What are the best CD rates in Emerado, North Dakota?

Here are recent top rates found for this area: Dakota Plains Credit Union : 4.50% APY (24 Month IRA CD Certificates of Deposit (CDs)) First National B&T Co. of Bottineau : 4.14% APY (60 Month CD) Med Park Credit Union : 4.10% APY (6 Month CD) Fargo Public Schools Federal Credit Union : 4.00% APY (6 Month Share Certificate) Dakota Community Bank & Trust : 3.94% APY (IRA 60 MONTH) Border Bank : 3.85% APY (12 Month CD Special (Options12 CD)) KodaBank : 3.80% APY (3 Month CD) Rolette State Bank : 3.79% APY (60 Month CD) First State Bank of Harvey : 3.79% APY (6 Month CD) VISIONBank Saint Francis, MN : 3.75% APY (12 Month Certificate of Deposit)

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

MonitorBankRates

☰

iAdvertiser Disclosure

CD Rates Emerado, North Dakota (ND) for April 2026

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

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

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

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

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

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: April 12, 2026

Current Emerado, North Dakota CD rates include Dakota Plains Credit UnionDakota Plains Credit UnionA5.0 ★Texas Ratio: 8.57% offering 24 Month IRA CD Certificates of Deposit (CDs) at 4.50% APY, First National B&T Co. of BottineauFirst National B&T Co. of BottineauA+5.0 ★Texas Ratio: 0.84% offering 60 Month CD at 4.14% APY, Med Park Credit UnionMed Park Credit UnionA+5.0 ★Texas Ratio: 0.18% offering 6 Month CD at 4.10% APY, Fargo Public Schools Federal Credit UnionFargo Public Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.04% offering 6 Month Share Certificate at 4.00% APY, and Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.89% offering IRA 60 MONTH at 3.94% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Emerado is a smaller community with no bank or credit union branches currently in our database. 110 institutions serving the North Dakota area are available to Emerado residents, with CD rates as high as 4.50% APY from Dakota Plains Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026

Compare Best CD Rates in Emerado, North Dakota & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

3 Month CD

$100,000

3.80%

View

▼

Rate3.75%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

3 Month CD

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

compounded at maturity

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

3 Month (91 Day) CD

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 3-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

3 Month Certificate of Deposit

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

3 Month Relationship CD

3.40%

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

3 MONTH CD

$70,000

3.34%

View

▼

Rate3.30%

Min Deposit$70,000

Min Balance—

UpdatedApr 12, 2026

Details

Heartland State Bank Edgeley, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month CD

$500

3.29%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Western Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.92%

3 Month CD

$500

3.24%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

North Star Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.43%

STANDARD CERTIFICATES 3 Month

$500

2.75%

View

▼

Rate2.73%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

3 Month Certificates of Deposit (CDs)

0.90%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Fargo Public Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

3 Month Share Certificate

0.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

3 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Med Park Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

6 Month CD

4.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Fargo Public Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

6 Month Share Certificate

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

6 MONTH CD

$500,000

3.84%

View

▼

Rate3.80%

Min Deposit$500,000

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

6 Month CD

3.79%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

compounded at maturity

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

6 Month CD

$100,000

3.78%

View

▼

Rate3.75%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

American Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 2.47%

6-Month CD/IRA-CD

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rolette State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

6 Month CD

3.68%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

North Star Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.43%

STANDARD CERTIFICATES 6 Month

$500

3.60%

View

▼

Rate3.57%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

6 Month (182 Day) CD

3.58%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 6-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

Railway Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

6 month CD Investments

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Community Credit Union New Rockford, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

6 Month Share Term Certificate

3.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Gate City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

6 Month Relationship CD

3.35%

View

▼

Rate3.32%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Western Bank

Institution Rating:

B-4.3 ★Texas Ratio: 23.92%

6-Month CD

$500

3.28%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Northern Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

6 Month CD

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All certificates have a minimum deposit of $1,000 except for 17 & younger which have a minimum of $500

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

6 Month - Youth Certificates of Deposit (CDs)

2.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

6 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Border Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.69%

12 Month CD Special (Options12 CD)

$5,000

3.85%

View

▼

Rate—

Min Deposit$5,000

Min Balance—

UpdatedApr 12, 2026

Details

Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 3.85% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer.

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

12 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rolette State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

12 Month CD

3.68%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Med Park Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

12 Month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

1 Year (12 Month) CD

3.55%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Railway Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

12 month CD Investments

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

FSB of Cando

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA 1 Year

$50,000

3.45%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

12 Month CD

3.44%

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

IRA 12 MONTH

$100

3.43%

View

▼

Rate3.40%

Min Deposit$100

Min Balance—

UpdatedApr 12, 2026

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

12 Month CD

$25,000

3.40%

View

▼

Rate3.40%

Min Deposit$25,000

Min Balance—

UpdatedApr 12, 2026

Details

Town and Country Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

12 Month CD

3.30%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 12-Month

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

Hometown Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 19.78%

12 month Share Certificates

3.03%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 90 days dividends

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

12 month CD

$1,000

3.02%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Community Credit Union New Rockford, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

1 Year Jumbo Share Term Certificate

3.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Fargo Public Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

12 Month Share Certificate

2.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

12 Month Certificates of Deposit (CDs)

2.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First State B&T Williston, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

12 Month CD

1.90%

View

▼

Rate1.89%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

1 year Standard Fixed Rate CD

$2,500

1.51%

View

▼

Rate1.50%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

18 Month IRA CD Certificates of Deposit (CDs)

4.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

18 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rolette State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

18 Month CD

3.68%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First National B&T Co. of Bottineau

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 Month CD

3.53%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Kirkwood Bank & Trust Co.

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Month IRA CD

$1,000

3.51%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

18 Month CD

3.33%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

18 month CD

$1,000

3.08%

View

▼

Rate3.05%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

18 Month CD

3.03%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Heartland State Bank Edgeley, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Month CD

$500

3.02%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 18-Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

Fargo Public Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

18 Month Share Certificate

2.85%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Community Credit Union New Rockford, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

18 Month Jumbo Share Term Certificate

2.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

24 Month IRA CD Certificates of Deposit (CDs)

4.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

24 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

24 MONTH CD

$50,000

3.70%

View

▼

Rate3.70%

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

First National B&T Co. of Bottineau

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

24 Month CD

3.53%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

24 Month CD

$100,000

3.50%

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

2 Year (24 Month) CD

3.30%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Town and Country Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

24 Month CD

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

FSB of Cando

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA 2 Year

$50,000

3.15%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

24 Month CD

3.05%

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

24 month CD

$1,000

3.02%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Heartland State Bank Edgeley, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

24 Month CD

$500

3.00%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 24-Month

2.95%

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

Northern Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

24 Month CD

$1,000

2.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All certificates have a minimum deposit of $1,000 except for 17 & younger which have a minimum of $500

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

First National B&T Co. of Bottineau

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

36 Month CD, 2 Options

3.79%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

36 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

IRA 36 MONTH

$100

3.73%

View

▼

Rate3.70%

Min Deposit$100

Min Balance—

UpdatedApr 12, 2026

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

36 Month CD

$100,000

3.50%

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

3 Year (36 Month) CD

3.30%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Town and Country Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

36 Month CD

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

FSB of Cando

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA 3 Year

$50,000

3.10%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

36 month CD

$1,000

3.02%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Railway Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

36 month CD Investments

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Heartland State Bank Edgeley, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

36 Month Bump Rate CD

$500

2.75%

View

▼

Rate2.75%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 36-Month

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

First State B&T Williston, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

36 Month CD

2.20%

View

▼

Rate2.18%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Plains Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

36 Month Certificates of Deposit (CDs)

1.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

48 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rolette State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

48 Month CD

3.58%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

48 Month CD

$100,000

3.50%

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Town and Country Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

48 Month CD

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

48 month CD

$1,000

3.02%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

FSB of Cando

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA 4 Year

$50,000

3.00%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

Railway Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

48 month CD Investments

2.96%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First State B&T Williston, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

48 Month CD

2.30%

View

▼

Rate2.28%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

First National B&T Co. of Bottineau

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

60 Month CD

4.14%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

IRA 60 MONTH

$100

3.94%

View

▼

Rate3.90%

Min Deposit$100

Min Balance—

UpdatedApr 12, 2026

Details

Rolette State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

60 Month CD

3.79%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

VISIONBank Saint Francis, MN

Institution Rating:

A5.0 ★Texas Ratio: 6.85%

60 Month Certificate of Deposit

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

KodaBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

60 Month CD

$100,000

3.60%

View

▼

Rate3.60%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Railway Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

60 month CD Investments

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Bell Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.41%

5 Year (60 Month) CD

3.30%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

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

Town and Country Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

60 Month CD

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First State Bank of Harvey

Institution Rating:

A-4.9 ★Texas Ratio: 16.18%

60 Month CD

3.03%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Goose River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

60 month CD

$1,000

3.02%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Capital Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

Certificates of Deposit Minimum Balance 60-Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

$500

FSB of Cando

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA 5 Year

$25,000

2.90%

View

▼

Rate—

Min Deposit$25,000

Min Balance—

UpdatedApr 12, 2026

Details

Heartland State Bank Edgeley, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

5 Year CD

$500

2.75%

View

▼

Rate2.75%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

First State B&T Williston, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

60 Month CD

2.40%

View

▼

Rate2.38%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Community Credit Union New Rockford, ND

Institution Rating:

A+5.0 ★Texas Ratio: 0.14%

5 Year Share Term Certificate

2.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Disclaimer

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

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

Emerado, ND CD Rate Trends

Compare local Emerado, ND 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

3.151%

▲ 0.042 vs 7 days ago

North Dakota 12-month CD rates rose 0.042 points over the past 7 days to 3.151% APY.

6-Month CD — ND Avg

3.210%

▲ 0.265 vs 7 days ago

North Dakota 6-month CD rates rose 0.265 points over the past 7 days to 3.210% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Emerado, North Dakota

Are CD rates in Emerado, North Dakota FDIC insured?

Yes, most established banks in Emerado, 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 Emerado, 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 Emerado, 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 Emerado, 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 Emerado, North Dakota?

Here are recent top rates found for this area:

Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD Certificates of Deposit (CDs))
First National B&T Co. of Bottineau: 4.14% APY (60 Month CD)
Med Park Credit Union: 4.10% APY (6 Month CD)
Fargo Public Schools Federal Credit Union: 4.00% APY (6 Month Share Certificate)
Dakota Community Bank & Trust: 3.94% APY (IRA 60 MONTH)
Border Bank: 3.85% APY (12 Month CD Special (Options12 CD))
KodaBank: 3.80% APY (3 Month CD)
Rolette State Bank: 3.79% APY (60 Month CD)
First State Bank of Harvey: 3.79% APY (6 Month CD)
VISIONBank Saint Francis, MN: 3.75% APY (12 Month Certificate of Deposit)

Rates reflect recent verified offers available in Emerado, North Dakota. Last Updated: April 12, 2026

CD Calculators

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Emerado, 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Emerado, 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: April 12, 2026

Emerado, North Dakota Rates & Resources

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