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CD Rate Trends

North Dakota Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

North Dakota CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current North Dakota CD rates include Dakota Community Bank & TrustDakota Community Bank & Trust2284 3rd St W, Dickinson, ND 58601A+5.0 ★Texas Ratio: 0.58%Real return: +2.20%APY minus CPI (February 2026) offering 24 MONTH CD at 5.00% APY, North Star Community Credit UnionNorth Star Community Credit Union109 Central Ave N, Maddock, ND 58348A5.0 ★Texas Ratio: 13.82%Real return: +1.70%APY minus CPI (February 2026) offering Youth 18 Month at 4.50% APY, Dakota Plains Credit UnionDakota Plains Credit Union212 5th Ave, Edgeley, ND 58433A5.0 ★Texas Ratio: 6.34%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month IRA CD at 4.50% APY, Empeople Credit UnionEmpeople Credit Union1441 44th ST N, Fargo, ND 58102 2854A+5.0 ★Texas Ratio: 5.75%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month Certificate at 4.40% APY, and Kirkwood Bank & Trust Co.Kirkwood Bank & Trust Co.2911 N 14th St, Bismarck, ND 58503A+5.0 ★Texas Ratio: 0.00%Real return: +1.57%APY minus CPI (February 2026) offering 18 Month IRA CD at 4.37% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in North Dakota side-by-side. North Dakota CD rates currently reach as high as 5.00% APY from Dakota Community Bank & Trust at 2284 3rd St W, Dickinson, ND 58601. 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: October 13, 2026

Compare Best CD Rates in North Dakota

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North Dakota 3 Month CD Rates

MonitorBankRates North Dakota Average · 3 Month CD2.54% APY▲ 0.02% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in North Dakota is 2.54% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$500,000
4.27% ▲ 1.73% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 1.73% above avgNationally 2.09%
Details

Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
3.46%4.12%4.77%Sep 8, 2026: 3.96% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYSep 27, 2026: 4.27% APYSep 8, 2026Oct 13, 2026
  • Sep 27, 20264.27%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 3.96%
  • Sep 8, 20263.96%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
3 Month Certificate
$0
3.80% ▲ 1.26% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 1.26% above avgNationally 2.09%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$99,000
3.75% ▲ 1.21% above North Dakota avg
View
▼
Rate3.70%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 1.21% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 8, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 8, 2026: 3.55% APYSep 18, 2026: 3.85% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.75%▼ from 3.85%
  • Sep 18, 20263.85%▲ from 3.55%
  • Sep 8, 20263.55%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
3 Month Certificate
$5,000
3.75% ▲ 1.21% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▲ 1.21% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
3 Month Certificate
$0
3.70% ▲ 1.16% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 1.16% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Vue Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
818 E Main Ave, Bismarck, ND 58501 4526
3 Month Certificate of Deposit
$0
3.65% ▲ 1.11% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▲ 1.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
3 Month (91 Day) CD
$0
3.60% ▲ 1.06% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 1.06% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
3 Month Certificate
$0
3.60% ▲ 1.06% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 1.06% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
3 Month (91 Day) CD
$0
3.55% ▲ 1.01% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 1.01% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
3 Month Certificate of Deposit
$0
3.55% ▲ 1.01% above North Dakota avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▲ 1.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
3 Month Relationship CD
$0
3.40% ▲ 0.86% above North Dakota avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
3 Month CD
$500
3.34% ▲ 0.80% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average2.54%▲ 0.80% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.34% ▲ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 14, 2026: 3.24% APYSep 24, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.34%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
3 Month Certificate
$500
3.29% ▲ 0.75% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 0.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 3 months
$1,000
3.29% ▲ 0.75% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▲ 0.75% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 90 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 14, 2026: 3.04% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
3 Month Business Share Certificate
$0
3.25% ▲ 0.71% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.71% above avgNationally 2.09%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
3 Month Share & IRA Certificate
$0
3.25% ▲ 0.71% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.71% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
3 Month Share Certificate
$500
3.25% ▲ 0.71% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.71% above avgNationally 2.09%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
3 Month Certificate
$500
3.25% ▲ 0.71% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.71% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$70,000
3.24% ▲ 0.70% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.70% above avgNationally 2.09%
Details

Rate History
1 change since Sep 8, 2026 · 3.34% → 3.24% ▼ 0.10 pts · high 3.34% / low 3.24%
2.74%3.29%3.84%Sep 8, 2026: 3.34% APYOct 2, 2026: 3.24% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.24%▼ from 3.34%
  • Sep 8, 20263.34%first recorded
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
3 Month Certificate
$500
3.19% ▲ 0.65% above North Dakota avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 0.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$500
3.03% ▲ 0.49% above North Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 9 times
2.53%3.03%3.53%Sep 8, 2026: 3.03% APYSep 8, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
3 Month Certificate of Deposit
$1,000
3.03% ▲ 0.49% above North Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▲ 0.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.03% APY · checked 8 times
2.53%3.03%3.53%Sep 8, 2026: 3.03% APYSep 8, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
3 Month (90 Day) CD
$0
2.90% ▲ 0.36% above North Dakota avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▲ 0.36% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
3 Month Standard Certificate
$500
2.75% ▲ 0.21% above North Dakota avg
View
▼
Rate2.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▲ 0.21% above avgNationally 2.09%
Details

Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
3 Month Certificate
$150,000
2.05% ▼ 0.49% below North Dakota avg
View
▼
Rate2.03%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 0.49% below avgNationally 2.09%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
3 Month Certificate
$100,000
1.95% ▼ 0.59% below North Dakota avg
View
▼
Rate1.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 0.59% below avgNationally 2.09%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 4 times
1.45%1.95%2.45%Sep 14, 2026: 1.95% APYSep 14, 2026Oct 13, 2026
American State Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
223 Main St, Williston, ND 58801
3 Month Certificate
$500
1.90% ▼ 0.64% below North Dakota avg
View
▼
Rate1.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average2.54%▼ 0.64% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 7, 2026: 1.90% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
3 Month Certificate
$50,000
1.90% ▼ 0.64% below North Dakota avg
View
▼
Rate1.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 0.64% below avgNationally 2.09%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 4 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
3 Month Certificate
$25,000
1.85% ▼ 0.69% below North Dakota avg
View
▼
Rate1.83%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 0.69% below avgNationally 2.09%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 4 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
3 Month Certificate
$500
1.80% ▼ 0.74% below North Dakota avg
View
▼
Rate1.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 0.74% below avgNationally 2.09%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
3 Month Certificate
$0
1.50% ▼ 1.04% below North Dakota avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▼ 1.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 3 Month
$0
0.90% ▼ 1.64% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▼ 1.64% below avgNationally 2.09%
Details

Balance: $50,000+

Rate History
No change since Oct 9, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 9, 2026: 0.90% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 3 Month
$0
0.80% ▼ 1.74% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▼ 1.74% below avgNationally 2.09%
Details

Balance: $25,000 to $49,999

Rate History
No change since Oct 9, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 9, 2026: 0.80% APYOct 9, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
15 Main St Se, Bowbells, ND 58721
3 Month CD
$0
0.70% ▼ 1.84% below North Dakota avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▼ 1.84% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.70% APY · checked 5 times
0.20%0.70%1.20%Sep 24, 2026: 0.70% APYSep 24, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 3 Month
$0
0.70% ▼ 1.84% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▼ 1.84% below avgNationally 2.09%
Details

Balance: $10,000 to $24,999

Rate History
No change since Oct 9, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 9, 2026: 0.70% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 3 Month
$0
0.60% ▼ 1.94% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average2.54%▼ 1.94% below avgNationally 2.09%
Details

Balance: $500 to $9,999

Rate History
No change since Oct 9, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 9, 2026: 0.60% APYOct 9, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
3 Month Share Certificate
$0
0.50% ▼ 2.04% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average2.54%▼ 2.04% below avgNationally 2.09%
Details

Balance: $25,000+

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
3 Month Share Certificate
$0
0.40% ▼ 2.14% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average2.54%▼ 2.14% below avgNationally 2.09%
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
3 Month Share Certificate
$0
0.30% ▼ 2.24% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average2.54%▼ 2.24% below avgNationally 2.09%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 3 Month
$25,000
0.15% ▼ 2.39% below North Dakota avg
View
▼
Rate0.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 2.39% below avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 3 Month
$250
0.10% ▼ 2.44% below North Dakota avg
View
▼
Rate0.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 2.44% below avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 6, 2026: 0.10% APYOct 6, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
400 E Broadway Ave, Bismarck, ND 58501
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.48% below North Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▼ 2.48% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
400 E Broadway Ave, Bismarck, ND 58501
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.48% below North Dakota avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▼ 2.48% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
400 E Broadway Ave, Bismarck, ND 58501
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.49% below North Dakota avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
3 Month IRA Certificates
$0
0.05% ▼ 2.49% below North Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
3 Month Standard CD
$0
0.05% ▼ 2.49% below North Dakota avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

North Dakota 6 Month CD Rates

MonitorBankRates North Dakota Average · 6 Month CD3.37% APY▲ 0.02% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in North Dakota is 3.37% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$500,000
4.35% ▲ 0.98% above North Dakota avg
View
▼
Rate4.30%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.98% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 8, 2026 · 4.14% → 4.35% ▲ 0.21 pts · high 4.45% / low 4.14%
3.64%4.30%4.95%Sep 8, 2026: 4.14% APYSep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYOct 7, 2026: 4.35% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.35%▼ from 4.45%
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%▲ from 4.14%
  • Sep 8, 20264.14%first recorded
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
Certificate of Deposit - 6-Month Special
$0
4.15% ▲ 0.78% above North Dakota avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$99,000
4.14% ▲ 0.77% above North Dakota avg
View
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.77% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 8, 2026 · 3.94% → 4.14% ▲ 0.20 pts · high 4.14% / low 3.94%
3.44%4.04%4.64%Sep 8, 2026: 3.94% APYSep 18, 2026: 4.04% APYOct 2, 2026: 4.14% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.14%▲ from 4.04%
  • Sep 18, 20264.04%▲ from 3.94%
  • Sep 8, 20263.94%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
6 Month Certificate
$500
4.11% ▲ 0.74% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.74% above avgNationally 2.78%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 4.11% ▲ 0.46 pts · high 4.11% / low 3.65%
3.15%3.88%4.61%Sep 27, 2026: 3.65% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
6 Month Certificate
$500
4.10% ▲ 0.73% above North Dakota avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.73% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
6 Month Business Share Certificate
$0
4.00% ▲ 0.63% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
6 Month Share & IRA Certificate
$0
4.00% ▲ 0.63% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
6 Month Share Certificate
$250
4.00% ▲ 0.63% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
6-Month CD
$500
4.00% ▲ 0.63% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.28% → 4.00% ▲ 0.72 pts · high 4.00% / low 3.28%
2.56%3.64%4.72%Sep 14, 2026: 3.28% APYSep 24, 2026: 3.53% APYOct 12, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.53%
  • Sep 24, 20263.53%▲ from 3.28%
  • Sep 14, 20263.28%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
CD Investments - 6 month
$0
4.00% ▲ 0.63% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
IRA Investments - 6 month
$0
4.00% ▲ 0.63% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.37%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$70,000
3.94% ▲ 0.57% above North Dakota avg
View
▼
Rate3.90%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.57% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 8, 2026 · 3.63% → 3.94% ▲ 0.31 pts · high 4.04% / low 3.63%
3.13%3.84%4.54%Sep 8, 2026: 3.63% APYSep 18, 2026: 3.73% APYOct 2, 2026: 4.04% APYOct 7, 2026: 3.94% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20263.94%▼ from 4.04%
  • Oct 2, 20264.04%▲ from 3.73%
  • Sep 18, 20263.73%▲ from 3.63%
  • Sep 8, 20263.63%first recorded
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2730 12TH AVE S, FARGO, ND 58103
6 Month Share Certificate
$1,000
3.82% ▲ 0.45% above North Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 6, 2026: 3.82% APYOct 6, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
IRA Share Certificate - 6 Months
$0
3.80% ▲ 0.43% above North Dakota avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.43% above avgNationally 2.78%
Details

Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
Share Certificate - 6 Months
$500
3.80% ▲ 0.43% above North Dakota avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.43% above avgNationally 2.78%
Details

Share Certificates (CDs); Effective Date: Monday, October 12th, 2026

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYSep 21, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND 58201
6 Month CD
$0
3.80% ▲ 0.43% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.43% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
6 Month Certificate of Deposit
$1,000
3.79% ▲ 0.42% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.42% above avgNationally 2.78%
Details

Rate History
1 change since Sep 8, 2026 · 3.59% → 3.79% ▲ 0.20 pts · high 3.79% / low 3.59%
3.09%3.69%4.29%Sep 8, 2026: 3.59% APYOct 2, 2026: 3.79% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.79%▲ from 3.59%
  • Sep 8, 20263.59%first recorded
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
6 Month Certificate
$500
3.79% ▲ 0.42% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▲ 0.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APYSep 14, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
900 S Broadway, Minot, ND 58701
6 Month CD
$0
3.78% ▲ 0.41% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
6 Month Certificate
$0
3.78% ▲ 0.41% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▲ 0.41% above avgNationally 2.78%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.78% APY · checked 2 times
3.28%3.78%4.28%Oct 7, 2026: 3.78% APYOct 7, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
6 Month Certificate of Deposit
$0
3.75% ▲ 0.38% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.38% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
6 Month Share Certificate
$0
3.70% ▲ 0.33% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.37%▲ 0.33% above avgNationally 2.78%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
6 Month Certificate
$0
3.68% ▲ 0.31% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▲ 0.31% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 7, 2026: 3.68% APYOct 7, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
6 Month Certificate
$500
3.68% ▲ 0.31% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
209 Main Street, Rolette, ND 58366
6 Month CD
$0
3.68% ▲ 0.31% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.37%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 7 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
6 Month Share Certificate
$500
3.65% ▲ 0.28% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.37%▲ 0.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 13, 2026
Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
3030 Demers Ave, Grand Forks, ND 58201
6-Month Certificate
$1,000
3.63% ▲ 0.26% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.37%▲ 0.26% above avgNationally 2.78%
Details

Rates effective as of October 2026 and subject to change without notice.

Rate History
No change since Sep 25, 2026 · 3.63% APY · checked 4 times
3.13%3.63%4.13%Sep 25, 2026: 3.63% APYSep 25, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
6 Month (182 Day) CD
$0
3.58% ▲ 0.21% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.21% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
6 Month Certificate
$0
3.58% ▲ 0.21% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▲ 0.21% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 7, 2026: 3.58% APYOct 7, 2026Oct 13, 2026
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
6 Month CD
$0
3.55% ▲ 0.18% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.37%▲ 0.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vue Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
818 E Main Ave, Bismarck, ND 58501 4526
6 Month Certificate of Deposit
$0
3.55% ▲ 0.18% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
6 Month (182 Day) CD
$0
3.53% ▲ 0.16% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.16% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
6 Month Certificate
$0
3.50% ▲ 0.13% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.37%▲ 0.13% above avgNationally 2.78%
Details

Balance: $1,000.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 14, 2026: 3.30% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
6 Month Certificate
$150,000
3.50% ▲ 0.13% above North Dakota avg
View
▼
Rate3.44%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.13% above avgNationally 2.78%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
MINOT AREA SCHOOLS
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
215 2nd St SE, Minot, ND 58701
6 Months CD
$0
3.50% ▲ 0.13% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.13% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
6 Month Standard Certificate
$500
3.40% ▲ 0.03% above North Dakota avg
View
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▲ 0.03% above avgNationally 2.78%
Details

Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
6 Month Certificate
$100,000
3.40% ▲ 0.03% above North Dakota avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▲ 0.03% above avgNationally 2.78%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
6 Month Certificate of Deposit
$2,500
3.38% ▲ 0.01% above North Dakota avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▲ 0.01% above avgNationally 2.78%
Details

Balance: $25,000.00 and up

Rate History
No change since Sep 18, 2026 · 3.38% APY · checked 6 times
2.88%3.38%3.88%Sep 18, 2026: 3.38% APYSep 18, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
6 Month Relationship CD
$0
3.35% ▼ 0.02% below North Dakota avg
View
▼
Rate3.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▼ 0.02% below avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
6 Month Certificate
$50,000
3.35% ▼ 0.02% below North Dakota avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▼ 0.02% below avgNationally 2.78%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$30,000
3.33% ▼ 0.04% below North Dakota avg
View
▼
Rate3.30%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▼ 0.04% below avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 3.33% APY · checked 9 times
2.83%3.33%3.83%Sep 8, 2026: 3.33% APYSep 8, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
6 Month Certificate
$25,000
3.30% ▼ 0.07% below North Dakota avg
View
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▼ 0.07% below avgNationally 2.78%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 6 month
$1,000
3.29% ▼ 0.08% below North Dakota avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▼ 0.08% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 days dividends

Rate History
1 change since Sep 14, 2026 · 4.12% → 3.29% ▼ 0.83 pts · high 4.12% / low 3.29%
2.46%3.71%4.95%Sep 14, 2026: 4.12% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▼ from 4.12%
  • Sep 14, 20264.12%first recorded
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
6 Month Certificate of Deposit
$2,500
3.28% ▼ 0.09% below North Dakota avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▼ 0.09% below avgNationally 2.78%
Details

Balance: $0 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.28% APY · checked 6 times
2.78%3.28%3.78%Sep 18, 2026: 3.28% APYSep 18, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
6 Month Certificate
$500
3.25% ▼ 0.12% below North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▼ 0.12% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
6 Month Certificate
$500
3.25% ▼ 0.12% below North Dakota avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.37%▼ 0.12% below avgNationally 2.78%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$500
3.12% ▼ 0.25% below North Dakota avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.37%▼ 0.25% below avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 3.12% APY · checked 9 times
2.62%3.12%3.62%Sep 8, 2026: 3.12% APYSep 8, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
6 Month Certificate
$0
3.00% ▼ 0.37% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▼ 0.37% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
6 Month (182 Day) CD
$0
2.85% ▼ 0.52% below North Dakota avg
View
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.37%▼ 0.52% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 6 Month
$0
2.75% ▼ 0.62% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.37%▼ 0.62% below avgNationally 2.78%
Details

Balance: $25,000+

Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 9, 2026: 2.75% APYOct 9, 2026Oct 13, 2026

North Dakota 12 Month CD Rates

MonitorBankRates North Dakota Average · 12 Month CD3.33% APY▲ 0.06% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in North Dakota is 3.33% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$500,000
4.60% ▲ 1.27% above North Dakota avg
View
▼
Rate4.60%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 1.27% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.40% APYSep 24, 2026: 4.50% APYOct 2, 2026: 4.60% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.60%▲ from 4.50%
  • Sep 24, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%▲ from 4.20%
  • Sep 8, 20264.20%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$99,000
4.40% ▲ 1.07% above North Dakota avg
View
▼
Rate4.40%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 1.07% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 8, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 8, 2026: 4.05% APYSep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYOct 2, 2026: 4.40% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 4.30%
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%▲ from 4.05%
  • Sep 8, 20264.05%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
12 Month Certificate
$500
4.30% ▲ 0.97% above North Dakota avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.97% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - Youth 12 month
$500
4.27% ▲ 0.94% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.94% above avgNationally 2.99%
Details

Youth (ages 21 yrs & younger); Early Withdrawal Penalty: 90 days dividends

Rate History
No change since Oct 13, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 13, 2026: 4.27% APYOct 13, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 12 MONTH
$100
4.24% ▲ 0.91% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.91% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.63% → 4.24% ▲ 0.61 pts · high 4.24% / low 3.63%
3.02%3.94%4.85%Sep 8, 2026: 3.63% APYSep 18, 2026: 4.04% APYOct 2, 2026: 4.24% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.24%▲ from 4.04%
  • Sep 18, 20264.04%▲ from 3.63%
  • Sep 8, 20263.63%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$70,000
4.20% ▲ 0.87% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.87% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.60% → 4.20% ▲ 0.60 pts · high 4.20% / low 3.60%
3.00%3.90%4.80%Sep 8, 2026: 3.60% APYSep 18, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
CD Investments - 12 month
$0
4.15% ▲ 0.82% above North Dakota avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
IRA Investments - 12 month
$0
4.15% ▲ 0.82% above North Dakota avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
Certificate of Deposit - 12-Month Special
$0
4.15% ▲ 0.82% above North Dakota avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
12 Month Certificate
$500
4.11% ▲ 0.78% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
3.20%3.91%4.61%Sep 27, 2026: 3.70% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
12 Month Business Share Certificate
$0
4.10% ▲ 0.77% above North Dakota avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.77% above avgNationally 2.99%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
12 Month Share & IRA Certificate
$0
4.10% ▲ 0.77% above North Dakota avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
12 Month Share Certificate
$500
4.10% ▲ 0.77% above North Dakota avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.77% above avgNationally 2.99%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
12 Month CD
$500
4.10% ▲ 0.77% above North Dakota avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 8, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
12 Month Certificate
$100,000
4.05% ▲ 0.72% above North Dakota avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.72% above avgNationally 2.99%
Details

Balance: $100,000-$149,999

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$30,000
4.00% ▲ 0.67% above North Dakota avg
View
▼
Rate4.00%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 8, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 8, 2026: 3.40% APYSep 18, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.40%
  • Sep 8, 20263.40%first recorded
Aspire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
5195 45th St S, Fargo, ND 58104
12 Month CD
$0
4.00% ▲ 0.67% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Annual Percentage Yield (APY) as of 7-30-26. Penalties for early withdrawal may be imposed.

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
12-Month CD
$500
4.00% ▲ 0.67% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 14, 2026: 3.30% APYSep 24, 2026: 3.80% APYOct 12, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
12 Month Grow With Me Certificate
$0
4.00% ▲ 0.67% above North Dakota avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
12 Month Share Certificate
$500
4.00% ▲ 0.67% above North Dakota avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
12 Month Certificate
$50,000
4.00% ▲ 0.67% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
FARGO VA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2101 Elm St N, Fargo, ND 58102 2417
12 Month Share Certificate
$0
4.00% ▲ 0.67% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.67% above avgNationally 2.99%
Details

Effective Date: 10/1/2026

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
12 Month Certificate
$500
3.90% ▲ 0.57% above North Dakota avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▲ 0.57% above avgNationally 2.99%
Details

Balance: $500-$24,999

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
12 Month Certificate of Deposit
$1,000
3.75% ▲ 0.42% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
12 Month CD
$0
3.75% ▲ 0.42% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
12 Month Growth Builder CD
$0
3.75% ▲ 0.42% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
1 Year Certificate
$0
3.75% ▲ 0.42% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Balance: $500.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
1 Year Jumbo Certificate
$0
3.75% ▲ 0.42% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Balance: $100,000.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
12 Month Certificate of Deposit
$0
3.75% ▲ 0.42% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
424 Main St, Bottineau, ND 58318
12 Month CD
$0
3.68% ▲ 0.35% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.68% APY · checked 7 times
3.18%3.68%4.18%Sep 11, 2026: 3.68% APYSep 11, 2026Oct 13, 2026
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
209 Main Street, Rolette, ND 58366
12 Month CD
$0
3.68% ▲ 0.35% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 7 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
IRA Share Certificate - 12 Months
$0
3.60% ▲ 0.27% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.27% above avgNationally 2.99%
Details

Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
Share Certificate - 12 Months
$500
3.60% ▲ 0.27% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.27% above avgNationally 2.99%
Details

Share Certificates (CDs); Effective Date: Monday, October 12th, 2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYSep 21, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
1 Year (12 Month) CD
$0
3.55% ▲ 0.22% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.22% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
1 Year (12 Month) CD
$0
3.50% ▲ 0.17% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.17% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
12 Month Certificate
$0
3.50% ▲ 0.17% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.17% above avgNationally 2.99%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
12 Month Certificate
$500
3.50% ▲ 0.17% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
United Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
211 Division Ave S, Cavalier, ND 58220
1 Year Certificate of Deposit
$500
3.50% ▲ 0.17% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.33%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
12 Month Traditional IRA Certificate
$500
3.50% ▲ 0.17% above North Dakota avg
View
▼
Rate3.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.17% above avgNationally 2.99%
Details

Effective Date: June 1, 2026; IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$500
3.40% ▲ 0.07% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.07% above avgNationally 2.99%
Details

Rate History
1 change since Sep 8, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
2.70%3.30%3.90%Sep 8, 2026: 3.20% APYSep 18, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
  • Sep 18, 20263.40%▲ from 3.20%
  • Sep 8, 20263.20%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
12 Month Certificate
$0
3.40% ▲ 0.07% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.07% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
12 Month Certificate
$500
3.40% ▲ 0.07% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▲ 0.07% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
12 Month Standard Certificate
$500
3.40% ▲ 0.07% above North Dakota avg
View
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.07% above avgNationally 2.99%
Details

Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
1 Year Certificate of Deposit
$2,500
3.35% ▲ 0.02% above North Dakota avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▲ 0.02% above avgNationally 2.99%
Details

Balance: $25,000.00 and up

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Vue Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
818 E Main Ave, Bismarck, ND 58501 4526
12 Month Certificate of Deposit
$0
3.34% ▲ 0.01% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
12 Month Certificate
$0
3.30% ▼ 0.03% below North Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.33%▼ 0.03% below avgNationally 2.99%
Details

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

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND 58201
12 Month CD
$0
3.30% ▼ 0.03% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▼ 0.03% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2730 12TH AVE S, FARGO, ND 58103
12 Month Share Certificate
$1,000
3.30% ▼ 0.03% below North Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.33%▼ 0.03% below avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 6, 2026: 3.30% APYOct 6, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 12 month
$1,000
3.29% ▼ 0.04% below North Dakota avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.33%▼ 0.04% below avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 14, 2026: 3.04% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
1 Year Certificate of Deposit
$2,500
3.25% ▼ 0.08% below North Dakota avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.33%▼ 0.08% below avgNationally 2.99%
Details

Balance: $0 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026

North Dakota 18 Month CD Rates

MonitorBankRates North Dakota Average · 18 Month CD3.28% APY▲ 0.07% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in North Dakota is 3.28% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
Youth 18 Month
$100
4.50% ▲ 1.22% above North Dakota avg
View
▼
Rate4.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▲ 1.22% above avgNationally 2.87%
Details

Must be under 18 to open. 18M allows add-ons & withdrawals (Min +/- $100) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
18 Month Certificate
$500
4.40% ▲ 1.12% above North Dakota avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▲ 1.12% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
18 Month IRA CD
$1,000
4.37% ▲ 1.09% above North Dakota avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▲ 1.09% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.37% ▲ 0.86 pts · high 4.37% / low 3.51%
2.65%3.94%5.23%Sep 14, 2026: 3.51% APYOct 8, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.37%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
18 Month Certificate Special
$2,500
4.30% ▲ 1.02% above North Dakota avg
View
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▲ 1.02% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 8, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 8, 2026: 4.00% APYSep 18, 2026: 4.10% APYSep 24, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 8, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 24, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%▲ from 4.00%
  • Sep 8, 20264.00%first recorded
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
18 Month CD
$2,500
4.27% ▲ 0.99% above North Dakota avg
View
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▲ 0.99% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.31% → 4.27% ▲ 0.96 pts · high 4.27% / low 3.31%
2.35%3.79%5.23%Sep 14, 2026: 3.31% APYOct 8, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.27%▲ from 3.31%
  • Sep 14, 20263.31%first recorded
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
18 Month IRA CD
$0
4.25% ▲ 0.97% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▲ 0.97% above avgNationally 2.87%
Details

Balance: $500+; IRA

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
18 Month Share Certificate Special Rate
$500
4.20% ▲ 0.92% above North Dakota avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▲ 0.92% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
110 4th St Se, Devils Lake, ND 58301
18-mo. CD
$0
4.00% ▲ 0.72% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 2, 2026
North Dakota Average3.28%▲ 0.72% above avgNationally 2.87%
Details

Earn more with a 11-mo. or 18-mo. CD at 4.00% APY.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
18 Month Certificate
$100,000
3.80% ▲ 0.52% above North Dakota avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▲ 0.52% above avgNationally 2.87%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
18 Month Certificate of Deposit
$1,000
3.75% ▲ 0.47% above North Dakota avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▲ 0.47% above avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
18 Month Certificate
$50,000
3.75% ▲ 0.47% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▲ 0.47% above avgNationally 2.87%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
18 Month Certificate
$500
3.70% ▲ 0.42% above North Dakota avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▲ 0.42% above avgNationally 2.87%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
209 Main Street, Rolette, ND 58366
18 Month CD
$0
3.68% ▲ 0.40% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▲ 0.40% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 7 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
18 Month CD
$0
3.58% ▲ 0.30% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▲ 0.30% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
18 Month CD
$0
3.53% ▲ 0.25% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▲ 0.25% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
424 Main St, Bottineau, ND 58318
18 Month CD
$0
3.53% ▲ 0.25% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.28%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 3.53% APY · checked 7 times
3.03%3.53%4.03%Sep 11, 2026: 3.53% APYSep 11, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 18 months
$1,000
3.29% ▲ 0.01% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▲ 0.01% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 182 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 14, 2026: 3.04% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
18 Month Certificate
$500
3.25% ▼ 0.03% below North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▼ 0.03% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
18 Month Certificate
$0
3.25% ▼ 0.03% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.28%▼ 0.03% below avgNationally 2.87%
Details

Balance: $100.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 29, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
18 Month Jumbo Certificate
$0
3.25% ▼ 0.03% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.28%▼ 0.03% below avgNationally 2.87%
Details

Balance: $100,000.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 29, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
IRA Share Certificate - 18 Months
$0
3.20% ▼ 0.08% below North Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 0.08% below avgNationally 2.87%
Details

Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
Share Certificate - 18 Months
$500
3.20% ▼ 0.08% below North Dakota avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 0.08% below avgNationally 2.87%
Details

Share Certificates (CDs); Effective Date: Monday, October 12th, 2026

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 14, 2026: 3.10% APYSep 21, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
18-month CD
$1,000
3.08% ▼ 0.20% below North Dakota avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.28%▼ 0.20% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 6 times
2.58%3.08%3.58%Sep 14, 2026: 3.08% APYSep 14, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
18 Month Certificate
$500
3.02% ▼ 0.26% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.28%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
18 Month Business Share Certificate
$0
3.00% ▼ 0.28% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▼ 0.28% below avgNationally 2.87%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
18 Month Share & IRA Certificate
$0
3.00% ▼ 0.28% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▼ 0.28% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
18 Month Share Certificate
$500
3.00% ▼ 0.28% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.28%▼ 0.28% below avgNationally 2.87%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
18 month CD
$0
3.00% ▼ 0.28% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.28%▼ 0.28% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
18 Month Certificate of Deposit
$0
3.00% ▼ 0.28% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 0.28% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
18 Month Certificate
$500
2.92% ▼ 0.36% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.28%▼ 0.36% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.92% APY · checked 6 times
2.42%2.92%3.42%Sep 14, 2026: 2.92% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
18 Month Share Certificate
$0
2.85% ▼ 0.43% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▼ 0.43% below avgNationally 2.87%
Details

Balance: $25,000+

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
18 Month Share Certificate
$0
2.80% ▼ 0.48% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▼ 0.48% below avgNationally 2.87%
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
18 Month Share Certificate
$0
2.75% ▼ 0.53% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.28%▼ 0.53% below avgNationally 2.87%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
18 Month Certificate
$0
2.75% ▼ 0.53% below North Dakota avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 0.53% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
IRA Certificates - 18 Months
$0
2.75% ▼ 0.53% below North Dakota avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 0.53% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
American State Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
223 Main St, Williston, ND 58801
18 Month Certificate
$500
2.10% ▼ 1.18% below North Dakota avg
View
▼
Rate2.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.28%▼ 1.18% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 7, 2026: 2.10% APYOct 7, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 18 Month
$0
2.00% ▼ 1.28% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 1.28% below avgNationally 2.87%
Details

Balance: $25,000+

Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 9, 2026: 2.00% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 18 Month
$0
1.90% ▼ 1.38% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 1.38% below avgNationally 2.87%
Details

Balance: $10,000 to $24,999

Rate History
No change since Oct 9, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 9, 2026: 1.90% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 18 Month
$0
1.80% ▼ 1.48% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.28%▼ 1.48% below avgNationally 2.87%
Details

Balance: $500 to $9,999

Rate History
No change since Oct 9, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Oct 9, 2026: 1.80% APYOct 9, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
18 Month IRA Certificates
$0
0.75% ▼ 2.53% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▼ 2.53% below avgNationally 2.87%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
18 Month Standard CD
$0
0.75% ▼ 2.53% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.28%▼ 2.53% below avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

North Dakota 24 Month CD Rates

MonitorBankRates North Dakota Average · 24 Month CD3.13% APY▲ 0.05% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in North Dakota is 3.13% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$50,000
5.00% ▲ 1.87% above North Dakota avg
View
▼
Rate5.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 1.87% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.80% APYOct 2, 2026: 5.00% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 18, 20264.80%▲ from 4.30%
  • Sep 8, 20264.30%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$99,000
4.80% ▲ 1.67% above North Dakota avg
View
▼
Rate4.80%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 1.67% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 8, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 8, 2026: 4.15% APYSep 18, 2026: 4.50% APYSep 27, 2026: 4.60% APYOct 2, 2026: 4.80% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.80%▲ from 4.60%
  • Sep 27, 20264.60%▲ from 4.50%
  • Sep 18, 20264.50%▲ from 4.15%
  • Sep 8, 20264.15%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 24 MONTH
$100
4.55% ▲ 1.42% above North Dakota avg
View
▼
Rate4.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 1.42% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.84% → 4.55% ▲ 0.71 pts · high 4.55% / low 3.84%
3.13%4.20%5.26%Sep 8, 2026: 3.84% APYSep 18, 2026: 4.24% APYOct 2, 2026: 4.55% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.55%▲ from 4.24%
  • Sep 18, 20264.24%▲ from 3.84%
  • Sep 8, 20263.84%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$70,000
4.50% ▲ 1.37% above North Dakota avg
View
▼
Rate4.50%
Min Deposit$70,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.80% → 4.50% ▲ 0.70 pts · high 4.50% / low 3.80%
3.10%4.15%5.20%Sep 8, 2026: 3.80% APYSep 18, 2026: 4.20% APYOct 2, 2026: 4.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%▲ from 3.80%
  • Sep 8, 20263.80%first recorded
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD
$0
4.50% ▲ 1.37% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Balance: $500+; IRA

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 24 months
$1,000
4.37% ▲ 1.24% above North Dakota avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▲ 1.24% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 182 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 4.37% ▲ 1.33 pts · high 4.37% / low 3.04%
1.71%3.71%5.70%Sep 14, 2026: 3.04% APYOct 9, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.37%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
24 Month CD
$0
4.25% ▲ 1.12% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
24 Month Certificate
$500
4.25% ▲ 1.12% above North Dakota avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 1.12% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$30,000
4.20% ▲ 1.07% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$30,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 8, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
2.80%3.85%4.90%Sep 8, 2026: 3.50% APYSep 18, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
2 Year Relationship CD
$0
4.20% ▲ 1.07% above North Dakota avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50%
2.80%3.85%4.90%Sep 19, 2026: 3.50% APYOct 3, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.20%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
900 S Broadway, Minot, ND 58701
24 Month CD
$0
4.00% ▲ 0.87% above North Dakota avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
24-Month CD
$500
4.00% ▲ 0.87% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYSep 24, 2026: 3.70% APYOct 12, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
24 Month Certificate
$500
3.96% ▲ 0.83% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 27, 2026: 3.75% APYOct 6, 2026: 3.96% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20263.96%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
24 month CD
$0
3.75% ▲ 0.62% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
2.80%3.53%4.25%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
2 Year CD
$0
3.70% ▲ 0.57% above North Dakota avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 14, 2026: 3.00% APYOct 7, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
24 Month Certificate
$150,000
3.65% ▲ 0.52% above North Dakota avg
View
▼
Rate3.59%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
2 Year (24 Month) CD
$0
3.55% ▲ 0.42% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.42% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
24 Month Certificate
$100,000
3.55% ▲ 0.42% above North Dakota avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
424 Main St, Bottineau, ND 58318
24 Month CD
$0
3.53% ▲ 0.40% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.53% APY · checked 7 times
3.03%3.53%4.03%Sep 11, 2026: 3.53% APYSep 11, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
2 Year (24 Month) CD
$0
3.50% ▲ 0.37% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.37% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
24 Month Certificate of Deposit
$1,000
3.50% ▲ 0.37% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 8, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 8, 2026: 3.40% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.40%
  • Sep 8, 20263.40%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
24 Month Certificate
$0
3.50% ▲ 0.37% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
United Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
211 Division Ave S, Cavalier, ND 58220
2 Year Certificate of Deposit
$500
3.50% ▲ 0.37% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
24 Month Certificate
$50,000
3.50% ▲ 0.37% above North Dakota avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
24 Month Certificate
$25,000
3.45% ▲ 0.32% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.32% above avgNationally 2.88%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
24 Month Certificate
$0
3.40% ▲ 0.27% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 0.27% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
24 Month Certificate
$500
3.40% ▲ 0.27% above North Dakota avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▲ 0.27% above avgNationally 2.88%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$500
3.30% ▲ 0.17% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
24 Month Certificate
$0
3.30% ▲ 0.17% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▲ 0.17% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
24 Month Certificate
$500
3.25% ▲ 0.12% above North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
24 Month Grow With Me Certificate
$0
3.25% ▲ 0.12% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
24 Month Share Certificate
$500
3.25% ▲ 0.12% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
2 Year Certificate of Deposit
$2,500
3.10% ▼ 0.03% below North Dakota avg
View
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▼ 0.03% below avgNationally 2.88%
Details

Balance: $25,000.00 and up

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
24 Month Traditional IRA Certificate
$500
3.10% ▼ 0.03% below North Dakota avg
View
▼
Rate3.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.03% below avgNationally 2.88%
Details

Effective Date: June 1, 2026; IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2730 12TH AVE S, FARGO, ND 58103
24 Month Share Certificate
$1,000
3.04% ▼ 0.09% below North Dakota avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.13%▼ 0.09% below avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 6, 2026: 3.04% APYOct 6, 2026Oct 13, 2026
Vue Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
818 E Main Ave, Bismarck, ND 58501 4526
24 Month Certificate of Deposit
$0
3.03% ▼ 0.10% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
24-month CD
$1,000
3.02% ▼ 0.11% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▼ 0.11% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
24 Month Business Share Certificate
$0
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
24 Month Share & IRA Certificate
$0
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
24 Month Share Certificate
$500
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
2 Year Certificate of Deposit
$2,500
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Balance: $0 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
24 Month Certificate
$500
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
24 Month Share Certificate
$0
3.00% ▼ 0.13% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
IRA Share Certificate - 24 Months
$0
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2150 32ND AVE S, Grand Forks, ND 58201
Share Certificate - 24 Months
$500
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Share Certificates (CDs); Effective Date: Monday, October 12th, 2026

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Sep 14, 2026: 2.90% APYSep 21, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.00%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
24 Month Standard Certificate
$500
3.00% ▼ 0.13% below North Dakota avg
View
▼
Rate2.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
24 Month Certificate of Deposit
$0
2.95% ▼ 0.18% below North Dakota avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.18% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
24 Month Certificate
$500
2.90% ▼ 0.23% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.13%▼ 0.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
24 Month Certificate
$0
2.85% ▼ 0.28% below North Dakota avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.28% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Western Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1300 Bison Dr, Williston, ND 58801 3770
24 Month Certificate of Deposit
$1,000
2.50% ▼ 0.63% below North Dakota avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.13%▼ 0.63% below avgNationally 2.88%
Details

Effective 10-01-2026

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026

North Dakota 36 Month CD Rates

MonitorBankRates North Dakota Average · 36 Month CD3.03% APY▲ 0.07% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in North Dakota is 3.03% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 36 MONTH
$100
4.96% ▲ 1.93% above North Dakota avg
View
▼
Rate4.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 1.93% above avgNationally 2.81%
Details

Rate History
5 changes since Sep 8, 2026 · 4.24% → 4.96% ▲ 0.72 pts · high 5.06% / low 4.24%
3.42%4.65%5.88%Sep 8, 2026: 4.24% APYSep 18, 2026: 4.55% APYSep 24, 2026: 4.65% APYSep 27, 2026: 4.76% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.76%
  • Sep 27, 20264.76%▲ from 4.65%
  • Sep 24, 20264.65%▲ from 4.55%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
36 MONTH CD
$500
4.90% ▲ 1.87% above North Dakota avg
View
▼
Rate4.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 1.87% above avgNationally 2.81%
Details

Rate History
5 changes since Sep 8, 2026 · 4.20% → 4.90% ▲ 0.70 pts · high 5.00% / low 4.20%
3.40%4.60%5.80%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.50% APYSep 24, 2026: 4.60% APYSep 27, 2026: 4.70% APYOct 2, 2026: 5.00% APYOct 7, 2026: 4.90% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.90%▼ from 5.00%
  • Oct 2, 20265.00%▲ from 4.70%
  • Sep 27, 20264.70%▲ from 4.60%
  • Sep 24, 20264.60%▲ from 4.50%
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
36 Month 1 Bump
$500
4.01% ▲ 0.98% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 6, 2026: 4.01% APYOct 6, 2026Oct 13, 2026
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
36 Month CD
$2,500
4.00% ▲ 0.97% above North Dakota avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
36 month CD
$0
4.00% ▲ 0.97% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
36 Month CD
$0
4.00% ▲ 0.97% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
36 Month Certificate
$500
4.00% ▲ 0.97% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.97% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
424 Main St, Bottineau, ND 58318
36 Month CD
$0
3.79% ▲ 0.76% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.76% above avgNationally 2.81%
Details

2 Options

Rate History
No change since Sep 11, 2026 · 3.79% APY · checked 7 times
3.29%3.79%4.29%Sep 11, 2026: 3.79% APYSep 11, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
3 Year Relationship CD
$0
3.60% ▲ 0.57% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.57% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
3 Year (36 Month) CD
$0
3.55% ▲ 0.52% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 0.52% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
3 Year (36 Month) CD
$0
3.50% ▲ 0.47% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.47% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 8, 2026: 3.30% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.30%
  • Sep 8, 20263.30%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
36 Month Certificate
$0
3.50% ▲ 0.47% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
36 Month Certificate
$150,000
3.50% ▲ 0.47% above North Dakota avg
View
▼
Rate3.44%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.47% above avgNationally 2.81%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
36 Month Certificate
$0
3.40% ▲ 0.37% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.37% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
36 Month Certificate
$100,000
3.40% ▲ 0.37% above North Dakota avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.37% above avgNationally 2.81%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
36 Month Certificate
$50,000
3.35% ▲ 0.32% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.32% above avgNationally 2.81%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
36 Month Certificate
$0
3.30% ▲ 0.27% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.27% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
36 Month Certificate
$25,000
3.30% ▲ 0.27% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.27% above avgNationally 2.81%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 36 months
$1,000
3.29% ▲ 0.26% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▲ 0.26% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 182 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 14, 2026: 3.04% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
36 Month Certificate
$500
3.25% ▲ 0.22% above North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
36-Month CD
$500
3.25% ▲ 0.22% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
United Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
211 Division Ave S, Cavalier, ND 58220
3 Year Certificate of Deposit
$500
3.25% ▲ 0.22% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
36 Month Share Certificate
$500
3.25% ▲ 0.22% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
36 Month Certificate
$500
3.25% ▲ 0.22% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
3 Year Certificate of Deposit
$2,500
3.10% ▲ 0.07% above North Dakota avg
View
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▲ 0.07% above avgNationally 2.81%
Details

Balance: $25,000.00 and up

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
3 Year CD
$0
3.10% ▲ 0.07% above North Dakota avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▲ 0.07% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
36-month CD
$1,000
3.02% ▼ 0.01% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▼ 0.01% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
3 Year Certificate of Deposit
$2,500
3.00% ▼ 0.03% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Balance: $0 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1462 Broadway N, Fargo, ND 58102
36 Month Share Certificate
$0
3.00% ▼ 0.03% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
36 Month Certificate
$0
3.00% ▼ 0.03% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
IRA Certificates - 36 Months
$0
3.00% ▼ 0.03% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
36-month JUMP UP
$1,000
2.92% ▼ 0.11% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.92% APY · checked 3 times
2.42%2.92%3.42%Sep 14, 2026: 2.92% APYSep 14, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
36 Month Bump Rate
$500
2.75% ▼ 0.28% below North Dakota avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▼ 0.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
36 Month Certificate of Deposit
$0
2.50% ▼ 0.53% below North Dakota avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 0.53% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
36 Month Business Share Certificate
$0
2.35% ▼ 0.68% below North Dakota avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▼ 0.68% below avgNationally 2.81%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Sep 18, 2026: 2.35% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
36 Month Share & IRA Certificate
$0
2.35% ▼ 0.68% below North Dakota avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▼ 0.68% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.35% APY · checked 5 times
1.85%2.35%2.85%Sep 24, 2026: 2.35% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
36 Month Share Certificate
$500
2.35% ▼ 0.68% below North Dakota avg
View
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▼ 0.68% below avgNationally 2.81%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Sep 18, 2026: 2.35% APYSep 18, 2026Oct 13, 2026
American State Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
223 Main St, Williston, ND 58801
36 Month Certificate
$500
2.35% ▼ 0.68% below North Dakota avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▼ 0.68% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 7, 2026: 2.35% APYOct 7, 2026Oct 13, 2026
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Rr Avenue, Ray, ND 58849
36 Month CD
$0
2.20% ▼ 0.83% below North Dakota avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.03%▼ 0.83% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 2.20% APY · checked 8 times
1.70%2.20%2.70%Sep 11, 2026: 2.20% APYSep 11, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
15 Main St Se, Bowbells, ND 58721
36 Month Variable IRA
$0
1.75% ▼ 1.28% below North Dakota avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.03%▼ 1.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 24, 2026: 1.75% APYSep 24, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 36 Month
$0
1.75% ▼ 1.28% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 1.28% below avgNationally 2.81%
Details

Balance: $25,000+

Rate History
No change since Oct 9, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 9, 2026: 1.75% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 36 Month
$0
1.65% ▼ 1.38% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 1.38% below avgNationally 2.81%
Details

Balance: $10,000 to $24,999

Rate History
No change since Oct 9, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Oct 9, 2026: 1.65% APYOct 9, 2026Oct 13, 2026
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) - 36 Month
$0
1.55% ▼ 1.48% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.03%▼ 1.48% below avgNationally 2.81%
Details

Balance: $500 to $9,999

Rate History
No change since Oct 9, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Oct 9, 2026: 1.55% APYOct 9, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 3 Year
$25,000
0.85% ▼ 2.18% below North Dakota avg
View
▼
Rate0.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▼ 2.18% below avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 6, 2026: 0.85% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 3 Year
$100
0.80% ▼ 2.23% below North Dakota avg
View
▼
Rate0.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▼ 2.23% below avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 6, 2026: 0.80% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
36 Month IRA Certificates
$0
0.75% ▼ 2.28% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▼ 2.28% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
36 Month Standard CD
$0
0.75% ▼ 2.28% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.03%▼ 2.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

North Dakota 48 Month CD Rates

MonitorBankRates North Dakota Average · 48 Month CD3.05% APY▲ 0.08% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in North Dakota is 3.05% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
48 Month 1 Bump
$500
4.06% ▲ 1.01% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▲ 1.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 13, 2026
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
48 Month CD
$2,500
4.00% ▲ 0.95% above North Dakota avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.05%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
48 month CD
$0
4.00% ▲ 0.95% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.05%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.96% → 4.00% ▲ 1.04 pts · high 4.00% / low 2.96%
1.92%3.48%5.04%Sep 14, 2026: 2.96% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 2.96%
  • Sep 14, 20262.96%first recorded
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 48 months
$1,000
3.80% ▲ 0.75% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.05%▲ 0.75% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
48 Month Certificate
$500
3.75% ▲ 0.70% above North Dakota avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▲ 0.70% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
4 Year Relationship CD
$0
3.65% ▲ 0.60% above North Dakota avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▲ 0.60% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
209 Main Street, Rolette, ND 58366
48 Month CD
$0
3.58% ▲ 0.53% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.05%▲ 0.53% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 7 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
48 Month CD
$0
3.51% ▲ 0.46% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.05%▲ 0.46% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.45% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.05%▲ 0.45% above avgNationally 2.80%
Details

Rate History
1 change since Sep 8, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 8, 2026: 3.15% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.15%
  • Sep 8, 20263.15%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
48 Month Certificate
$0
3.50% ▲ 0.45% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▲ 0.45% above avgNationally 2.80%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
48 Month Certificate
$0
3.40% ▲ 0.35% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▲ 0.35% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
48 Month Certificate
$0
3.30% ▲ 0.25% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▲ 0.25% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
48 Month Certificate
$500
3.25% ▲ 0.20% above North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.05%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
48-Month CD
$500
3.25% ▲ 0.20% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.05%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
48 Month Share Certificate
$500
3.25% ▲ 0.20% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.05%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
48 Month Certificate
$150,000
3.25% ▲ 0.20% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▲ 0.20% above avgNationally 2.80%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
4 Year CD
$0
3.15% ▲ 0.10% above North Dakota avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▲ 0.10% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
48 Month Certificate
$100,000
3.15% ▲ 0.10% above North Dakota avg
View
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▲ 0.10% above avgNationally 2.80%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
48 Month Traditional IRA Certificate
$500
3.10% ▲ 0.05% above North Dakota avg
View
▼
Rate3.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.05%▲ 0.05% above avgNationally 2.80%
Details

Effective Date: June 1, 2026; IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
48 Month Certificate
$50,000
3.10% ▲ 0.05% above North Dakota avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▲ 0.05% above avgNationally 2.80%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
48 Month Certificate
$0
3.05% At North Dakota avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.05%At the averageNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
48 Month Certificate
$25,000
3.05% At North Dakota avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%At the averageNationally 2.80%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
48-month CD
$1,000
3.02% ▼ 0.03% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▼ 0.03% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
48 Month Standard Certificate
$500
3.00% ▼ 0.05% below North Dakota avg
View
▼
Rate2.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.05%▼ 0.05% below avgNationally 2.80%
Details

Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
48 Month Certificate
$500
3.00% ▼ 0.05% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 0.05% below avgNationally 2.80%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Vue Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
818 E Main Ave, Bismarck, ND 58501 4526
48 Month Certificate of Deposit
$0
2.93% ▼ 0.12% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.05%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 6 times
2.43%2.93%3.43%Sep 14, 2026: 2.93% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
48-month JUMP UP
$1,000
2.92% ▼ 0.13% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▼ 0.13% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.92% APY · checked 3 times
2.42%2.92%3.42%Sep 14, 2026: 2.92% APYSep 14, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
48 Month Business Share Certificate
$0
2.45% ▼ 0.60% below North Dakota avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.05%▼ 0.60% below avgNationally 2.80%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
48 Month Share & IRA Certificate
$0
2.45% ▼ 0.60% below North Dakota avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.05%▼ 0.60% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
48 Month Share Certificate
$500
2.45% ▼ 0.60% below North Dakota avg
View
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.05%▼ 0.60% below avgNationally 2.80%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
American State Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
223 Main St, Williston, ND 58801
48 Month Certificate
$500
2.45% ▼ 0.60% below North Dakota avg
View
▼
Rate2.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▼ 0.60% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 7, 2026: 2.45% APYOct 7, 2026Oct 13, 2026
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Rr Avenue, Ray, ND 58849
48 Month CD
$0
2.30% ▼ 0.75% below North Dakota avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.05%▼ 0.75% below avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 2.30% APY · checked 8 times
1.80%2.30%2.80%Sep 11, 2026: 2.30% APYSep 11, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 4 Year
$100,000
1.21% ▼ 1.84% below North Dakota avg
View
▼
Rate1.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 1.84% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.21% APY · checked 2 times
0.71%1.21%1.71%Oct 6, 2026: 1.21% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 4 Year
$25,000
1.20% ▼ 1.85% below North Dakota avg
View
▼
Rate1.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 1.85% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 6, 2026: 1.20% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 4 Year
$100
1.15% ▼ 1.90% below North Dakota avg
View
▼
Rate1.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 1.90% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Oct 6, 2026: 1.15% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
48 Month IRA Certificates
$0
0.75% ▼ 2.30% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 2.30% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
150 W Villard St, Dickinson, ND 58601
48 Month Standard CD
$0
0.75% ▼ 2.30% below North Dakota avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.05%▼ 2.30% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

North Dakota 60 Month CD Rates

MonitorBankRates North Dakota Average · 60 Month CD3.21% APY▲ 0.05% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in North Dakota is 3.21% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 60 MONTH
$100
4.96% ▲ 1.75% above North Dakota avg
View
▼
Rate4.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 1.75% above avgNationally 2.90%
Details

Rate History
5 changes since Sep 8, 2026 · 4.35% → 4.96% ▲ 0.61 pts · high 5.06% / low 4.35%
3.64%4.71%5.77%Sep 8, 2026: 4.35% APYSep 18, 2026: 4.65% APYSep 24, 2026: 4.76% APYSep 27, 2026: 4.86% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.86%
  • Sep 27, 20264.86%▲ from 4.76%
  • Sep 24, 20264.76%▲ from 4.65%
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
60 MONTH CD
$500
4.90% ▲ 1.69% above North Dakota avg
View
▼
Rate4.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 1.69% above avgNationally 2.90%
Details

Rate History
5 changes since Sep 8, 2026 · 4.30% → 4.90% ▲ 0.60 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.60% APYSep 24, 2026: 4.70% APYSep 27, 2026: 4.80% APYOct 2, 2026: 5.00% APYOct 7, 2026: 4.90% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.90%▼ from 5.00%
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 27, 20264.80%▲ from 4.70%
  • Sep 24, 20264.70%▲ from 4.60%
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
60 month CD
$0
4.25% ▲ 1.04% above North Dakota avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.21%▲ 1.04% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
424 Main St, Bottineau, ND 58318
60 Month CD
$0
4.14% ▲ 0.93% above North Dakota avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 4.14% APY · checked 7 times
3.64%4.14%4.64%Sep 11, 2026: 4.14% APYSep 11, 2026Oct 13, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
811 S Broadway, Minot, ND 58701 4691
60 Month 1 Bump
$500
4.11% ▲ 0.90% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 6, 2026: 4.11% APYOct 6, 2026Oct 13, 2026
Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2911 N 14th St, Bismarck, ND 58503
60 Month CD
$2,500
4.00% ▲ 0.79% above North Dakota avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1006 E Main St, Mandan, ND 58554 3762
60 month Bump Rate CD
$0
4.00% ▲ 0.79% above North Dakota avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.21%▲ 0.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.00% ▲ 0.85 pts · high 4.00% / low 3.15%
2.30%3.57%4.85%Sep 14, 2026: 3.15% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
Share Certificate - 60 months
$1,000
3.80% ▲ 0.59% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▲ 0.59% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 4.43% → 3.80% ▼ 0.63 pts · high 4.43% / low 3.80%
3.17%4.12%5.06%Sep 14, 2026: 4.43% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▼ from 4.43%
  • Sep 14, 20264.43%first recorded
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
209 Main Street, Rolette, ND 58366
60 Month CD
$0
3.79% ▲ 0.58% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 7 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APYSep 14, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
5 Year Relationship CD
$0
3.75% ▲ 0.54% above North Dakota avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
60 Month Certificate
$0
3.60% ▲ 0.39% above North Dakota avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.39% above avgNationally 2.90%
Details

Balance: $100,000+*

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
5 Year (60 Month) CD
$0
3.55% ▲ 0.34% above North Dakota avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 0.34% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
60 Month CD
$0
3.51% ▲ 0.30% above North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.21%▲ 0.30% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
520 Main Ave, Fargo, ND 58103
5 Year (60 Month) CD
$0
3.50% ▲ 0.29% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 0.29% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
340 Main St, Arthur, ND 58006
60 Month Certificate of Deposit
$1,000
3.50% ▲ 0.29% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 0.29% above avgNationally 2.90%
Details

Rate History
1 change since Sep 8, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 8, 2026: 3.00% APYOct 2, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.50%▲ from 3.00%
  • Sep 8, 20263.00%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
60 Month Certificate
$0
3.50% ▲ 0.29% above North Dakota avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.29% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
1441 44th ST N, Fargo, ND 58102 2854
60 Month Certificate
$500
3.50% ▲ 0.29% above North Dakota avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▲ 0.29% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
104 S Main St, Drayton, ND 58225
60 Month Certificate
$0
3.40% ▲ 0.19% above North Dakota avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.19% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
60 Month Legacy CD
$100
3.40% ▲ 0.19% above North Dakota avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.19% above avgNationally 2.90%
Details

APY accurate as of 10/07/2026. Rates, terms, and conditions are subject to change without notice. Fees may reduce earnings. A penalty may be imposed for the early withdrawal of funds. Add money any time during your term. Grow your investment up to $100,000.

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
60 Month Certificate
$150,000
3.35% ▲ 0.14% above North Dakota avg
View
▼
Rate3.30%
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▲ 0.14% above avgNationally 2.90%
Details

Balance: $150,000+

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Bank Forward
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5650 37th Ave S, Fargo, ND 58104
60 Month Certificate
$500
3.25% ▲ 0.04% above North Dakota avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 2nd Ave N, Fargo, ND 58102
5 Year CD
$0
3.25% ▲ 0.04% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota Western Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
202 S Main St, Bowman, ND 58623
60-Month CD
$500
3.25% ▲ 0.04% above North Dakota avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
United Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
211 Division Ave S, Cavalier, ND 58220
5 Year Certificate of Deposit
$500
3.25% ▲ 0.04% above North Dakota avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1430 S BROADWAY, MINOT, ND 58701 5933
60 Month Share Certificate
$500
3.25% ▲ 0.04% above North Dakota avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
60 Month Certificate
$100,000
3.25% ▲ 0.04% above North Dakota avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▲ 0.04% above avgNationally 2.90%
Details

Balance: $100,000-$149,999

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
60 Month Certificate
$0
3.20% ▼ 0.01% below North Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
340 N MAIN ST, Watford City, ND 58854
IRA Certificates - 60 Months
$0
3.20% ▼ 0.01% below North Dakota avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
60 Month Certificate
$50,000
3.20% ▼ 0.01% below North Dakota avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 0.01% below avgNationally 2.90%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
60 Month Certificate
$25,000
3.15% ▼ 0.06% below North Dakota avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 0.06% below avgNationally 2.90%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
5 Year Certificate of Deposit
$2,500
3.10% ▼ 0.11% below North Dakota avg
View
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 0.11% below avgNationally 2.90%
Details

Balance: $25,000.00 and up

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
20 1st St N, New Rockford, ND 58356 2201
5 Year Certificate
$0
3.10% ▼ 0.11% below North Dakota avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Dakota Average3.21%▼ 0.11% below avgNationally 2.90%
Details

Balance: $100.00 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.10% ▲ 0.35 pts · high 3.10% / low 2.75%
2.25%2.93%3.60%Sep 14, 2026: 2.75% APYSep 29, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.10%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
60 Month Traditional IRA Certificate
$500
3.10% ▼ 0.11% below North Dakota avg
View
▼
Rate3.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▼ 0.11% below avgNationally 2.90%
Details

Effective Date: June 1, 2026; IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
5161 Charles Way S, Fargo, ND 58104
60 Month Certificate
$500
3.10% ▼ 0.11% below North Dakota avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 0.11% below avgNationally 2.90%
Details

Balance: $500-$24,999

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
60-month CD
$1,000
3.02% ▼ 0.19% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.19% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
423 Broadway, Buxton, ND 58218
5 Year Certificate of Deposit
$2,500
3.00% ▼ 0.21% below North Dakota avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 0.21% below avgNationally 2.90%
Details

Balance: $0 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
204 W Thayer Ave, Bismarck, ND 58501
60 Month Certificate of Deposit
$0
3.00% ▼ 0.21% below North Dakota avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▼ 0.21% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
60 Month Standard Certificate
$500
3.00% ▼ 0.21% below North Dakota avg
View
▼
Rate2.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Dakota Average3.21%▼ 0.21% below avgNationally 2.90%
Details

60M allows 1-time rate bump after 18 months; Effective Date: June 1, 2026

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Goose River Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
44 Main St W, Mayville, ND 58257
60-month JUMP UP
$1,000
2.92% ▼ 0.29% below North Dakota avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.29% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.92% APY · checked 3 times
2.42%2.92%3.42%Sep 14, 2026: 2.92% APYSep 14, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
5 Year Certificate
$500
2.75% ▼ 0.46% below North Dakota avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.46% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
American State Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
223 Main St, Williston, ND 58801
60 Month Certificate
$500
2.65% ▼ 0.56% below North Dakota avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.56% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 7, 2026: 2.65% APYOct 7, 2026Oct 13, 2026
Heartland State Bank Edgeley, ND
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
13 Main Ave N, Kulm, ND 58456
5 Year Certificate
$500
2.65% ▼ 0.56% below North Dakota avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.56% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
2.15%2.65%3.15%Sep 14, 2026: 2.65% APYSep 14, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
60 Month Business Share Certificate
$0
2.50% ▼ 0.71% below North Dakota avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 0.71% below avgNationally 2.90%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
60 Month Share & IRA Certificate
$0
2.50% ▼ 0.71% below North Dakota avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 0.71% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
589 Holzapple St Bldg 210, Grand Forks Afb, ND 58204 1020
60 Month Share Certificate
$500
2.50% ▼ 0.71% below North Dakota avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 0.71% below avgNationally 2.90%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Rr Avenue, Ray, ND 58849
60 Month CD
$0
2.40% ▼ 0.81% below North Dakota avg
View
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Dakota Average3.21%▼ 0.81% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 11, 2026: 2.40% APYSep 11, 2026Oct 13, 2026
Dacotah Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
15 Main St Se, Bowbells, ND 58721
24-36-48-60 month CD
$0
1.75% ▼ 1.46% below North Dakota avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Dakota Average3.21%▼ 1.46% below avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 2, 2026: 1.75% APYOct 2, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 5 Year
$100,000
1.46% ▼ 1.75% below North Dakota avg
View
▼
Rate1.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 1.75% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 6, 2026: 1.46% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 5 Year
$25,000
1.45% ▼ 1.76% below North Dakota avg
View
▼
Rate1.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 1.76% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.45% APY · checked 2 times
0.95%1.45%1.95%Oct 6, 2026: 1.45% APYOct 6, 2026Oct 13, 2026
DAKOTA PLAINS
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
221 S Main St, Hettinger, ND 58639 7034
Share Certificates - 5 Year
$100
1.40% ▼ 1.81% below North Dakota avg
View
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Dakota Average3.21%▼ 1.81% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 6, 2026: 1.40% APYOct 6, 2026Oct 13, 2026
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 North Dakota Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Dakota Community Bank & Trust
24 MONTH CD
A+ 5.0 ★ TX: 0.58%
Min: $50,000
5.00%
Kirkwood Bank & Trust Co.
18 Month IRA CD
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.37%
Gate City Bank
2 Year Relationship CD
A+ 5.0 ★ TX: 5.49%
Min: $0
4.20%
First National B&T Co. of Bottineau
60 Month CD
A+ 5.0 ★ TX: 2.72%
Min: $0
4.14%
Western State Bank
18-mo. CD
A 5.0 ★ TX: 6.13%
Min: $0
4.00%
CU Top 5 Credit Union Rates
North Star Community Credit Union
Youth 18 Month
A 5.0 ★ TX: 13.82%
Min: $100
4.50%
Dakota Plains Credit Union
24 Month IRA CD
A 5.0 ★ TX: 6.34%
Min: $0
4.50%
Empeople Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 5.75%
Min: $500
4.40%
Hometown Credit Union
Share Certificate - 24 months
D 3.6 ★ TX: 32.17%
Min: $1,000
4.37%
Railway Credit Union
60 month CD
A+ 5.0 ★ TX: 2.85%
Min: $0
4.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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North Dakota CD Rate Trends

Compare local North Dakota 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 North Dakota CD Trends
12-Month CD ND Avg
3.329%
▲ 0.058 vs 7 days ago

North Dakota 12-month CD rates rose 0.058 points over the past 7 days to 3.329% APY.

6-Month CD ND Avg
3.370%
▲ 0.023 vs 7 days ago

North Dakota 6-month CD rates rose 0.023 points over the past 7 days to 3.370% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

ND CD Rate Forecast, Next 12 Months

Where are North Dakota CD rates headed through October 2027?

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

ND 12-Month Avg APY
3.329%
6-Month Forecast
3.329%
Range: 3.13%, 3.48%
12-Month Forecast
3.579%
Range: 3.38%, 3.73%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the North Dakota average 12-month CD APY in our database.

Spread model: The North Dakota 12-month CD average currently trades 1.05% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at ND CD Rates Today

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

CD Term ND Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.545% $127.24 $254.47 $636.18 $1,272.35
6-Month CD 3.370% $168.48 $336.97 $842.43 $1,684.85
12-Month CD 3.329% $166.47 $332.94 $832.35 $1,664.70
18-Month CD 3.279% $163.97 $327.93 $819.83 $1,639.65
24-Month CD 3.131% $156.54 $313.08 $782.70 $1,565.40
36-Month CD 3.028% $151.38 $302.75 $756.88 $1,513.75
48-Month CD 3.048% $152.38 $304.76 $761.90 $1,523.80
60-Month CD 3.213% $160.66 $321.33 $803.32 $1,606.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for North Dakota Savers

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

Build Your Ladder
Rung Term Deposit ND Avg APY Annual Earnings
1 3-Month CD $5,000 2.545% $127.24
2 6-Month CD $5,000 3.370% $168.48
3 12-Month CD $5,000 3.329% $166.47
4 24-Month CD $5,000 3.131% $156.54
5 36-Month CD $5,000 3.028% $151.38
Total ($25,000 invested) $25,000 3.080% blended $770.11/yr

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

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479
CD Rates
Tracked in North Dakota
22 Banks 23 Credit Unions

About Our North Dakota CD Rate Database

MonitorBankRates tracks 479 CD rates from 22 banks and 23 credit unions with locations in North Dakota, plus national online institutions available to North Dakota 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 to 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: Dakota Community Bank & Trust offers a CD at 5.00% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in North Dakota.

How to Find the Best CD Rates in North Dakota

What to compare when shopping for a CD in North Dakota

To find the best APYs in North Dakota, start with credit unions and online-only banks: North Dakota has 23 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 North Dakota

  • 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 North Dakota: 45 institutions here report CD rates

Consider an Alternative If…

North Dakota Financial Snapshot

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

Population 65+
16.5%
National avg: 17.3%
Median Individual Earnings
$46,109
National avg: $47,340
Poverty Rate
10.8%
National avg: 11.1%
Unemployment Rate
2.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$154/yr
At ND 12-mo avg 3.329% APY

16.5% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s ND 12-month CD average of 3.329%, saving 10% of the local median salary ($4,610/year) and putting it in a CD would earn an additional $154 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 North Dakota

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 to 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 North Dakota

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 North Dakota 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 North Dakota as everywhere in the U.S.

Choosing a CD Term in North Dakota

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give North Dakota savers easier access to their funds. For example, Dakota Community Bank & Trust is offering its 6 MONTH CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Dakota Community Bank & Trust is offering its IRA 60 MONTH at 4.96% 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 North Dakota 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 North Dakota 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 North Dakota

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 North Dakota 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 North Dakota

Most CDs carry a fixed rate that is locked for the entire term, protecting a North Dakota 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 North Dakota

Are CD rates in North Dakota FDIC insured?

Yes, most established banks in North Dakota 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 North Dakota?

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 North Dakota.

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 North Dakota 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 North Dakota?

Here are recent top rates found for this area:
  • Dakota Community Bank & Trust: 5.00% APY (24 MONTH CD)
  • North Star Community Credit Union: 4.50% APY (Youth 18 Month)
  • Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Kirkwood Bank & Trust Co.: 4.37% APY (18 Month IRA CD)
  • Hometown Credit Union: 4.37% APY (Share Certificate - 24 months)
  • Railway Credit Union: 4.25% APY (60 month CD)
  • Town and Country Credit Union: 4.25% APY (24 Month CD)
  • Gate City Bank: 4.20% APY (2 Year Relationship CD)
  • Aspire Community Federal Credit Union: 4.20% APY (18 Month Share Certificate Special Rate)
Rates reflect recent verified offers available in North Dakota. Last Updated: October 13, 2026

North Dakota 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 North Dakota rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top North Dakota CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in North Dakota. Averages shown use the North Dakota state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for North Dakota

North Dakota CD Calculator

At today’s ND top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

North Dakota CD Ladder

ND CD rates currently range from 2.545% (3-month) to 3.028% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a North Dakota CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

North Dakota’s average 12-month CD is 3.329% 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 North Dakota 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 North Dakota 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 North Dakota. 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 ND.

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: October 13, 2026

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Cities in North Dakota

  • Abercrombie
  • Absaraka
  • Adams
  • Agate
  • Alamo
  • Alexander
  • Alice
  • Almont
  • Alsen
  • Ambrose
  • Amenia
  • Amidon
  • Anamoose
  • Aneta
  • Antler
  • Ardoch
  • Argusville
  • Arnegard
  • Arthur
  • Arvilla
  • Ashley
  • Ayr
  • Baldwin
  • Balfour
  • Balta
  • Bantry
  • Barney
  • Bathgate
  • Beach
  • Belcourt
  • Belfield
  • Benedict
  • Bergen
  • Berlin
  • Berthold
  • Beulah
  • Binford
  • Bisbee
  • Bismarck
  • Blanchard
  • Bottineau
  • Bowbells
  • Bowdon
  • Bowman
  • Braddock
  • Bremen
  • Briarwood
  • Brinsmade
  • Brocket
  • Buchanan
  • Bucyrus
  • Buffalo
  • Burlington
  • Butte
  • Buxton
  • Caledonia
  • Calio
  • Calvin
  • Cando
  • Cannon Ball
  • Canton City (Hensel)
  • Carpio
  • Carrington
  • Carson
  • Cartwright
  • Casselton
  • Cathay
  • Cavalier
  • Cayuga
  • Center
  • Chaffee
  • Chaseley
  • Christine
  • Churchs Ferry
  • Clay
  • Cleveland
  • Clifford
  • Cogswell
  • Coleharbor
  • Colfax
  • Colquhoun
  • Columbus
  • Conway
  • Cooperstown
  • Courtenay
  • Crary
  • Crosby
  • Crystal
  • Cummings
  • Dahlen
  • Davenport
  • Dawson
  • Dazey
  • Deering
  • Denhoff
  • Des Lacs
  • Devils Lake
  • Dickey
  • Dickinson
  • Dodge
  • Donnybrook
  • Douglas
  • Drake
  • Drayton
  • Driscoll
  • Dunn Center
  • Dunseith
  • Dwight
  • Eckelson
  • Edgeley
  • Edinburg
  • Edmore
  • Egeland
  • Elgin
  • Ellendale
  • Elliott
  • Emerado
  • Enderlin
  • Epping
  • Erie
  • Esmond
  • Fairdale
  • Fairfield
  • Fairmount
  • Fargo
  • Farmington
  • Fessenden
  • Fingal
  • Finley
  • Flasher
  • Flaxton
  • Forbes
  • Fordville
  • Forest River
  • Forman
  • Fort Ransom
  • Fort Totten
  • Fort Yates
  • Fortuna
  • Fredonia
  • Frontier
  • Fullerton
  • Gackle
  • Galesburg
  • Gardena
  • Gardner
  • Garrison
  • Gascoyne
  • Gilby
  • Gladstone
  • Glasston
  • Glen Ullin
  • Glenburn
  • Glenfield
  • Golden Valley
  • Golva
  • Goodrich
  • Grace City
  • Grafton
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  • Grandfield
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  • Grano
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  • Great Bend
  • Grenora
  • Gwinner
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  • Hamilton
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  • Inkster
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  • Kramer
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  • Lemmon
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  • Mooreton
  • Mott
  • Mountain
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  • Webster
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  • Wilton
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  • Wing
  • Wishek
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  • Woodworth
  • Wyndmere
  • York
  • Ypsilanti
  • Zahl
  • Zap
  • Zeeland