MonitorBankRates
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CD Rates Mchenry, North Dakota (ND) for April 2026

Current Mchenry, 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, 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, Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.89% offering IRA 60 MONTH at 3.94% APY, and KodaBankKodaBankA+5.0 ★Texas Ratio: 0.61% offering 3 Month CD at 3.80% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Mchenry is a smaller community with no bank or credit union branches currently in our database. 102 institutions serving the North Dakota area are available to Mchenry 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 5, 2026

Compare Best CD Rates in Mchenry, 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%
Rate3.75%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
3 Month CD
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

compounded at maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 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
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate of Deposit
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Month Relationship CD
$0
3.40%
Rate3.36%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$70,000
3.34%
Rate3.30%
Min Deposit$70,000
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
3.29%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
3 Month CD
$500
3.24%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.43%
STANDARD CERTIFICATES 3 Month
$500
2.75%
Rate2.73%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3 Month Certificates of Deposit (CDs)
$0
0.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Share Certificate
$0
0.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 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
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Share Certificate
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$500,000
3.84%
Rate3.80%
Min Deposit$500,000
Min Balance
UpdatedApr 5, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
6 Month CD
$0
3.79%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

compounded at maturity

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month CD
$100,000
3.78%
Rate3.75%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

American Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-Month CD/IRA-CD
$0
3.70%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$500
3.68%
Rate3.65%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.43%
STANDARD CERTIFICATES 6 Month
$500
3.60%
Rate3.57%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.58%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 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
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 month CD Investments
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Share Term Certificate
$0
3.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Month Certificate of Deposit
$2,500
3.38%
Rate3.35%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month Relationship CD
$0
3.35%
Rate3.32%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
6-Month CD
$500
3.28%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month CD
$1,000
3.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 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)
$0
2.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 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%
12 Month Certificate of Deposit
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month CD
$0
3.68%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month CD
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
Share Certificates 12 month
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Early Withdrawal Penalty: 90 days dividends

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
12 month CD Investments
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Share Certificate
$500
3.45%
Rate3.40%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Minimum deposit: $500

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
12 Month CD
$0
3.44%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 12 MONTH
$100
3.43%
Rate3.40%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$500
3.40%
Rate3.40%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1 Year Certificate of Deposit
$2,500
3.35%
Rate3.35%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
12-Month CD
$500
3.30%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Certificates of Deposit Minimum Balance 12-Month
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12 month CD
$1,000
3.02%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1 Year Jumbo Share Term Certificate
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Share Certificate
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12 Month Certificates of Deposit (CDs)
$0
2.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
12 Month CD
$0
1.90%
Rate1.89%
Min Deposit$0
Min Balance
UpdatedApr 5, 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)
$0
4.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate of Deposit
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month CD
$0
3.68%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.33%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 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%
Rate3.05%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
18 Month CD
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$500
3.02%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 month CD Investments
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Share Certificate
$0
2.85%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month Jumbo Share Term Certificate
$0
2.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 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)
$0
4.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate of Deposit
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$50,000
3.70%
Rate3.70%
Min Deposit$50,000
Min Balance
UpdatedApr 5, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD
$100,000
3.50%
Rate3.50%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
24 month CD Investments
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
24-Month CD
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2 Year Certificate of Deposit
$2,500
3.10%
Rate3.10%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
24 Month CD
$0
3.05%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
24 month CD
$1,000
3.02%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$500
3.00%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Certificates of Deposit Minimum Balance 24-Month
$0
2.95%
Rate2.91%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24 Month CD
$1,000
2.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 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
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate of Deposit
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 36 MONTH
$100
3.73%
Rate3.70%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD
$100,000
3.50%
Rate3.50%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.30%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
36-Month CD
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Year Certificate of Deposit
$2,500
3.10%
Rate3.10%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36 month CD
$1,000
3.02%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
36 month CD Investments
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Bump Rate CD
$500
2.75%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Certificates of Deposit Minimum Balance 36-Month
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month CD
$0
2.20%
Rate2.18%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
36 Month Certificates of Deposit (CDs)
$0
1.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 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
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month CD
$0
3.58%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD
$100,000
3.50%
Rate3.50%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
48-Month CD
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48 month CD
$1,000
3.02%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.43%
STANDARD CERTIFICATES 48 Month
$500
3.00%
Rate2.98%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
48 month CD Investments
$0
2.96%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month CD
$0
2.30%
Rate2.28%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 0.89%
IRA 60 MONTH
$100
3.94%
Rate3.90%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
60 Month CD
$0
3.79%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
60 Month Certificate of Deposit
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD
$100,000
3.60%
Rate3.60%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
60 month CD Investments
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.30%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
60-Month CD
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5 Year Certificate of Deposit
$2,500
3.10%
Rate3.10%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

First State Bank of Harvey
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
60 Month CD
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60 month CD
$1,000
3.02%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Certificates of Deposit Minimum Balance 60-Month
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$500
2.75%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month CD
$0
2.40%
Rate2.38%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
5 Year Share Term Certificate
$0
2.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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.

Mchenry, ND CD Rate Trends

Compare local Mchenry, ND CD rate quotes against the statewide average

Weekly 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
3.019%
▼ 0.214 from last week

North Dakota 12-month CD rates fell 0.214 points this week to 3.019% APY.

6-Month CD — ND Avg
2.938%
▼ 0.436 from last week

North Dakota 6-month CD rates fell 0.436 points this week to 2.938% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Mchenry, North Dakota

Are CD rates in Mchenry, North Dakota FDIC insured?

Yes, most established banks in Mchenry, 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 Mchenry, 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 Mchenry, 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 Mchenry, 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 Mchenry, 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))
  • 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)
  • 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 (24 Month Certificate of Deposit)
  • American Bank & Trust: 3.70% APY (6-Month CD/IRA-CD)
  • Heartland State Bank Edgeley, ND: 3.68% APY (6 Month CD)
Rates reflect recent verified offers available in Mchenry, North Dakota. Last Updated: April 5, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mchenry, 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 Mchenry, 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 5, 2026