What are the best CD rates in Minnetonka, Minnesota?

Here are recent top rates found for this area: CorTrust Bank : 4.30% APY (5 Year Certificates of Deposit) MidCountry Bank : 4.06% APY (Variable Rate Certificate of Deposit 24 Month Term) Baxter Credit Union : 3.65% APY (18-month term) Minnwest Bank : 2.87% APY (6 Month Digital CD) Wells Fargo : 1.51% APY (1 year Standard Interest Rate) Highland Bank : 1.40% APY (12 Month Certificate) Metropolitan Services Credit Union : 8.00% APY (6 Month NEW Youth CD) PSB of Plainview : 4.63% APY (12 Month Certificate of Deposit) Cornerstone State Bank : 4.55% APY (IRA 36-48 month C.D.) Mid Minnesota Federal Credit Union : 4.49% APY (36 Month Fast Forward Term Share Certificate)

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.

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iAdvertiser Disclosure CD Rate Trends

Minnetonka, 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 Minnetonka, 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 Minnetonka, Minnesota CD rates include CorTrust BankCorTrust Bank4625 County Highway 101, Minnetonka, MN 55345A+5.0 ★Texas Ratio: 5.11%Real return: +1.50%APY minus CPI (February 2026) offering 5 Year Certificates of Deposit at 4.30% APY, MidCountry BankMidCountry Bank14617 Highway 7, Minnetonka, MN 55345A+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, Baxter Credit UnionBaxter Credit Union9800 Health Care Ln, Minnetonka, MN 55343A5.0 ★Texas Ratio: 6.20%Real return: +0.85%APY minus CPI (February 2026) offering 18-month term at 3.65% APY, Minnwest BankMinnwest Bank14820 Highway 7, Minnetonka, MN 55345A+5.0 ★Texas Ratio: 5.83%Real return: +0.07%APY minus CPI (February 2026) offering 6 Month Digital CD at 2.87% APY, and Wells FargoWells Fargo1809 Plymouth Rd, Minnetonka, MN 55305A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Interest Rate at 1.51% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Minnetonka has 72 local institutions in our database, with CD rates as high as 4.30% APY from CorTrust Bank at 4625 County Highway 101, Minnetonka, MN 55345. 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 Minnetonka, Minnesota & the Surrounding Area

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

Minnetonka 3 Month CD Rates

National 3 Month CD Average2.06% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

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%

9800 Health Care Ln, Minnetonka, MN 55343

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

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

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

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1809 Plymouth Rd, Minnetonka, MN 55305

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%

1809 Plymouth Rd, Minnetonka, MN 55305

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

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

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%

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%

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

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

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%

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

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

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

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%

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

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

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

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

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

Ameriprise Financial

Institution Rating:

B+3.8 ★Texas Ratio: 0.33%

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

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

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

3 Month Traditional & Roth IRA Certificate

$2,500

2.50% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.44% above avg

Details

Northeast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

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%

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

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

3 Month Certificate

2.05% ▼ 0.01% below national avg

View

▼

Rate2.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 0.01% below avg

Details

Balance: $150,000+

New Market Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month Certificates of Deposit

2.02% ▼ 0.04% below national avg

View

▼

Rate2.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.04% below avg

Details

Security Bank Minnesota

Institution Rating:

B+4.8 ★Texas Ratio: 16.94%

3 Month Certificates of Deposit

2.02% ▼ 0.04% below national avg

View

▼

Rate2.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.04% below avg

Details

Balance: $25,000 and over

FNB of Moose Lake

Institution Rating:

A+5.0 ★Texas Ratio: 0.52%

3 Month CD

$1,000

2.01% ▼ 0.05% below national avg

View

▼

Rate2.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.05% below avg

Details

Early Withdrawal Penalty: 1 month

First Pace Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month Youth Certificate of Deposit

$25

2.01% ▼ 0.05% below national avg

View

▼

Rate2.00%

Min Deposit$25

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▼ 0.05% below avg

Details

$5000 maximum

North Memorial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.20%

3 Month Share Certificate

2.00% ▼ 0.06% below national avg

View

▼

Rate1.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▼ 0.06% below avg

Details

Security Bank Minnesota

Institution Rating:

B+4.8 ★Texas Ratio: 16.94%

3 Month Certificates of Deposit

1.96% ▼ 0.10% below national avg

View

▼

Rate1.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.10% below avg

Details

Balance: $10,000 - $24,999.99

Minnetonka 6 Month CD Rates

National 6 Month CD Average2.76% 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%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 6 Month Term

3.13% ▲ 0.37% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.37% above avg

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 6 Month Term

3.03% ▲ 0.27% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.27% above avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 6 Month Term

2.93% ▲ 0.17% above national avg

View

▼

Rate2.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.17% above avg

Details

Balance: $25,000 - $49,999.99

Minnwest Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.83%

14820 Highway 7, Minnetonka, MN 55345

6 Month Digital CD

$1,000

2.87% ▲ 0.11% above national avg

View

▼

Rate2.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.11% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 6 Month Term

2.52% ▼ 0.24% below national avg

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 0.24% below avg

Details

Balance: $1,000 - $24,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

6-month term

1.35% ▼ 1.41% below national avg

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 1.41% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard CDs - 6-month term

1.35% ▼ 1.41% below national avg

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 1.41% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

6-month term Regular

1.25% ▼ 1.51% below national avg

View

▼

Rate1.24%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 1.51% below avg

Details

Standard CDs

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1809 Plymouth Rd, Minnetonka, MN 55305

6 month Standard Interest Rate

$2,500

0.06% ▼ 2.70% below national avg

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 2.70% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1809 Plymouth Rd, Minnetonka, MN 55305

6 month Standard Fixed Rate

$2,500

0.05% ▼ 2.71% below national avg

View

▼

Rate0.05%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 2.71% 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% ▲ 5.24% above national avg

View

▼

Rate8.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 5.24% 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% ▲ 1.55% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.55% above avg

Details

Forward Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

6 Month CD

$500

4.25% ▲ 1.49% above national avg

View

▼

Rate4.19%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.49% 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% ▲ 1.40% above national avg

View

▼

Rate4.10%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.40% 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% ▲ 1.40% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.40% above avg

Details

Expedition Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

6 Month FlexRate

4.06% ▲ 1.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.30% above avg

Details

PROMO

Expedition Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

6-Month Certificate

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

Promotion!

Crow Wing Power Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.06%

6-Month CD

$1,000

4.05% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.29% 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% ▲ 1.24% above national avg

View

▼

Rate3.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% above avg

Details

Falcon National Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.39%

6-Month CD

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.24% 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% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.24% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

6 Month Certificate

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

6 Month Certificate of Deposit

3.95% ▲ 1.19% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.19% above avg

Details

West Metro Schools Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

6 month Certificate Special

3.90% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

6 Months Certificate

3.89% ▲ 1.13% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.13% 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% ▲ 1.09% above national avg

View

▼

Rate3.80%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.09% 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% ▲ 1.09% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.09% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

6 Months Certificate

3.84% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.08% 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% ▲ 1.04% 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+

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

6 Month Term Share Certificates

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.04% above avg

Details

Reliance Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.81%

180 Day Certificates of Deposit and IRA's

3.79% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.03% above avg

Details

First Western Bank & Trust

Institution Rating:

A-4.9 ★Texas Ratio: 16.15%

6 Month CD

3.78% ▲ 1.02% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.02% above avg

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

6 Month CD Special

3.78% ▲ 1.02% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.02% 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% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.99% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 6 months

$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

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month Certificate (new deposits)

3.75% ▲ 0.99% above national avg

View

▼

Rate3.71%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

new deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month IRA Certificate (new deposits)

3.75% ▲ 0.99% above national avg

View

▼

Rate3.71%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

IRA Certificate, new deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month Traditional & Roth IRA Certificate

$2,500

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.99% above avg

Details

Term: 6 Months (new deposits)

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

6 MONTH CERTIFICATE

$500

3.70% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.94% above avg

Details

One time NO PENALTY withdrawal.

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 6 months

$1,000

3.70% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.94% above avg

Details

Balance: $10,000.00 - $24,999.99

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

6 Month Certificate of Deposit

3.70% ▲ 0.94% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month Certificate (current deposits)

3.70% ▲ 0.94% above national avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

current deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month IRA Certificate (current deposits)

3.70% ▲ 0.94% above national avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

IRA Certificate, current deposits

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

6 Month Traditional & Roth IRA Certificate

$2,500

3.70% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

Term: 6 Months (current deposits)

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

6 Month Business Share Certificate

3.70% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

Balance: $1,000 - $9,999

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

6 Month Share Certificate

3.70% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

Balance: $1,000 - $9,999

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

6 Month CD Special

3.68% ▲ 0.92% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.92% above avg

Details

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

United Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6 Month Share Certificates (CDs)

$1,000

3.68% ▲ 0.92% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.92% above avg

Details

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 6 month

3.65% ▲ 0.89% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.89% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 6 months

$1,000

3.65% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.89% above avg

Details

Balance: $1,000.00 - $9,999.99

Minnetonka 12 Month CD Rates

National 12 Month CD Average2.95% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

1 Year Certificates of Deposit

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

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%

14617 Highway 7, Minnetonka, MN 55345

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%

14617 Highway 7, Minnetonka, MN 55345

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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

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

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1809 Plymouth Rd, Minnetonka, MN 55305

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%

1809 Plymouth Rd, Minnetonka, MN 55305

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.

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

12 Month Certificate

1.40% ▼ 1.55% below national avg

View

▼

Rate1.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▼ 1.55% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

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%

9800 Health Care Ln, Minnetonka, MN 55343

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%

9800 Health Care Ln, Minnetonka, MN 55343

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%

9800 Health Care Ln, Minnetonka, MN 55343

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

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

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

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

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

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

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

1 Year Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

12 Month Term Share Certificates

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

IRA Term Share Certificates-Traditional & Roth - 1 Year

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1 Year Youth Flex 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

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

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

12 Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Balance: $50,000-$99,999

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

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

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

12 Month 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

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

12 Month IRA

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

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

12 Month Certificate of Deposit

3.96% ▲ 1.01% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.01% above avg

Details

Balance: $10,000 - $39,999.99

Heritage Bank Minnesota

Institution Rating:

A-4.4 ★Texas Ratio: 8.07%

12 Month Fixed CD

$250

3.96% ▲ 1.01% above national avg

View

▼

Rate3.90%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.01% above avg

Details

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

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

12 month Jumbo Certificate

$25,000

3.95% ▲ 1.00% above national avg

View

▼

Rate3.90%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.00% above avg

Details

Term: 12 month Jumbo Certificate

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

12 Month Certificate of Deposit

3.95% ▲ 1.00% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.00% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

12 Month Certificate of Deposit

3.91% ▲ 0.96% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.96% above avg

Details

Balance: $500

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 1 year

$1,000

3.91% ▲ 0.96% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.96% above avg

Details

Balance: $100,000+

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

12 Months Certificate

3.90% ▲ 0.95% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.95% above avg

Details

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

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

12 Month Certificate

3.90% ▲ 0.95% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.95% above avg

Details

Balance: $500-$24,999

Minnetonka 18 Month CD Rates

National 18 Month CD Average2.81% APY▼ 0.04% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

18 Month Certificates of Deposit

$500

4.00% ▲ 1.19% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.19% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

18-month term

3.65% ▲ 0.84% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.84% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

IRA CD Specials - 18-month term

3.65% ▲ 0.84% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.84% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 18 Month Term

$1,000

3.03% ▲ 0.22% above national avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 0.22% above avg

Details

Balance: $25,000 - $49,999.99

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

18 Month Certificate

1.15% ▼ 1.66% below national avg

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▼ 1.66% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 18 Month Term

$1,000

0.10% ▼ 2.71% below national avg

View

▼

Rate0.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▼ 2.71% 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% ▲ 1.59% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.59% above avg

Details

Special

FSB of Rosemount

Institution Rating:

F1.0 ★Texas Ratio: 43.05%

IRA/Roth IRA 18 Month+

$250

4.15% ▲ 1.34% above national avg

View

▼

Rate4.07%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.34% 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% ▲ 1.34% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.34% above avg

Details

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

18-month share certificate

4.11% ▲ 1.30% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.30% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 18 Month

4.10% ▲ 1.29% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.29% above avg

Details

Falcon National Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.39%

18-Month CD

$500

4.10% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.29% 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% ▲ 1.24% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.24% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Jumbo and Jumbo IRA Certificates

4.01% ▲ 1.20% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.20% above avg

Details

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

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

4.00% ▲ 1.19% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.19% 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% ▲ 1.19% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 1.19% above avg

Details

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 18 month

4.00% ▲ 1.19% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.19% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month IRA Certificates

$500

3.96% ▲ 1.15% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.15% 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% ▲ 1.15% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.15% 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% ▲ 1.14% above national avg

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.14% 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% ▲ 1.14% above national avg

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.14% 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% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.14% above avg

Details

Term: 18 Months (new deposits)

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

3.90% ▲ 1.09% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.09% above avg

Details

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

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

18 Month Certificate

$500

3.90% ▲ 1.09% above national avg

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.09% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

18 Month Certificate of Deposit

3.90% ▲ 1.09% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.09% above avg

Details

Southpoint Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

18 Month Certificate (current deposits)

3.90% ▲ 1.09% above national avg

View

▼

Rate3.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.09% 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% ▲ 1.09% above national avg

View

▼

Rate3.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.09% 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% ▲ 1.09% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.09% 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% ▲ 1.04% above national avg

View

▼

Rate3.80%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 1.04% 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% ▲ 1.04% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.04% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 18 Month

3.80% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 0.99% above avg

Details

Bonanza Valley State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.59%

18 Month Certificate

3.80% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.99% above avg

Details

American State Bank of Grygla

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 MONTH CD

3.80% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.99% above avg

Details

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

18 Month Certificate

3.80% ▲ 0.99% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.99% 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% ▲ 0.94% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.94% above avg

Details

Magnifi Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

18 Month Certificate

3.75% ▲ 0.94% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.94% 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% ▲ 0.90% above national avg

View

▼

Rate—

Min Deposit$15,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▲ 0.90% 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% ▲ 0.89% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.89% 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% ▲ 0.84% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▲ 0.84% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

18 Month Certificate

3.61% ▲ 0.80% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.80% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

IRA Certificate - 18 Months

3.61% ▲ 0.80% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.80% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

18 Month Certificate

$500

3.60% ▲ 0.79% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.79% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

18 Month CD

3.58% ▲ 0.77% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 0.77% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

Business 18 Month CD

3.58% ▲ 0.77% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 0.77% above avg

Details

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

First National Bank of Bemidji

Institution Rating:

A-5.0 ★Texas Ratio: 14.78%

18 Month Certificate

$25,000

3.56% ▲ 0.75% above national avg

View

▼

Rate3.51%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 0.75% above avg

Details

Balance: $25,000 and over

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

18 Months Certificate

3.55% ▲ 0.74% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 0.74% 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% ▲ 0.74% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.74% above avg

Details

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

18 Month CD

3.53% ▲ 0.72% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 0.72% above avg

Details

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

Bell Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.15%

Business 18 Month CD

3.53% ▲ 0.72% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 0.72% above avg

Details

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

Metropolitan Services Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Month Certificates of Deposit

$2,000

3.51% ▲ 0.70% above national avg

View

▼

Rate3.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.70% above avg

Details

Minnetonka 24 Month CD Rates

National 24 Month CD Average2.83% APY▼ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

2 Year Certificates of Deposit

$500

4.15% ▲ 1.32% above national avg

View

▼

Rate4.09%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.32% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Variable Rate Certificate of Deposit 24 Month Term

$25,000

4.06% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.23% 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.

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 24 Month Term

3.04% ▲ 0.21% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.21% above avg

Details

Balance: $25,000 - $49,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

24-month term

2.60% ▼ 0.23% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.23% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard CDs - 24-month term

2.60% ▼ 0.23% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.23% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard IRA CDs - 24-month term

2.60% ▼ 0.23% below national avg

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.23% below avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

24-month term Regular

2.34% ▼ 0.49% below national avg

View

▼

Rate2.32%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.49% below avg

Details

Standard CDs

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

24 Month Certificate

1.25% ▼ 1.58% below national avg

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▼ 1.58% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 24 Month Term

0.10% ▼ 2.73% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 2.73% 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% ▲ 1.49% above national avg

View

▼

Rate4.25%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 1.49% above avg

Details

Fixed

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

24-month IRA share certificate

4.27% ▲ 1.44% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.44% above avg

Details

Brainerd BN Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

24-month share certificate

4.27% ▲ 1.44% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.44% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24 Month CD

$25,000

4.20% ▲ 1.37% above national avg

View

▼

Rate4.14%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.37% 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% ▲ 1.37% above national avg

View

▼

Rate4.14%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.37% 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% ▲ 1.32% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.32% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

24 Month Term Share Certificates

4.11% ▲ 1.28% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.28% above avg

Details

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

24 Month Certificate of Deposit

4.06% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.23% 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% ▲ 1.22% above national avg

View

▼

Rate3.99%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.22% 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% ▲ 1.22% above national avg

View

▼

Rate3.99%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.22% 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% ▲ 1.17% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.17% 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% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

24 Month Certificate of Deposit

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 1.17% above avg

Details

Pioneer Bank Mapleton, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.59%

24 Month Certificate of Deposit

$500

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 1.17% 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% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.17% above avg

Details

Term: 24 month Jumbo Certificate

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 24 month

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.17% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

24 Month Term Share Certificates

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% 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% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

24 Month Share Certificate Special

4.00% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

24 Month Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

TopLine Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

24 Month IRA

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.96% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.13% 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% ▲ 1.12% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.12% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.91% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.08% 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% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.02% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

24 Months Certificate

3.85% ▲ 1.02% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.02% 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% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.02% 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% ▲ 1.02% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.02% 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% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.02% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

24 month IRA Certificate

$500

3.85% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.02% above avg

Details

Term: 24 month IRA Certificate

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

24 month Step-Up CD

$1,000

3.85% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.02% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

24 Month Certificate of Deposit

3.85% ▲ 1.02% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.02% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year Jumbo and Jumbo IRA Certificates

3.84% ▲ 1.01% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.01% above avg

Details

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

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

24 Months Certificate

3.80% ▲ 0.97% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.97% above avg

Details

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

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

24 Month Certificate of Deposit

3.80% ▲ 0.97% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.97% above avg

Details

Balance: $500

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

24 Month Certificate

$500

3.80% ▲ 0.97% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.97% above avg

Details

Heritage Bank Minnesota

Institution Rating:

A-4.4 ★Texas Ratio: 8.07%

24 Month Fixed CD

$250

3.80% ▲ 0.97% above national avg

View

▼

Rate3.75%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.97% above avg

Details

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

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 2 years

$1,000

3.80% ▲ 0.97% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.97% above avg

Details

Balance: $100,000+

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year IRA Certificates

$500

3.79% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.96% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year Term Certificates

$500

3.79% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.96% above avg

Details

Penalty for early withdrawal.

State Bank of Faribault

Institution Rating:

A5.0 ★Texas Ratio: 11.55%

24 Month Certificate Special

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.92% above avg

Details

Minnetonka 36 Month CD Rates

National 36 Month CD Average2.75% APY▼ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

3 Year Certificates of Deposit

$500

4.25% ▲ 1.50% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.50% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 36 Month Term

2.83% ▲ 0.08% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 0.08% above avg

Details

Balance: $100,000 and over

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

36-month term

2.75% At national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%At the average

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard CDs - 36-month term

2.75% At national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%At the average

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard IRA CDs - 36-month term

2.75% At national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%At the average

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 36 Month Term

2.73% ▼ 0.02% below national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▼ 0.02% below avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 36 Month Term

2.63% ▼ 0.12% below national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▼ 0.12% below avg

Details

Balance: $25,000 - $49,999.99

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

36-month term Regular

2.49% ▼ 0.26% below national avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▼ 0.26% below avg

Details

Standard CDs

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

36 Month Certificate

1.25% ▼ 1.50% below national avg

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▼ 1.50% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 36 Month Term

0.10% ▼ 2.65% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▼ 2.65% 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% ▲ 1.74% above national avg

View

▼

Rate—

Min Deposit$10

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.74% above avg

Details

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

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36 Month CD

$25,000

4.25% ▲ 1.50% above national avg

View

▼

Rate4.18%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.50% 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% ▲ 1.50% above national avg

View

▼

Rate4.18%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.50% 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% ▲ 1.47% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.47% 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% ▲ 1.45% above national avg

View

▼

Rate4.14%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.45% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.16% ▲ 1.41% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.41% 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% ▲ 1.41% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.41% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

36 Month Certificate of Deposit

4.11% ▲ 1.36% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.36% 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% ▲ 1.35% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.35% 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% ▲ 1.35% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.35% 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% ▲ 1.35% above national avg

View

▼

Rate4.04%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.35% 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% ▲ 1.31% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.31% 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% ▲ 1.31% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.31% 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% ▲ 1.26% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.26% 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% ▲ 1.26% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.26% 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% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.25% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

36 Month Certificate of Deposit

4.00% ▲ 1.25% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 36 month

4.00% ▲ 1.25% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.25% above avg

Details

Available as an IRA

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month Certificate

$500

3.95% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.20% above avg

Details

Toro Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.11%

36 month IRA Certificate

$500

3.95% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.20% 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% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.20% above avg

Details

BankVista

Institution Rating:

B4.5 ★Texas Ratio: 20.46%

36 Months Certificate

3.85% ▲ 1.10% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.10% 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% ▲ 1.05% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.05% 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% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.05% above avg

Details

Balance: $35,000+

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

36 Month Certificate

$500

3.80% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.05% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 3 years

$1,000

3.80% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.05% above avg

Details

Balance: $100,000+

Sentry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

36 Month Certificate

$10,000

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.00% 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% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.00% 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% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% 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% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

36 Month Jumbo Share Certificates

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

36 Month Share Certificates with Rate Bump Option - Jumbo

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

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

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

Traditional/Roth IRA Share Certificates - 36 Month

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Jumbo Dividend Rate: 3.690%, Jumbo APY: 3.75%. 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.

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

36 Month Certificate of Deposit

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Northern Communities Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.95%

36-month Share Certificate

$1,000

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Northern Communities Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.95%

36-month Youth Share Certificate

$250

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

36 Month Certificate

3.75% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.00% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 36 Month

3.70% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 0.95% above avg

Details

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

36 Month Certificate of Deposit

3.70% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 0.95% above avg

Details

Balance: $10,000 - $34,999.99

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

36 Months Certificate

3.70% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 0.95% above avg

Details

Balance: $10,000 - $34,999.99

Minnetonka 48 Month CD Rates

National 48 Month CD Average2.76% APY▼ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

4 Year Certificates of Deposit

$500

4.25% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.49% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

48-month term

2.90% ▲ 0.14% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.14% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard CDs - 48-month term

2.90% ▲ 0.14% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.14% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard IRA CDs - 48-month term

2.90% ▲ 0.14% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.14% above avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 48 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

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 48 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

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

48-month term Regular

2.64% ▼ 0.12% below national avg

View

▼

Rate2.61%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 0.12% below avg

Details

Standard CDs

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 48 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

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

48 Month Certificate

1.25% ▼ 1.51% below national avg

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▼ 1.51% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 48 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

Cornerstone State Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.12%

IRA 36-48 month C.D.

$500

4.55% ▲ 1.79% above national avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.79% 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% ▲ 1.59% above national avg

View

▼

Rate4.28%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.59% 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% ▲ 1.59% above national avg

View

▼

Rate4.28%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.59% 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% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.49% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

48 Month Term Share Certificates

4.21% ▲ 1.45% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.45% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48 Month CD

$500

4.20% ▲ 1.44% above national avg

View

▼

Rate4.14%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.44% 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% ▲ 1.44% above national avg

View

▼

Rate4.14%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.44% 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% ▲ 1.33% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.33% 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% ▲ 1.30% 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: $100,000 and over

Cornerstone State Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.12%

IRA 36-48 month C.D.

$500

4.04% ▲ 1.28% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.28% 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% ▲ 1.28% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.28% 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% ▲ 1.28% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.28% above avg

Details

Penalty for early withdrawal.

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

4.01% ▲ 1.25% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.25% 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% ▲ 1.24% 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%

48 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

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 48 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

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

48 Month Certificate of Deposit

3.96% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.20% 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% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.15% above avg

Details

Balance: $500

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

48 Month Certificate

$500

3.85% ▲ 1.09% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.09% above avg

Details

Northern Communities Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.95%

48-month Share Certificate

$1,000

3.80% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.04% 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% ▲ 1.01% above national avg

View

▼

Rate3.70%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.01% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 48 Month

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.99% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

48 Month Certificate

3.75% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

IRA Certificate - 48 Months

3.75% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 4 years

$1,000

3.75% ▲ 0.99% 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: $1,000.00+

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

48 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 - 4 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

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

48 Month Certificate of Deposit

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

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

48 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%

48 Month Certificate

$500

3.70% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% 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% ▲ 0.91% above national avg

View

▼

Rate3.60%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.91% above avg

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

4 Year Relationship CD

3.65% ▲ 0.89% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.89% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

48 Month Certificate of Deposit

3.65% ▲ 0.89% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.89% above avg

Details

First National Bank of Bemidji

Institution Rating:

A-5.0 ★Texas Ratio: 14.78%

4 Year Certificate

$25,000

3.64% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.88% 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% ▲ 0.84% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.84% above avg

Details

First State Bank of Bigfork

Institution Rating:

F2.9 ★Texas Ratio: 40.48%

48 Month Certificates of Deposit (CDs)

3.60% ▲ 0.84% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.84% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

48 Month Jumbo Share Certificates

3.60% ▲ 0.84% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.84% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

Traditional/Roth IRA Share Certificates - 48 Month

3.60% ▲ 0.84% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.84% 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.

Farm Credit Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

48 Month Share Certificate

$1,000

3.56% ▲ 0.80% above national avg

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.80% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

48 Month Share & IRA Certificates

$500

3.56% ▲ 0.80% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.80% above avg

Details

Minnetonka 60 Month CD Rates

National 60 Month CD Average2.83% APY▼ 0.05% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

CorTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.11%

4625 County Highway 101, Minnetonka, MN 55345

5 Year Certificates of Deposit

$500

4.30% ▲ 1.47% above national avg

View

▼

Rate4.23%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.47% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

60-month term

3.10% ▲ 0.27% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.27% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard CDs - 60-month term

3.10% ▲ 0.27% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.27% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

Standard IRA CDs - 60-month term

3.10% ▲ 0.27% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.27% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

9800 Health Care Ln, Minnetonka, MN 55343

60-month term Regular

2.84% ▲ 0.01% above national avg

View

▼

Rate2.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.01% above avg

Details

Standard CDs

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 60 Month Term

$1,000

2.83% At national avg

View

▼

Rate2.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%At the average

Details

Balance: $100,000 and over

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 60 Month Term

$1,000

2.73% ▼ 0.10% below national avg

View

▼

Rate2.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 0.10% below avg

Details

Balance: $50,000 - $99,999.99

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 60 Month Term

$1,000

2.63% ▼ 0.20% below national avg

View

▼

Rate2.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 0.20% below avg

Details

Balance: $25,000 - $49,999.99

Highland Bank

Institution Rating:

C+4.1 ★Texas Ratio: 26.29%

1700 Plymouth Rd, Minnetonka, MN 55305

60 Month Certificate

1.25% ▼ 1.58% below national avg

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▼ 1.58% below avg

Details

MidCountry Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.95%

14617 Highway 7, Minnetonka, MN 55345

Certificate of Deposit 60 Month Term

$1,000

0.10% ▼ 2.73% below national avg

View

▼

Rate0.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 2.73% 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% ▲ 1.57% above national avg

View

▼

Rate4.33%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.57% 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% ▲ 1.57% above national avg

View

▼

Rate4.33%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.57% 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% ▲ 1.52% above national avg

View

▼

Rate4.28%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.52% above avg

Details

Federated Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

60 Month Term Share Certificates

4.31% ▲ 1.48% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.48% above avg

Details

Midwest Bank Detroit Lakes, MN

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60 Month CD

$500

4.25% ▲ 1.42% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.42% 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% ▲ 1.42% above national avg

View

▼

Rate4.18%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.42% above avg

Details

Minimum balance to obtain APY is $500**

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

BASIC CERTIFICATES - 60 month

4.25% ▲ 1.42% above national avg

View

▼

Rate4.17%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.42% above avg

Details

Available as an IRA

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Jumbo and Jumbo IRA Certificates

4.08% ▲ 1.25% above national avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.25% 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% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.24% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

4.06% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.23% 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% ▲ 1.20% above national avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.20% 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% ▲ 1.20% above national avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.20% above avg

Details

Penalty for early withdrawal.

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

4.01% ▲ 1.18% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.18% 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% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% 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% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

VisionBank Saint Louis Park, MN

Institution Rating:

B4.4 ★Texas Ratio: 21.92%

60 Month Certificate of Deposit

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 1.17% above avg

Details

Associated Healthcare Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.74%

60 Month Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.17% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

60 Month IRA Share Certificate

$500

4.00% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Centricity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

60 Month Share Certificates

$500

4.00% ▲ 1.17% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

3.96% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.13% 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% ▲ 1.12% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.12% above avg

Details

Foresight Bank

Institution Rating:

D3.6 ★Texas Ratio: 32.34%

60 Month Certificate of Deposit

3.91% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.08% above avg

Details

Balance: $500

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

60 Month Certificate

$500

3.90% ▲ 1.07% above national avg

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.07% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

60 Month Share & IRA Certificates

$25,000

3.87% ▲ 1.04% above national avg

View

▼

Rate3.80%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.04% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 60 Month

3.85% ▲ 1.02% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.02% above avg

Details

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

60 Month Certificate of Deposit

3.85% ▲ 1.02% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.02% 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% ▲ 0.94% above national avg

View

▼

Rate3.70%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.94% above avg

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.77%

5 Year Relationship CD

3.75% ▲ 0.92% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.92% above avg

Details

Luminate Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.75%

60 Month Certificate

$500

3.75% ▲ 0.92% above national avg

View

▼

Rate3.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.92% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

60 Month Certificate

3.75% ▲ 0.92% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Drake Bank

Institution Rating:

F1.0 ★Texas Ratio: 77.33%

IRA Certificate - 60 Months

3.75% ▲ 0.92% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

60 Month Term Share Certificates

3.75% ▲ 0.92% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.92% above avg

Details

Greater Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

IRA Term Share Certificates-Traditional & Roth - 5 Year

3.75% ▲ 0.92% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.92% above avg

Details

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

60 Month Certificate

3.75% ▲ 0.92% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.92% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 5 years

$1,000

3.70% ▲ 0.87% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.87% above avg

Details

Balance: $1,000.00+

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

60 Month Jumbo Share Certificates

3.70% ▲ 0.87% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.87% above avg

Details

Ashland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.04%

Traditional/Roth IRA Share Certificates - 60 Month

3.70% ▲ 0.87% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.87% above avg

Details

Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%. 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.

First Alliance Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

60 Month Certificate of Deposit

3.70% ▲ 0.87% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.87% above avg

Details

My Credit Union Bloomington, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.72%

60 Month Share & IRA Certificates

$500

3.67% ▲ 0.84% above national avg

View

▼

Rate3.60%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.84% above avg

Details

First National Bank of Bemidji

Institution Rating:

A-5.0 ★Texas Ratio: 14.78%

5 Year Certificate

$25,000

3.65% ▲ 0.82% above national avg

View

▼

Rate3.60%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 0.82% above avg

Details

Balance: $25,000 and over

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 Minnetonka, Minnesota Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates

CorTrust Bank

5 Year Certificates of Deposit

A+ 5.0 ★ TX: 5.11%

Min: $500

4.30%

MidCountry Bank

Variable Rate Certificate of Deposit 24 Month Term

A+ 5.0 ★ TX: 5.95%

Min: $25,000

4.06%

Minnwest Bank

6 Month Digital CD

A+ 5.0 ★ TX: 5.83%

Min: $1,000

2.87%

Wells Fargo

1 year Standard Interest Rate

A 5.0 ★ TX: 6.32%

Min: $2,500

1.51%

Highland Bank

12 Month Certificate

C+ 4.1 ★ TX: 26.29%

Min: $0

1.40%

CU Top 5 Credit Union Rates

Baxter Credit Union

18-month term

A 5.0 ★ TX: 6.20%

Min: $0

3.65%

Metropolitan Services Credit Union

6 Month NEW Youth CD

A+ 5.0 ★ TX: 0.00%

Min: $500

8.00%

Mid Minnesota Federal Credit Union

36 Month Fast Forward Term Share Certificate

A+ 5.0 ★ TX: 3.31%

Min: $10

4.49%

Associated Healthcare Credit Union

18 Month CD Special

A+ 5.0 ★ TX: 2.74%

Min: $0

4.40%

Northridge Community Credit Union

6 Month Certificate of Deposit

A- 5.0 ★ TX: 14.95%

Min: $0

4.31%

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

Minnetonka, MN CD Rate Trends

Compare local Minnetonka, 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

2.945%

▲ 0.004 vs 7 days ago

Minnesota 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.

6-Month CD MN Avg

2.760%

Unchanged vs 7 days ago

Minnesota 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.

As of Sep 23, 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

2.945%

6-Month Forecast

2.945%

Range: 2.75% – 3.10%

12-Month Forecast

3.195%

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	2.055%	$102.77	$205.54	$513.85	$1,027.70
6-Month CD	2.760%	$137.99	$275.97	$689.93	$1,379.85
12-Month CD	2.945%	$147.27	$294.54	$736.35	$1,472.70
18-Month CD	2.813%	$140.67	$281.33	$703.32	$1,406.65
24-Month CD	2.833%	$141.64	$283.27	$708.18	$1,416.35
36-Month CD	2.754%	$137.68	$275.36	$688.40	$1,376.80
48-Month CD	2.759%	$137.97	$275.93	$689.82	$1,379.65
60-Month CD	2.834%	$141.70	$283.39	$708.48	$1,416.95
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 Minnetonka, 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	2.055%	$102.77
2	6-Month CD	$5,000	2.760%	$137.99
3	12-Month CD	$5,000	2.945%	$147.27
4	24-Month CD	$5,000	2.833%	$141.64
5	36-Month CD	$5,000	2.754%	$137.68
Total ($25,000 invested)		$25,000	2.669% blended	$667.35/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.

1,336

CD Rates
Tracked in Minnetonka, Minnesota

74 Banks 39 Credit Unions

About Our Minnetonka, Minnesota CD Rate Database

MonitorBankRates tracks 1,336 CD rates from 74 banks and 39 credit unions with locations in Minnetonka, 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: CorTrust Bank offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Minnetonka, Minnesota.

How to Find the Best CD Rates in Minnetonka, Minnesota

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

To find the best APYs in Minnetonka, Minnesota, start with credit unions and online-only banks: Minnetonka, Minnesota has 39 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 Minnetonka, 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 Minnetonka, Minnesota: 113 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Minnetonka, 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 Minnetonka, Minnesota money market rates

Minnetonka, Minnesota Financial Snapshot

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

Population 65+

22.8%

National avg: 17.3%

Median Individual Earnings

$70,259

National avg: $47,340

Poverty Rate

5.9%

National avg: 11.1%

Unemployment Rate

3.0%

National avg: 4.8%

CD Earnings on 10% of Salary

$207/yr

At MN 12-mo avg 2.945% APY

22.8% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.0% reflects a strong local economy. At today’s MN 12-month CD average of 2.945%, saving 10% of the local median salary ($7,025/year) and putting it in a CD would earn an additional $207 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, Minnesota as everywhere in the U.S.

Choosing a CD Term in Minnetonka, 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 Minnetonka, Minnesota savers easier access to their funds. For example, MidCountry Bank is offering its Certificate of Deposit 6 Month Term at 3.13% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CorTrust Bank is offering its 5 Year Certificates of Deposit at 4.30% 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, Minnesota

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

Are CD rates in Minnetonka, Minnesota FDIC insured?

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

Here are recent top rates found for this area:

CorTrust Bank: 4.30% APY (5 Year Certificates of Deposit)
MidCountry Bank: 4.06% APY (Variable Rate Certificate of Deposit 24 Month Term)
Baxter Credit Union: 3.65% APY (18-month term)
Minnwest Bank: 2.87% APY (6 Month Digital CD)
Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
Highland Bank: 1.40% APY (12 Month Certificate)
Metropolitan Services Credit Union: 8.00% APY (6 Month NEW Youth CD)
PSB of Plainview: 4.63% APY (12 Month Certificate of Deposit)
Cornerstone State Bank: 4.55% APY (IRA 36-48 month C.D.)
Mid Minnesota Federal Credit Union: 4.49% APY (36 Month Fast Forward Term Share Certificate)

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

Minnetonka, 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, Minnesota. Averages shown use the Minnesota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Minnetonka, Minnesota

Minnetonka, Minnesota CD Calculator

At today’s MN top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.

Minnetonka, Minnesota CD Ladder

MN CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Minnetonka, Minnesota CD at 4.30% 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 2.945% 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 Minnetonka, 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 Minnetonka, 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 Minnetonka, 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