CD Rates North Dakota (ND) for April 2026

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.

North Dakota 12-month CD rates fell 0.199 points over the past 7 days to 2.951% APY.

North Dakota 6-month CD rates fell 0.402 points over the past 7 days to 2.807% APY.

ND CD Rate Forecast — Next 12 Months

Where are North Dakota CD rates headed through April 2027?

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

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 1.42% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

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.

About Our North Dakota CD Rate Database

MonitorBankRates tracks 228 CD rates from 15 banks and 12 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 (1–5), 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 Plains Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in North Dakota.