55% below avg

Details

Compounding and Crediting Frequency: Maturity; Early Withdrawal Penalties: 6 month loss of interest can be taken from principal

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

1 Year CD Special

$500

1.82% ▼ 1.13% below national avg

View

▼

Rate1.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.13% below avg

Details

$20,000 and more. Limited-time offer. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD.

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

1 Year CD Special

$500

1.77% ▼ 1.18% below national avg

View

▼

Rate1.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.18% below avg

Details

Under $19,999. Limited-time offer. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD.

Dacotah Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.94%

60 S 6th Street Suite 1275, Minneapolis, MN 55402

12 Month CD

$500

1.70% ▼ 1.25% below national avg

View

▼

Rate1.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.25% below avg

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

1 year Standard Interest Rate

$2,500

1.51% ▼ 1.44% below national avg

View

▼

Rate1.50%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.44% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

4141 Lyndale Ave N, Minneapolis, MN 55412

1 year Standard Fixed Rate

$2,500

1.50% ▼ 1.45% below national avg

View

▼

Rate1.49%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.45% below avg

Details

Relationship APY 1.51%. Early withdrawal penalties may apply.

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

12-month term

1.40% ▼ 1.55% below national avg

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.55% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 12-month term

1.40% ▼ 1.55% below national avg

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.55% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard IRA CDs - 12-month term

1.40% ▼ 1.55% below national avg

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.55% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

12-month term Regular

1.30% ▼ 1.65% below national avg

View

▼

Rate1.29%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 1.65% below avg

Details

Standard CDs

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

CERTIFICATE BUILDER - 12 month

$100

1.00% ▼ 1.95% below national avg

View

▼

Rate0.99%

Min Deposit$100

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▼ 1.95% below avg

Details

Available as an IRA

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

WAHOO CERTIFICATE - 12 month

1.00% ▼ 1.95% below national avg

View

▼

Rate0.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▼ 1.95% below avg

Details

Available as an IRA

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

12 Month Certificate

0.50% ▼ 2.45% below national avg

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 2.45% below avg

Details

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

12 Month Certificate of Deposit

4.63% ▲ 1.68% above national avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.68% above avg

Details

Balance: $35,000+

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

12 Month CD

$25,000

4.15% ▲ 1.20% above national avg

View

▼

Rate4.09%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.20% above avg

Details

Minimum Balance to Obtain APY: $25,000**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

12 Month Certificate

$25,000

4.15% ▲ 1.20% above national avg

View

▼

Rate4.09%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.20% above avg

Details

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

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

12-month IRA share certificate

4.11% ▲ 1.16% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.16% above avg

Details

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

12-month share certificate

4.11% ▲ 1.16% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.16% above avg

Details

Northridge Community Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 14.95%

12 Month IRA Certificate of Deposit

4.10% ▲ 1.15% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.15% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

12 Month Certificate of Deposit

4.06% ▲ 1.11% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.11% above avg

Details

Balance: $100,000 and over

Northridge Community Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 14.95%

12 Month Certificate of Deposit

4.06% ▲ 1.11% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.11% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

12 Month Term Share Certificates

4.06% ▲ 1.11% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.11% above avg

Details

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

12 Month Certificate

4.05% ▲ 1.10% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.10% above avg

Details

Balance: $100,000-$149,999

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

12 Month Certificate of Deposit

4.01% ▲ 1.06% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.06% above avg

Details

Balance: $40,000 - $99,999.99

Gateway Bank Mendota Heights, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.01%

12 Month CD

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

1 Year Certificates of Deposit

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

12 Months Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.05% above avg

Details

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

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

12 Month CD

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

12 Month Certificate

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Minimum balance to obtain APY is $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 12 Month

$25,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Sentry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12 Month Certificate

$10,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.05% above avg

Details

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

Sentry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12-Month CD

$10,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.05% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

12 Month Certificate of Deposit

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.05% above avg

Details

Minnesota First

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

12 Month Special Certificate of Deposit

$5,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Renewal Rate Term: 12 Months

United Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

1 Year Share Certificates (CDs)

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Minneapolis 18 Month CD Rates

National 18 Month CD Average2.82% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 18 month

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

18 Month Certificate

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.08% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

18-month term

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

IRA CD Specials - 18-month term

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

18 Month Certificate

$500

3.60% ▲ 0.78% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.78% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

18 Month CD

3.58% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.76% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 18 Month CD

3.58% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.76% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

18 Month CD

3.53% ▲ 0.71% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.71% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 18 Month CD

3.53% ▲ 0.71% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.71% above avg

Details

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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 18 Month Term

$1,000

3.03% ▲ 0.21% above national avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.21% above avg

Details

Balance: $25,000 - $49,999.99

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

18 Month CD Special

$500

1.92% ▼ 0.90% below national avg

View

▼

Rate1.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▼ 0.90% below avg

Details

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

18 Month CD Special

$500

1.87% ▼ 0.95% below national avg

View

▼

Rate1.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▼ 0.95% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 18 Month Term

$1,000

0.10% ▼ 2.72% below national avg

View

▼

Rate0.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▼ 2.72% below avg

Details

Balance: $1,000 - $24,999.99

Associated Healthcare Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.74%

18 Month CD Special

4.40% ▲ 1.58% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.58% above avg

Details

Special

FSB of Rosemount

Institution Rating:

F1.0 ★Texas Ratio: 43.05%

IRA/Roth IRA 18 Month+

$250

4.15% ▲ 1.33% above national avg

View

▼

Rate4.07%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.33% above avg

Details

Method of Compounding: Daily

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

18 Month Certificate of Deposit

4.15% ▲ 1.33% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.33% above avg

Details

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

18-month share certificate

4.11% ▲ 1.29% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.29% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 18 Month

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.28% above avg

Details

Falcon National Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.39%

18-Month CD

$500

4.10% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.28% above avg

Details

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

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

18 Month Certificate of Deposit

4.05% ▲ 1.23% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.23% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Jumbo and Jumbo IRA Certificates

4.01% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.19% above avg

Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

18 Month Certificates of Deposit

$500

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.18% above avg

Details

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

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

18 Month Certificate of Deposit

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.18% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month IRA Certificates

$500

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.14% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Term Certificates

$500

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.14% above avg

Details

Penalty for early withdrawal.

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month Certificate (new deposits)

3.95% ▲ 1.13% above national avg

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.13% above avg

Details

new deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month IRA Certificate (new deposits)

3.95% ▲ 1.13% above national avg

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.13% above avg

Details

IRA Certificate, new deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month Traditional & Roth IRA Certificate

$2,500

3.95% ▲ 1.13% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.13% above avg

Details

Term: 18 Months (new deposits)

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

3.90% ▲ 1.08% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.08% above avg

Details

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

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

18 Month Certificate of Deposit

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.08% above avg

Details

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month Certificate (current deposits)

3.90% ▲ 1.08% above national avg

View

▼

Rate3.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.08% above avg

Details

current deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month IRA Certificate (current deposits)

3.90% ▲ 1.08% above national avg

View

▼

Rate3.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.08% above avg

Details

IRA Certificate, current deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month Traditional & Roth IRA Certificate

$2,500

3.90% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.08% above avg

Details

Term: 18 Months (current deposits)

Heritage Bank Minnesota

Institution Rating:

A-4.4 ★Texas Ratio: 8.07%

18 Month Fixed CD

$250

3.85% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.03% above avg

Details

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

United Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

18 month IRA Share Certificate (CDs)

$1,000

3.85% ▲ 1.03% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.03% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 18 Month

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.98% above avg

Details

Bonanza Valley State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.59%

18 Month Certificate

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.98% above avg

Details

American State Bank of Grygla

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 MONTH CD

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.98% above avg

Details

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

18 Month Certificate

3.80% ▲ 0.98% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.98% above avg

Details

Balance: $100,000-$149,999

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

18 Month Jumbo Share Certificates

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.93% above avg

Details

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

18 Month Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.93% above avg

Details

Balance: $50,000-$99,999

United Prairie Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.42%

6 - 18 Month Choose your term certificate of deposit

$15,000

3.71% ▲ 0.89% above national avg

View

▼

Rate—

Min Deposit$15,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 0.89% above avg

Details

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

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

18 Month Certificate

3.70% ▲ 0.88% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.88% above avg

Details

Balance: $500-$24,999

Minnesota First

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

18 Month Certificate of Deposit

$500

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 0.83% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

18 Month Certificate

3.61% ▲ 0.79% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.79% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

IRA Certificate - 18 Months

3.61% ▲ 0.79% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.79% above avg

Details

First National Bank of Bemidji

Institution Rating:

A-5.0 ★Texas Ratio: 14.78%

18 Month Certificate

$25,000

3.56% ▲ 0.74% above national avg

View

▼

Rate3.51%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.74% above avg

Details

Balance: $25,000 and over

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

3.55% ▲ 0.73% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.73% above avg

Details

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

Riverview Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Month CD Specials

3.55% ▲ 0.73% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.73% above avg

Details

Minneapolis 24 Month CD Rates

National 24 Month CD Average2.84% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Variable Rate Certificate of Deposit 24 Month Term

$25,000

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.22% above avg

Details

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

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 24 month

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

24 Month Certificate

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.96% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

24 Month Certificate

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.91% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

24 Month Certificate

$500

3.65% ▲ 0.81% above national avg

View

▼

Rate3.60%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.81% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

2 Year (24 Month) CD

3.55% ▲ 0.71% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.71% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 2 Year (24 Month) CD

3.55% ▲ 0.71% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.71% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

2 Year (24 Month) CD

3.50% ▲ 0.66% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.66% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 2 Year (24 Month) CD

3.50% ▲ 0.66% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.66% above avg

Details

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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 24 Month Term

3.04% ▲ 0.20% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.20% above avg

Details

Balance: $25,000 - $49,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

24-month term

2.60% ▼ 0.24% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.24% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 24-month term

2.60% ▼ 0.24% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.24% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard IRA CDs - 24-month term

2.60% ▼ 0.24% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.24% below avg

Details

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

2 Year Step-Up Rate Certificate

2.50% ▼ 0.34% below national avg

View

▼

Rate2.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 0.34% below avg

Details

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

24 Month Certificate of Deposit

$10,000

2.50% ▼ 0.34% below national avg

View

▼

Rate2.50%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.34% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 6 month loss of interest can be taken from principal

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

24 Month Certificate of Deposit

$1,000

2.40% ▼ 0.44% below national avg

View

▼

Rate2.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.44% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 6 month loss of interest can be taken from principal

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

24-month term Regular

2.34% ▼ 0.50% below national avg

View

▼

Rate2.32%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.50% below avg

Details

Standard CDs

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

2 Year CD Special

$500

2.12% ▼ 0.72% below national avg

View

▼

Rate2.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.72% below avg

Details

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

2 Year CD Special

$500

2.07% ▼ 0.77% below national avg

View

▼

Rate2.05%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▼ 0.77% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 24 Month Term

0.10% ▼ 2.74% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 2.74% below avg

Details

Balance: $1,000 - $24,999.99

First Independent Bank Russell, MN

Institution Rating:

A+5.0 ★Texas Ratio: 1.00%

24-Month CD

$5,000

4.32% ▲ 1.48% above national avg

View

▼

Rate4.25%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.48% above avg

Details

Fixed

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

24-month IRA share certificate

4.27% ▲ 1.43% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.43% above avg

Details

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

24-month share certificate

4.27% ▲ 1.43% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.43% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24 Month CD

$25,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.14%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.36% above avg

Details

Minimum Balance to Obtain APY: $25,000**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24 Month Certificate

$25,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.14%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.36% above avg

Details

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

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 24 Month

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.31% above avg

Details

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

2 Year Certificates of Deposit

$500

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.31% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

24 Month Term Share Certificates

4.11% ▲ 1.27% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.27% above avg

Details

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

24 Month Certificate of Deposit

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.22% above avg

Details

Balance: $35,000+

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24 Month CD

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.99%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.21% above avg

Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24 Month Certificate

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.99%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.21% above avg

Details

Minimum balance to obtain APY is $500**

First Western Bank & Trust

Institution Rating:

A-4.9 ★Texas Ratio: 16.15%

24 Month CD

4.00% ▲ 1.16% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 24 Month

$25,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

24 Month Certificate of Deposit

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Pioneer Bank Mapleton, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.59%

24 Month Certificate of Deposit

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

24 month Jumbo Certificate

$25,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.95%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Term: 24 month Jumbo Certificate

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

24 Month Term Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

IRA Term Share Certificates-Traditional & Roth - 2 Year

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

24 Month Share Certificate Special

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

24 Month Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

24 Month IRA

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.12% above avg

Details

Balance: $100,000 and over

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

24 Month Certificate of Deposit

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.11% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.91% ▲ 1.07% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.07% above avg

Details

Balance: $40,000 - $99,999.99

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 24 Month

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.01% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

24 Months Certificate

3.85% ▲ 1.01% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

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

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

Balance: $10,000 - $39,999.99

Sentry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

24 Month Certificate

$10,000

3.85% ▲ 1.01% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

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

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

24 month Certificate

$500

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.01% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

24 month IRA Certificate

$500

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.01% above avg

Details

Term: 24 month IRA Certificate

Minneapolis 36 Month CD Rates

National 36 Month CD Average2.76% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 36 month

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Available as an IRA

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

36 Month Certificate

$500

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.04% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

36 Month Certificate

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

36 Month Certificate

$500

3.65% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.89% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

3 Year (36 Month) CD

3.55% ▲ 0.79% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.79% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 3 Year (36 Month) CD

3.55% ▲ 0.79% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.79% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

3 Year (36 Month) CD

3.50% ▲ 0.74% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.74% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 3 Year (36 Month) CD

3.50% ▲ 0.74% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.74% above avg

Details

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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 36 Month Term

2.83% ▲ 0.07% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.07% above avg

Details

Balance: $100,000 and over

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

36-month term

2.75% ▼ 0.01% below national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.01% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 36-month term

2.75% ▼ 0.01% below national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.01% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard IRA CDs - 36-month term

2.75% ▼ 0.01% below national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.01% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 36 Month Term

2.73% ▼ 0.03% below national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 0.03% below avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 36 Month Term

2.63% ▼ 0.13% below national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 0.13% below avg

Details

Balance: $25,000 - $49,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

36-month term Regular

2.49% ▼ 0.27% below national avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.27% below avg

Details

Standard CDs

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

3 Year Step-Up Rate Certificate

2.40% ▼ 0.36% below national avg

View

▼

Rate2.38%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 0.36% below avg

Details

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

36 Month Certificate of Deposit

$10,000

2.40% ▼ 0.36% below national avg

View

▼

Rate2.40%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▼ 0.36% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

36 Month Certificate of Deposit

$1,000

2.30% ▼ 0.46% below national avg

View

▼

Rate2.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▼ 0.46% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

3 Year CD Special

$500

2.22% ▼ 0.54% below national avg

View

▼

Rate2.20%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.54% below avg

Details

Latvian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

3152 17th Ave S, Minneapolis, MN 55407

3 Year CD Special

$500

2.17% ▼ 0.59% below national avg

View

▼

Rate2.15%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.59% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 36 Month Term

0.10% ▼ 2.66% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 2.66% below avg

Details

Balance: $1,000 - $24,999.99

Mid Minnesota Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.31%

36 Month Fast Forward Term Share Certificate

$10

4.49% ▲ 1.73% above national avg

View

▼

Rate—

Min Deposit$10

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.73% above avg

Details

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

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

3 Year Certificates of Deposit

$500

4.25% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.49% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36 Month CD

$25,000

4.25% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.49% above avg

Details

Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36 Month Certificate

$25,000

4.25% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.49% above avg

Details

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

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.22% ▲ 1.46% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.46% above avg

Details

Balance: $100,000 and over

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 36 Month

4.20% ▲ 1.44% above national avg

View

▼

Rate4.14%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.44% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.16% ▲ 1.40% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.40% above avg

Details

Balance: $40,000 - $99,999.99

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

36 Month Term Share Certificates

4.16% ▲ 1.40% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.40% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.11% ▲ 1.35% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.35% above avg

Details

Balance: $10,000 - $39,999.99

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36 Month CD

$500

4.10% ▲ 1.34% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.34% above avg

Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36 Month Certificate

$500

4.10% ▲ 1.34% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.34% above avg

Details

Minimum balance to obtain APY is $500**

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month Jumbo Certificate

$25,000

4.10% ▲ 1.34% above national avg

View

▼

Rate4.04%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.34% above avg

Details

Term: 36 month Jumbo Certificate

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.30% above avg

Details

Balance: $500

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year Jumbo and Jumbo IRA Certificates

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.30% above avg

Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year IRA Certificates

$500

4.01% ▲ 1.25% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.25% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year Term Certificates

$500

4.01% ▲ 1.25% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.25% above avg

Details

Penalty for early withdrawal.

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 36 Month

$25,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

36 Month Certificate of Deposit

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.24% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month Certificate

$500

3.95% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month IRA Certificate

$500

3.95% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

Term: 36 month IRA Certificate

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month Step-Up CD

$1,000

3.95% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

36 Months Certificate

3.85% ▲ 1.09% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.09% above avg

Details

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

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

36 Months Certificate

3.80% ▲ 1.04% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.04% above avg

Details

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

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

36 Month Certificate of Deposit

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.04% above avg

Details

Balance: $35,000+

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 3 years

$1,000

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.04% above avg

Details

Balance: $100,000+

Sentry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

36 Month Certificate

$10,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.99% above avg

Details

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

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 3 years

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.99% above avg

Details

Balance: $25,000.00 - $49,999.99

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

36 Month Term Share Certificates

3.75% ▲ 0.99% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

IRA Term Share Certificates-Traditional & Roth - 3 Year

3.75% ▲ 0.99% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

Minneapolis 48 Month CD Rates

National 48 Month CD Average2.77% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 48 month

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

48 Month Certificate

$500

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.08% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

48 Month Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

48 Month Certificate

$500

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.93% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

48-month term

2.90% ▲ 0.13% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.13% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 48-month term

2.90% ▲ 0.13% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.13% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard IRA CDs - 48-month term

2.90% ▲ 0.13% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.13% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 48 Month Term

2.83% ▲ 0.06% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.06% above avg

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 48 Month Term

2.73% ▼ 0.04% below national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▼ 0.04% below avg

Details

Balance: $50,000 - $99,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

48-month term Regular

2.64% ▼ 0.13% below national avg

View

▼

Rate2.61%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 0.13% below avg

Details

Standard CDs

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 48 Month Term

2.63% ▼ 0.14% below national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▼ 0.14% below avg

Details

Balance: $25,000 - $49,999.99

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

901 3rd Avenue South, Minneapolis, MN 55402

4 Year Step-Up Rate Certificate

2.40% ▼ 0.37% below national avg

View

▼

Rate2.38%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 0.37% below avg

Details

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

48 Month Certificate of Deposit

$10,000

2.30% ▼ 0.47% below national avg

View

▼

Rate2.30%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▼ 0.47% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

48 Month Certificate of Deposit

$1,000

2.20% ▼ 0.57% below national avg

View

▼

Rate2.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▼ 0.57% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 48 Month Term

0.10% ▼ 2.67% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▼ 2.67% below avg

Details

Balance: $1,000 - $24,999.99

Cornerstone State Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.12%

IRA 36-48 month C.D.

$500

4.55% ▲ 1.78% above national avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.78% above avg

Details

Balance: $75,000 to $199,999.99

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48 Month CD

$25,000

4.35% ▲ 1.58% above national avg

View

▼

Rate4.28%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.58% above avg

Details

Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48 Month Certificate

$25,000

4.35% ▲ 1.58% above national avg

View

▼

Rate4.28%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.58% above avg

Details

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

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 48 Month

4.25% ▲ 1.48% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.48% above avg

Details

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4 Year Certificates of Deposit

$500

4.25% ▲ 1.48% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.48% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

48 Month Term Share Certificates

4.21% ▲ 1.44% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.44% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48 Month CD

$500

4.20% ▲ 1.43% above national avg

View

▼

Rate4.14%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.43% above avg

Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48 Month Certificate

$500

4.20% ▲ 1.43% above national avg

View

▼

Rate4.14%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.43% above avg

Details

Minimum balance to obtain APY is $500**

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year Jumbo and Jumbo IRA Certificates

4.09% ▲ 1.32% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.32% above avg

Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.29% above avg

Details

Balance: $100,000 and over

Cornerstone State Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.12%

IRA 36-48 month C.D.

$500

4.04% ▲ 1.27% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.27% above avg

Details

Balance: $25,000 to $74,999.99

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year IRA Certificates

$500

4.04% ▲ 1.27% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.27% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year Term Certificates

$500

4.04% ▲ 1.27% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.27% above avg

Details

Penalty for early withdrawal.

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

4.01% ▲ 1.24% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.24% above avg

Details

Balance: $40,000 - $99,999.99

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 48 Month

$25,000

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.23% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

48 Month Certificate of Deposit

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.23% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

3.96% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.19% above avg

Details

Balance: $10,000 - $39,999.99

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

3.91% ▲ 1.14% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.14% above avg

Details

Balance: $500

Northern Communities Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.95%

48-month Share Certificate

$1,000

3.80% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.03% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

48 Month Share & IRA Certificates

$25,000

3.77% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.00% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 48 Month

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

48 Month Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

IRA Certificate - 48 Months

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 4 years

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $1,000.00+

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

48 Month Term Share Certificates

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

IRA Term Share Certificates-Traditional & Roth - 4 Year

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

48 Month Certificate of Deposit

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

48 Month Share & IRA Certificates

$10,000

3.67% ▲ 0.90% above national avg

View

▼

Rate3.60%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.90% above avg

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

4 Year Relationship CD

3.65% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.88% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

48 Month Certificate of Deposit

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.88% above avg

Details

First National Bank of Bemidji

Institution Rating:

A-5.0 ★Texas Ratio: 14.78%

4 Year Certificate

$25,000

3.64% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.87% above avg

Details

Balance: $25,000 and over

Currie State Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.00%

48-Month CD

$500

3.60% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.83% above avg

Details

First State Bank of Bigfork

Institution Rating:

F2.9 ★Texas Ratio: 40.48%

48 Month Certificates of Deposit (CDs)

3.60% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.83% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

48 Month Jumbo Share Certificates

3.60% ▲ 0.83% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.83% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

Traditional/Roth IRA Share Certificates - 48 Month

3.60% ▲ 0.83% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.83% above avg

Details

Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $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.

Minneapolis 60 Month CD Rates

National 60 Month CD Average2.84% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

2520 University Ave SE, Minneapolis, MN 55414

BASIC CERTIFICATES - 60 month

4.25% ▲ 1.41% above national avg

View

▼

Rate4.17%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.41% above avg

Details

Available as an IRA

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

60 Month Certificate

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

2523 South Wayzata Boulevard, Minneapolis, MN 55405

60 Month Certificate

$500

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.91% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2817 Lyndale Ave S, Minneapolis, MN 55408

60 Month Certificate

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.91% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

5 Year (60 Month) CD

3.55% ▲ 0.71% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.71% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 5 Year (60 Month) CD

3.55% ▲ 0.71% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.71% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

5 Year (60 Month) CD

3.50% ▲ 0.66% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.66% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

40 S 7th St, Minneapolis, MN 55402

Business 5 Year (60 Month) CD

3.50% ▲ 0.66% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.66% above avg

Details

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

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

60-month term

3.10% ▲ 0.26% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.26% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard CDs - 60-month term

3.10% ▲ 0.26% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.26% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

Standard IRA CDs - 60-month term

3.10% ▲ 0.26% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.26% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

1000 Nicollet Mall, Minneapolis, MN 55403

60-month term Regular

2.84% At national avg

View

▼

Rate2.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%At the average

Details

Standard CDs

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 60 Month Term

$1,000

2.83% ▼ 0.01% below national avg

View

▼

Rate2.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 0.01% below avg

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 60 Month Term

$1,000

2.73% ▼ 0.11% below national avg

View

▼

Rate2.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 0.11% below avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 60 Month Term

$1,000

2.63% ▼ 0.21% below national avg

View

▼

Rate2.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 0.21% below avg

Details

Balance: $25,000 - $49,999.99

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

60 Month Certificate of Deposit

$10,000

2.20% ▼ 0.64% below national avg

View

▼

Rate2.20%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.64% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

77 Broadway St Ne, Minneapolis, MN 55413

60 Month Certificate of Deposit

$1,000

2.10% ▼ 0.74% below national avg

View

▼

Rate2.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.74% below avg

Details

Compounding and Crediting Frequency: Annually & at Maturity; Early Withdrawal Penalties: 12 month loss of interest can be taken from principal

Dacotah Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.94%

60 S 6th Street Suite 1275, Minneapolis, MN 55402

24-36-48-60 month CD

$500

1.75% ▼ 1.09% below national avg

View

▼

Rate1.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.09% below avg

Details

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

60 Month CD

$500

1.25% ▼ 1.59% below national avg

View

▼

Rate1.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.59% below avg

Details

Balance: $100,000.-$249,999.; Interest Rate with checking account*: 3.00%; Annual Percentage Yield: 3.00%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

60 Month CD

$500

1.20% ▼ 1.64% below national avg

View

▼

Rate1.20%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.64% below avg

Details

Balance: $25,000.00 - $99,999.99; Interest Rate with checking account*: 2.50%; Annual Percentage Yield: 2.50%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

60 Month CD

$500

1.10% ▼ 1.74% below national avg

View

▼

Rate1.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.74% below avg

Details

Balance: $10,000.00 - $24,999.99; Interest Rate with checking account*: 2.25%; Annual Percentage Yield: 2.25%

North American Banking Co.

Institution Rating:

A4.8 ★Texas Ratio: 4.61%

4999 France Avenue, Minneapolis, MN 55410

60 Month CD

$500

1.00% ▼ 1.84% below national avg

View

▼

Rate1.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.84% below avg

Details

Balance: $500.00 - $9,999.99; Interest Rate with checking account*: 2.00%; Annual Percentage Yield: 2.00%

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

7825 Washington Ave S, Minneapolis, MN 55439

Certificate of Deposit 60 Month Term

$1,000

0.10% ▼ 2.74% below national avg

View

▼

Rate0.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 2.74% below avg

Details

Balance: $1,000 - $24,999.99

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60 Month CD

$25,000

4.40% ▲ 1.56% above national avg

View

▼

Rate4.33%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.56% above avg

Details

Minimum Balance to Obtain APY: $25,000

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60 Month Certificate

$25,000

4.40% ▲ 1.56% above national avg

View

▼

Rate4.33%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.56% above avg

Details

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

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 60 Month

4.35% ▲ 1.51% above national avg

View

▼

Rate4.28%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.51% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

60 Month Term Share Certificates

4.31% ▲ 1.47% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.47% above avg

Details

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

5 Year Certificates of Deposit

$500

4.30% ▲ 1.46% above national avg

View

▼

Rate4.23%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.46% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60 Month CD

$500

4.25% ▲ 1.41% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.41% above avg

Details

Minimum Balance to Obtain APY: $500**

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60 Month Certificate

$500

4.25% ▲ 1.41% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.41% above avg

Details

Minimum balance to obtain APY is $500**

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Jumbo and Jumbo IRA Certificates

4.08% ▲ 1.24% above national avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.24% above avg

Details

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Farm Credit Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

60 Month Share Certificate

$1,000

4.07% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.23% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.22% above avg

Details

Balance: $100,000 and over

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year IRA Certificates

$500

4.03% ▲ 1.19% above national avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.19% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Term Certificates

$500

4.03% ▲ 1.19% above national avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.19% above avg

Details

Penalty for early withdrawal.

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

4.01% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.17% above avg

Details

Balance: $40,000 - $99,999.99

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 12, 24, 36, 48, or 60 Month

$25,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Term: 12, 24, 36, 48, or 60 Month; One GREAT Rate!

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

Limited Time CD Offer! 60 Month

$25,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

60 Month Certificate of Deposit

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Associated Healthcare Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.74%

60 Month Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

60 Month IRA Share Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

60 Month Share Certificates

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.12% above avg

Details

Balance: $10,000 - $39,999.99

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

60 Month Certificate of Deposit

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.11% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

3.91% ▲ 1.07% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.07% above avg

Details

Balance: $500

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

60 Month Share & IRA Certificates

$25,000

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.03% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 60 Month

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.01% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

60 Month Certificate of Deposit

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.01% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

60 Month Share & IRA Certificates

$10,000

3.77% ▲ 0.93% above national avg

View

▼

Rate3.70%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.93% above avg

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

5 Year Relationship CD

3.75% ▲ 0.91% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.91% above avg

Details

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Minneapolis, Minnesota Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates

MidCountry Bank

Variable Rate Certificate of Deposit 24 Month Term

A+ 5.0 ★ TX: 5.95%

Min: $25,000

4.06%

Luminate Bank

12 Month Certificate

B- 4.3 ★ TX: 23.75%

Min: $500

4.00%

Sunrise Banks National Association

12 Month CD Term

A 5.0 ★ TX: 9.99%

Min: $500

3.80%

Bell Bank

3 Month (91 Day) CD

A 5.0 ★ TX: 8.15%

Min: $0

3.60%

Ameriprise Financial

3 Month AmeripriseInstallment Certificate

B+ 3.8 ★ TX: 0.33%

Min: $0

3.00%

CU Top 5 Credit Union Rates

Affinity Plus Federal Credit Union

BASIC CERTIFICATES - 60 month

A+ 5.0 ★ TX: 4.47%

Min: $0

4.25%

TruStone Financial Credit Union

12 Month (Moneywise Available) Certificate

A+ 5.0 ★ TX: 4.88%

Min: $0

4.00%

Baxter Credit Union

18-month term

A 5.0 ★ TX: 6.20%

Min: $0

3.65%

Latvian Credit Union

3 Year CD Special

A+ 5.0 ★ TX: 5.91%

Min: $500

2.22%

Metropolitan Services Credit Union

6 Month NEW Youth CD

A+ 5.0 ★ TX: 0.00%

Min: $500

8.00%

Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Minneapolis, MN CD Rate Trends

Compare local Minneapolis, 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

2.952%

▲ 0.030 vs 7 days ago

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

6-Month CD MN Avg

2.767%

▲ 0.021 vs 7 days ago

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

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

MN CD Rate Forecast, Next 12 Months

Where are Minnesota CD rates headed through September 2027?

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

MN 12-Month Avg APY

2.952%

6-Month Forecast

2.952%

Range: 2.75% – 3.10%

12-Month Forecast

3.202%

Range: 3.00% – 3.35%

What Your Savings Earn at MN CD Rates Today

Annual interest earnings at today’s Minnesota average APYs. State average used where available; national average as fallback.

CD Term	MN Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	2.065%	$103.23	$206.46	$516.15	$1,032.30
6-Month CD	2.767%	$138.33	$276.65	$691.63	$1,383.25
12-Month CD	2.952%	$147.58	$295.15	$737.88	$1,475.75
18-Month CD	2.818%	$140.91	$281.82	$704.55	$1,409.10
24-Month CD	2.841%	$142.07	$284.14	$710.35	$1,420.70
36-Month CD	2.765%	$138.25	$276.49	$691.23	$1,382.45
48-Month CD	2.770%	$138.48	$276.97	$692.43	$1,384.85
60-Month CD	2.844%	$142.22	$284.44	$711.10	$1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Minneapolis, Minnesota Savers

$25,000 split equally across 5 terms using today’s Minnesota average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder

Rung	Term	Deposit	MN Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.065%	$103.23
2	6-Month CD	$5,000	2.767%	$138.33
3	12-Month CD	$5,000	2.952%	$147.58
4	24-Month CD	$5,000	2.841%	$142.07
5	36-Month CD	$5,000	2.765%	$138.25
Total ($25,000 invested)		$25,000	2.678% blended	$669.46/yr

Ladder example uses equal $5,000 rungs and Minnesota average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,365

CD Rates
Tracked in Minneapolis, Minnesota

72 Banks 38 Credit Unions

About Our Minneapolis, Minnesota CD Rate Database

MonitorBankRates tracks 1,365 CD rates from 72 banks and 38 credit unions with locations in Minneapolis, 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: Affinity Plus Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Minneapolis, Minnesota.

How to Find the Best CD Rates in Minneapolis, Minnesota

What to compare when shopping for a CD in Minneapolis, Minnesota

To find the best APYs in Minneapolis, Minnesota, start with credit unions and online-only banks: Minneapolis, Minnesota has 38 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 Minneapolis, 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 Minneapolis, Minnesota: 110 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Minneapolis, Minnesota savings rates instead
Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
You want check-writing access. Compare Minneapolis, Minnesota money market rates

Minneapolis, Minnesota Financial Snapshot

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

Population 65+

11.4%

National avg: 17.3%

Median Individual Earnings

$48,032

National avg: $47,340

Poverty Rate

16.0%

National avg: 11.1%

Unemployment Rate

5.9%

National avg: 4.8%

CD Earnings on 10% of Salary

$142/yr

At MN 12-mo avg 2.952% APY

11.4% of residents are 65 or older, below the national average of 17.3%. At today’s MN 12-month CD average of 2.952%, saving 10% of the local median salary ($4,803/year) and putting it in a CD would earn an additional $142 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 Minneapolis, Minnesota

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

How Certificates of Deposit Work in Minneapolis, Minnesota

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Minneapolis, Minnesota typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Minneapolis, Minnesota as everywhere in the U.S.

Choosing a CD Term in Minneapolis, Minnesota

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Minneapolis, Minnesota savers easier access to their funds. For example, TruStone Financial Credit Union is offering its 6 Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Affinity Plus Federal Credit Union is offering its BASIC CERTIFICATES - 60 month at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Minneapolis, Minnesota Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Minneapolis, Minnesota saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Minneapolis, Minnesota

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Minneapolis, Minnesota CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Minneapolis, Minnesota

Most CDs carry a fixed rate that is locked for the entire term, protecting a Minneapolis, Minnesota depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Minneapolis, Minnesota

Are CD rates in Minneapolis, Minnesota FDIC insured?

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

Here are recent top rates found for this area:

Affinity Plus Federal Credit Union: 4.25% APY (BASIC CERTIFICATES - 60 month)
MidCountry Bank: 4.06% APY (Variable Rate Certificate of Deposit 24 Month Term)
Luminate Bank: 4.00% APY (12 Month Certificate)
TruStone Financial Credit Union: 4.00% APY (12 Month (Moneywise Available) Certificate)
Sunrise Banks National Association: 3.80% APY (12 Month CD Term)
Baxter Credit Union: 3.65% APY (18-month term)
Bell Bank: 3.60% APY (3 Month (91 Day) CD)
Ameriprise Financial: 3.00% APY (3 Month AmeripriseInstallment Certificate)
Northeast Bank: 2.50% APY (12 Month Certificate of Deposit)
Latvian Credit Union: 2.22% APY (3 Year CD Special)

Rates reflect recent verified offers available in Minneapolis, Minnesota. Last Updated: September 22, 2026

Minneapolis, Minnesota CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Minneapolis, Minnesota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Minneapolis, Minnesota CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Minneapolis, Minnesota. Averages shown use the Minnesota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Minneapolis, Minnesota

Minneapolis, Minnesota CD Calculator

At today’s MN top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Minneapolis, Minnesota CD Ladder

MN CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Minneapolis, Minnesota CD at 4.25% 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 Savings

Minnesota’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Minneapolis, Minnesota CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Minneapolis, Minnesota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Minneapolis, Minnesota. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MN.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026