MonitorBankRates
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Minnewaukan, North Dakota Best CD Rates September 2026

Current Minnewaukan, North Dakota CD rates include North Star Community Credit UnionNorth Star Community Credit UnionA5.0 ★Texas Ratio: 11.00%Real return: +1.70%APY minus CPI (February 2026) offering Youth 18 Month at 4.50% APY, Dakota Plains Credit UnionDakota Plains Credit UnionA5.0 ★Texas Ratio: 7.91%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month IRA CD at 4.50% APY, Hometown Credit UnionHometown Credit UnionB4.6 ★Texas Ratio: 18.09%Real return: +1.57%APY minus CPI (February 2026) offering 60 months at 4.37% APY, Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.89%Real return: +1.55%APY minus CPI (February 2026) offering IRA 60 MONTH at 4.35% APY, and Aspire Community Federal Credit UnionAspire Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Share Certificate Special at 4.20% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.

Minnewaukan is a smaller community with no bank or credit union branches currently in our database. 369 institutions serving the North Dakota area are available to Minnewaukan residents, with CD rates as high as 4.50% APY from North Star Community 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: September 1, 2026

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

Minnewaukan 3 Month CD Rates

National 3 Month CD Average1.96% APY▲ 0.02% from last week
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%
3 MONTH CD
$0
3.85% ▲ 1.89% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD Special
$0
3.80% ▲ 1.84% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate
$5,000
3.75% ▲ 1.79% above national avg
Rate3.69%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

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. **3 Month Certificate requires a minimum deposit of $5,000.

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD Special
$0
3.70% ▲ 1.74% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.60% ▲ 1.64% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.60% ▲ 1.64% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

Payment Frequency: Maturity

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD Special
$0
3.60% ▲ 1.64% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Payment Frequency: Maturity

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3-Month
$0
3.55% ▲ 1.59% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$0
3.34% ▲ 1.38% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.38% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
3.29% ▲ 1.33% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Months
$500
3.25% ▲ 1.29% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Months
$500
3.25% ▲ 1.29% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
3 Month CD
$500
3.24% ▲ 1.28% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.28% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
3.19% ▲ 1.23% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.23% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$0
3.14% ▲ 1.18% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.18% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
3 months
$1,000
3.04% ▲ 1.08% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.08% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 MONTH CD
$0
3.03% ▲ 1.07% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month Certificate of Deposit
$1,000
3.03% ▲ 1.07% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Month (90 Day) CD
$0
2.90% ▲ 0.94% above national avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.94% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
3 Month
$0
2.75% ▲ 0.79% above national avg
Rate2.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Certificate
$0
2.05% ▲ 0.09% above national avg
Rate2.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.09% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Certificate
$0
1.95% ▼ 0.01% below national avg
Rate1.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.01% below avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Certificate
$0
1.90% ▼ 0.06% below national avg
Rate1.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.06% below avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Certificate
$0
1.85% ▼ 0.11% below national avg
Rate1.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.11% below avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Certificate
$0
1.80% ▼ 0.16% below national avg
Rate1.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.16% below avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
3 Months
$0
1.50% ▼ 0.46% below national avg
Rate1.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month
$50,000
0.90% ▼ 1.06% below national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month
$25,000
0.80% ▼ 1.16% below national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.16% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month CD
$0
0.80% ▼ 1.16% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.16% below avg
Details

Dacotah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3 Month CD
$0
0.70% ▼ 1.26% below national avg
Rate0.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.26% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month
$10,000
0.70% ▼ 1.26% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.26% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month CD
$0
0.70% ▼ 1.26% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.26% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month
$500
0.60% ▼ 1.36% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Month CD
$0
0.60% ▼ 1.36% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Share Certificate
$0
0.50% ▼ 1.46% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Share Certificate
$0
0.40% ▼ 1.56% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.56% below avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Share Certificate
$0
0.30% ▼ 1.66% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.66% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship Interest Rate 0.06%

Minnewaukan 6 Month CD Rates

National 6 Month CD Average2.67% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6-Month Certificate of Deposit
$500
4.15% ▲ 1.48% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.48% above avg
Details

With a minimum balance of just $500 and 100% of your deposit in new money, you'll earn 4.15% APY (Annual Percentage Yield). New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Fees may reduce earnings. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 6 months after the date it is opened. After 6 months, CD balance will automatically roll into a regular 6-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6-Month Special
$0
4.15% ▲ 1.48% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.48% above avg
Details

Flasher Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
6-Month Certificate of Deposit
$0
4.15% ▲ 1.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.48% above avg
Details

New money required. CD will mature 6 months after the date it is opened. After 6 months, CD balance will automatically roll into a regular 6-Month CD at the advertised rate on the date of rollover. Offer may end at any time and without notice.

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Months
$250
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 month CD
$0
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
CD Special 6 month
$0
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Certificate
$500
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

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.

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$0
3.94% ▲ 1.27% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.27% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$0
3.84% ▲ 1.17% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.17% above avg
Details

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 MONTH CD
$0
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.79% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details

First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month
$0
3.78% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.11% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month CD Special
$0
3.78% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.11% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6-Month
$0
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Share Certificate
$0
3.70% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details

Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA SHARE CERTIFICATES 6 Months
$0
3.70% ▲ 1.03% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month CD Special
$0
3.68% ▲ 1.01% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.01% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.68% ▲ 1.01% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.01% above avg
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
6 Month CD
$0
3.68% ▲ 1.01% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.01% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$0
3.63% ▲ 0.96% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.96% above avg
Details

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month Certificate of Deposit
$1,000
3.59% ▲ 0.92% above national avg
Rate3.56%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.92% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.58% ▲ 0.91% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.58% ▲ 0.91% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details

Payment Frequency: Maturity

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Month CD Special
$0
3.58% ▲ 0.91% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$0
3.55% ▲ 0.88% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.53% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.53% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details

Payment Frequency: Maturity

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
6 Month Certificate
$0
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month
$500
3.40% ▲ 0.73% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
6 Month
$0
3.40% ▲ 0.73% above national avg
Rate3.37%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
6 Month Certificate
$0
3.40% ▲ 0.73% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Month CD
$2,500
3.38% ▲ 0.71% above national avg
Rate3.35%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.71% above avg
Details

Balance: $25,000.00 and up

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
6 Month Certificate
$0
3.35% ▲ 0.68% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$0
3.33% ▲ 0.66% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.66% above avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
3.30% ▲ 0.63% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
6 Month Certificate
$0
3.30% ▲ 0.63% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Month CD
$2,500
3.28% ▲ 0.61% above national avg
Rate3.25%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.61% above avg
Details

Balance: $0 to $24,999.99

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
6-Month CD
$500
3.28% ▲ 0.61% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.61% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Months
$500
3.25% ▲ 0.58% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
6 Month Certificate
$0
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 MONTH CD
$0
3.12% ▲ 0.45% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.45% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
6 month
$1,000
3.04% ▲ 0.37% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
6 Months
$0
3.00% ▲ 0.33% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month (182 Day) CD
$0
2.85% ▲ 0.18% above national avg
Rate2.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.18% above avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month
$25,000
2.75% ▲ 0.08% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month - Youth
$25,000
2.75% ▲ 0.08% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month Youth CD
$0
2.75% ▲ 0.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month
$10,000
2.25% ▼ 0.42% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.42% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month - Youth
$10,000
2.25% ▼ 0.42% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.42% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month CD
$0
2.25% ▼ 0.42% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.42% below avg
Details

Minnewaukan 12 Month CD Rates

National 12 Month CD Average2.83% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12-Month Special
$0
4.15% ▲ 1.32% above national avg
Rate4.08%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12 MONTH CD
$0
4.10% ▲ 1.27% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 Month Certificate
$500
4.10% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details

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.

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Months
$500
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
12 Month Certificate
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
12 Month Certificate
$0
3.85% ▲ 1.02% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12 MONTH CD
$0
3.80% ▲ 0.97% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
12 Month Certificate
$0
3.80% ▲ 0.97% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
12 month CD
$0
3.75% ▲ 0.92% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
CD Special 12 month
$0
3.75% ▲ 0.92% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month CD
$0
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month Growth Builder CD
$0
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12-Month
$0
3.75% ▲ 0.92% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 12 MONTH
$0
3.73% ▲ 0.90% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.90% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Grow With Me CD 12 Month
$0
3.70% ▲ 0.87% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month CD
$0
3.68% ▲ 0.85% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.85% above avg
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month CD
$0
3.68% ▲ 0.85% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.85% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12 MONTH CD
$0
3.60% ▲ 0.77% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
12 Month CD
$1,000
3.60% ▲ 0.77% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1 Year Certificate
$0
3.60% ▲ 0.77% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1 Year Jumbo Certificate
$0
3.60% ▲ 0.77% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1 year (12 Month) CD
$0
3.55% ▲ 0.72% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 1 Year CD
$0
3.55% ▲ 0.72% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details

Payment Frequency: Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1 year (12 Month) CD
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Maturity

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 1 Year CD
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Payment Frequency: Maturity

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
12 Month Certificate of Deposit
$1,000
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12 Month CD Special
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
1 Year
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.67% above avg
Details

Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA SHARE CERTIFICATES 12 Months
$0
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$500
3.45% ▲ 0.62% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
12 Month
$500
3.45% ▲ 0.62% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12 MONTH CD
$0
3.40% ▲ 0.57% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12 Month CD Special
$0
3.40% ▲ 0.57% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month
$0
3.40% ▲ 0.57% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
12 Month
$0
3.40% ▲ 0.57% above national avg
Rate3.37%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1 Year CD
$2,500
3.35% ▲ 0.52% above national avg
Rate3.35%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details

Balance: $25,000.00 and up

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12 Month CD Special
$0
3.30% ▲ 0.47% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
12-Month CD
$500
3.30% ▲ 0.47% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 MONTH CD
$0
3.30% ▲ 0.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1 Year CD
$2,500
3.25% ▲ 0.42% above national avg
Rate3.25%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details

Balance: $0 to $24,999.99

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Months
$500
3.25% ▲ 0.42% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12 MONTH CD
$0
3.20% ▲ 0.37% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
12 month
$1,000
3.04% ▲ 0.21% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.21% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12-month CD
$1,000
3.02% ▲ 0.19% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.19% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA CD
$0
3.00% ▲ 0.17% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

IRA

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA Certificate
$100
3.00% ▲ 0.17% above national avg
Rate3.00%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 Month CD
$0
3.00% ▲ 0.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

Includes: High-Yield Earnings Guaranteed Fixed Rate Automatic Renewal Option Insured up to $250,000

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
12 Month
$25,000
3.00% ▲ 0.17% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

American State Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
12 Months
$0
2.90% ▲ 0.07% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details

Minnewaukan 18 Month CD Rates

National 18 Month CD Average2.68% APY▲ 0.04% from last week
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: 11.00%
Youth 18 Month
$0
4.50% ▲ 1.82% above national avg
Rate4.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.82% above avg
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

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month IRA CD
$500
4.25% ▲ 1.57% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
18 Month Share Certificate Special
$500
4.20% ▲ 1.52% above national avg
Rate4.13%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate
$500
4.05% ▲ 1.37% above national avg
Rate3.98%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details

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.

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Month Special
$0
4.00% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
18 Month Certificate
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
18 Month Certificate
$0
3.75% ▲ 1.07% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
18 Month Certificate
$0
3.70% ▲ 1.02% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month CD
$0
3.68% ▲ 1.00% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.00% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.58% ▲ 0.90% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details

Semiannually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.58% ▲ 0.90% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details

Payment Frequency: Semiannually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.53% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details

Semiannually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.53% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details

Payment Frequency: Semiannually

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month CD
$0
3.53% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA CD
$1,000
3.51% ▲ 0.83% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.83% above avg
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$2,500
3.31% ▲ 0.63% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.63% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Months
$500
3.25% ▲ 0.57% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details

Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA SHARE CERTIFICATES 18 Months
$0
3.10% ▲ 0.42% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18-month CD
$1,000
3.08% ▲ 0.40% above national avg
Rate3.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.40% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
18 months
$1,000
3.04% ▲ 0.36% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month
$0
3.02% ▲ 0.34% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.34% above avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Months
$500
3.00% ▲ 0.32% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
18 month
$0
3.00% ▲ 0.32% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month Certificate
$0
3.00% ▲ 0.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month Jumbo Certificate
$0
3.00% ▲ 0.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18-Month
$0
3.00% ▲ 0.32% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month
$0
2.92% ▲ 0.24% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.24% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Share Certificate
$0
2.85% ▲ 0.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.17% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Share Certificate
$0
2.80% ▲ 0.12% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.12% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Share Certificate
$0
2.75% ▲ 0.07% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.07% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
18 Months
$0
2.75% ▲ 0.07% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.07% above avg
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month variable
$0
2.20% ▼ 0.48% below national avg
Rate2.18%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.48% below avg
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month variable
$0
2.10% ▼ 0.58% below national avg
Rate2.08%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.58% below avg
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month variable
$0
2.00% ▼ 0.68% below national avg
Rate1.99%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month
$25,000
2.00% ▼ 0.68% below national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month
$10,000
1.90% ▼ 0.78% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.78% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month CD
$0
1.90% ▼ 0.78% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.78% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month
$500
1.80% ▼ 0.88% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.88% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month CD
$0
1.80% ▼ 0.88% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.88% below avg
Details

Minnewaukan 24 Month CD Rates

National 24 Month CD Average2.71% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
24 Month IRA CD
$500
4.50% ▲ 1.79% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.79% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$0
4.20% ▲ 1.49% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
24 months
$1,000
4.17% ▲ 1.46% above national avg
Rate4.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.46% above avg
Details

First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
24 Month
$0
4.00% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$0
4.00% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate
$500
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

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.

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 24 MONTH
$0
3.84% ▲ 1.13% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$0
3.80% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Certificate
$0
3.65% ▲ 0.94% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.55% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.55% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Payment Frequency: Annually

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Certificate
$0
3.55% ▲ 0.84% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month CD
$0
3.53% ▲ 0.82% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.82% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.50% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.50% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Payment Frequency: Annually

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$0
3.50% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD Special
$0
3.50% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
2 Year
$0
3.50% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.79% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Certificate
$0
3.45% ▲ 0.74% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
24 Month Certificate of Deposit
$1,000
3.40% ▲ 0.69% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD Special
$0
3.40% ▲ 0.69% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Certificate
$0
3.40% ▲ 0.69% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 MONTH CD
$0
3.30% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD Special
$0
3.30% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
24 month
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Months
$500
3.25% ▲ 0.54% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
24-Month CD
$500
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24 Month CD
$1,000
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
24 Month
$500
3.25% ▲ 0.54% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Grow With Me CD 24 Month
$0
3.25% ▲ 0.54% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
24 Month CD
$0
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2 Year CD
$2,500
3.10% ▲ 0.39% above national avg
Rate3.10%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details

Balance: $25,000.00 and up

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
24-month CD
$1,000
3.02% ▲ 0.31% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.31% above avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
24 Months
$500
3.00% ▲ 0.29% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2 Year CD
$2,500
3.00% ▲ 0.29% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details

Balance: $0 to $24,999.99

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month
$0
3.00% ▲ 0.29% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Month Share Certificate
$0
3.00% ▲ 0.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
24 Month
$0
3.00% ▲ 0.29% above national avg
Rate2.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
24-Month
$0
2.95% ▲ 0.24% above national avg
Rate2.91%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.24% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month
$0
2.90% ▲ 0.19% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

Riverfork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA SHARE CERTIFICATES 24 Months
$0
2.90% ▲ 0.19% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
24 Months
$0
2.85% ▲ 0.14% above national avg
Rate2.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.14% above avg
Details

American State Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
24 Months
$0
2.80% ▲ 0.09% above national avg
Rate2.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.09% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2 Year CD
$0
2.50% ▼ 0.21% below national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details

Western Cooperative Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
24 Month CD
$1,000
2.50% ▼ 0.21% below national avg
Rate2.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month CD
$0
2.00% ▼ 0.71% below national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.71% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
24 Month
$25,000
1.85% ▼ 0.86% below national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.86% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
24 Month
$10,000
1.75% ▼ 0.96% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.96% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
24 Month CD
$0
1.75% ▼ 0.96% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.96% below avg
Details

Minnewaukan 36 Month CD Rates

National 36 Month CD Average2.66% APY▲ 0.03% from last week
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 36 MONTH
$0
4.24% ▲ 1.59% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36 MONTH CD
$0
4.20% ▲ 1.55% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.55% above avg
Details

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month CD
$0
3.79% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate
$500
3.75% ▲ 1.10% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

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.

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.55% ▲ 0.90% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.55% ▲ 0.90% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

Payment Frequency: Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Payment Frequency: Annually

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD Special
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 Month Certificate
$0
3.50% ▲ 0.85% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD Special
$0
3.40% ▲ 0.75% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 Month Certificate
$0
3.40% ▲ 0.75% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 Month Certificate
$0
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month Certificate of Deposit
$1,000
3.30% ▲ 0.65% above national avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD Special
$0
3.30% ▲ 0.65% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 Month Certificate
$0
3.30% ▲ 0.65% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Months
$500
3.25% ▲ 0.60% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
36-Month CD
$500
3.25% ▲ 0.60% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
3 Year
$0
3.25% ▲ 0.60% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.60% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
36 Month
$500
3.25% ▲ 0.60% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

**

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 Month CD
$0
3.25% ▲ 0.60% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 Month Certificate
$0
3.25% ▲ 0.60% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Year CD
$2,500
3.10% ▲ 0.45% above national avg
Rate3.10%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details

Balance: $25,000.00 and up

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Year CD
$0
3.10% ▲ 0.45% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
36 months
$1,000
3.04% ▲ 0.39% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36-month CD
$1,000
3.02% ▲ 0.37% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Year CD
$2,500
3.00% ▲ 0.35% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details

Balance: $0 to $24,999.99

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$2,500
3.00% ▲ 0.35% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Month Share Certificate
$0
3.00% ▲ 0.35% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
36 month
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
36 Months
$0
3.00% ▲ 0.35% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36-month JUMP UP CD
$1,000
2.92% ▲ 0.27% above national avg
Rate2.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.27% above avg
Details

American State Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
36 Months
$0
2.80% ▲ 0.15% above national avg
Rate2.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.15% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Bump Rate
$0
2.75% ▲ 0.10% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Bump Rate

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36-Month
$0
2.50% ▼ 0.15% below national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Months
$500
2.35% ▼ 0.30% below national avg
Rate2.33%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.30% below avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month CD
$0
2.20% ▼ 0.45% below national avg
Rate2.19%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.45% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
36 Month
$25,000
1.75% ▼ 0.90% below national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.90% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
36 Month
$10,000
1.65% ▼ 1.01% below national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.01% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
36 Month CD
$0
1.65% ▼ 1.01% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.01% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
36 Month
$500
1.55% ▼ 1.10% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
36 Month CD
$0
1.55% ▼ 1.10% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details

Minnewaukan 48 Month CD Rates

National 48 Month CD Average2.66% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month CD
$0
3.58% ▲ 0.92% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.92% above avg
Details

Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
48 months
$1,000
3.55% ▲ 0.89% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD Special
$0
3.50% ▲ 0.84% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Certificate
$500
3.50% ▲ 0.84% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

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.

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD Special
$0
3.40% ▲ 0.74% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD Special
$0
3.30% ▲ 0.64% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Months
$500
3.25% ▲ 0.59% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
48-Month CD
$500
3.25% ▲ 0.59% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
48 Month
$500
3.25% ▲ 0.59% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

**

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
48 Month CD
$0
3.25% ▲ 0.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 Month Certificate
$0
3.25% ▲ 0.59% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month Certificate of Deposit
$1,000
3.15% ▲ 0.49% above national avg
Rate3.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 Month Certificate
$0
3.15% ▲ 0.49% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 Month Certificate
$0
3.10% ▲ 0.44% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
48 Months
$0
3.05% ▲ 0.39% above national avg
Rate3.05%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 Month Certificate
$0
3.05% ▲ 0.39% above national avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48-month CD
$1,000
3.02% ▲ 0.36% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.36% above avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4 Year CD
$0
3.00% ▲ 0.34% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$2,500
3.00% ▲ 0.34% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
48 Month
$0
3.00% ▲ 0.34% above national avg
Rate2.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 Month Certificate
$0
3.00% ▲ 0.34% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
48 month
$0
2.96% ▲ 0.30% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.30% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48-month JUMP UP CD
$1,000
2.92% ▲ 0.26% above national avg
Rate2.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.26% above avg
Details

American State Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
48 Months
$0
2.80% ▲ 0.14% above national avg
Rate2.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Months
$500
2.45% ▼ 0.21% below national avg
Rate2.42%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.21% below avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month CD
$0
2.30% ▼ 0.36% below national avg
Rate2.28%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.36% below avg
Details

Minnewaukan 60 Month CD Rates

National 60 Month CD Average2.76% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hometown Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.09%
60 months
$1,000
4.37% ▲ 1.61% above national avg
Rate4.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.61% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 60 MONTH
$0
4.35% ▲ 1.59% above national avg
Rate4.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.59% above avg
Details

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 MONTH CD
$0
4.30% ▲ 1.54% above national avg
Rate4.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details

First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 Month CD
$0
4.14% ▲ 1.38% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.38% above avg
Details

Rolette State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
60 Month CD
$0
3.79% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 1.03% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD Special
$0
3.60% ▲ 0.84% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.55% ▲ 0.79% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.55% ▲ 0.79% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

Payment Frequency: Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.50% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

Annually

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.50% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

Payment Frequency: Annually

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD Special
$0
3.50% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

KodaBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD Special
$0
3.40% ▲ 0.64% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 month
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 Month Certificate
$0
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details

Bank Forward
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Months
$500
3.25% ▲ 0.49% above national avg
Rate3.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
60-Month CD
$500
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

United Valley Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.17%
5 Year
$0
3.25% ▲ 0.49% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.49% above avg
Details

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
60 Month
$500
3.25% ▲ 0.49% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

**

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
60 Month CD
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 Month Certificate
$0
3.25% ▲ 0.49% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Dakota West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
60 Months
$0
3.20% ▲ 0.44% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 Month Certificate
$0
3.20% ▲ 0.44% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details

Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 month Bump Rate
$0
3.15% ▲ 0.39% above national avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 Month Certificate
$0
3.15% ▲ 0.39% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5 Year CD
$2,500
3.10% ▲ 0.34% above national avg
Rate3.10%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Balance: $25,000.00 and up

Magnifi Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 Month Certificate
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60-month CD
$1,000
3.02% ▲ 0.26% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.26% above avg
Details

First State Bank (ND)
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5 Year CD
$2,500
3.00% ▲ 0.24% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

Balance: $0 to $24,999.99

BankNorth
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Certificate of Deposit
$1,000
3.00% ▲ 0.24% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$2,500
3.00% ▲ 0.24% above national avg
Rate3.00%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
60-Month
$0
3.00% ▲ 0.24% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
60 Month
$0
3.00% ▲ 0.24% above national avg
Rate2.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

60M allows 1-time rate bump after 18 months

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
60 Month Certificate
$500
3.00% ▲ 0.24% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details

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.

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60-month JUMP UP CD
$1,000
2.92% ▲ 0.16% above national avg
Rate2.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.16% above avg
Details

American State Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 19.04%
60 Months
$0
2.80% ▲ 0.04% above national avg
Rate2.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year
$0
2.75% ▼ 0.01% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details

Community Credit Union New Rockford, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
5 Year Certificate
$0
2.75% ▼ 0.01% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year
$0
2.65% ▼ 0.11% below national avg
Rate2.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.11% below avg
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
60 Months
$500
2.50% ▼ 0.26% below national avg
Rate2.47%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, 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.

First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month CD
$0
2.40% ▼ 0.36% below national avg
Rate2.38%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.36% below avg
Details

Gate City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
5 Year CD
$0
2.25% ▼ 0.51% below national avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details

Dacotah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
24-36-48-60 month CD
$0
1.75% ▼ 1.01% below national avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.01% below avg
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.

Top CD Rates from Minnewaukan, North Dakota Institutions

Highest verified APYs available today — updated September 1, 2026

B Top 5 Bank Rates
Dakota Community Bank & Trust
IRA 60 MONTH
A+ 5.0 ★ TX: 0.89%
Min: $0
4.35%
First National B&T Co. of Bottineau
60 Month CD
A+ 5.0 ★ TX: 0.84%
Min: $0
4.14%
First Western Bank & Trust
24 Month
A 5.0 ★ TX: 12.40%
Min: $0
4.00%
KodaBank
3 Month CD Special
A+ 5.0 ★ TX: 0.61%
Min: $0
3.80%
Heartland State Bank Edgeley, ND
6 Month
A+ 5.0 ★ TX: 0.00%
Min: $0
3.79%
CU Top 5 Credit Union Rates
North Star Community Credit Union
Youth 18 Month
A 5.0 ★ TX: 11.00%
Min: $0
4.50%
Dakota Plains Credit Union
24 Month IRA CD
A 5.0 ★ TX: 7.91%
Min: $500
4.50%
Hometown Credit Union
60 months
B 4.6 ★ TX: 18.09%
Min: $1,000
4.37%
Aspire Community Federal Credit Union
18 Month Share Certificate Special
A+ 5.0 ★ TX: 3.73%
Min: $500
4.20%
Capital Credit Union
12-Month Special
A 5.0 ★ TX: 10.54%
Min: $0
4.15%
Rates verified September 1, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Minnewaukan, ND CD Rate Trends

Compare local Minnewaukan, 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
2.833%
▼ 0.246 vs 7 days ago

North Dakota 12-month CD rates fell 0.246 points over the past 7 days to 2.833% APY.

6-Month CD — ND Avg
2.672%
▼ 0.332 vs 7 days ago

North Dakota 6-month CD rates fell 0.332 points over the past 7 days to 2.672% APY.

As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

ND CD Rate Forecast — Next 12 Months

Where are North Dakota CD rates headed through September 2027?

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

ND 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%

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 1.54% 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.

Powered by MonitorBankRates

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 1.964% $98.19 $196.38 $490.95 $981.90
6-Month CD 2.672% $133.62 $267.23 $668.08 $1,336.15
12-Month CD 2.833% $141.64 $283.28 $708.20 $1,416.40
18-Month CD 2.677% $133.84 $267.67 $669.18 $1,338.35
24-Month CD 2.711% $135.57 $271.14 $677.85 $1,355.70
36-Month CD 2.655% $132.75 $265.50 $663.75 $1,327.50
48-Month CD 2.657% $132.83 $265.66 $664.15 $1,328.30
60-Month CD 2.760% $138.00 $276.00 $690.00 $1,380.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026.

Sample CD Ladder for Minnewaukan, 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 1.964% $98.19
2 6-Month CD $5,000 2.672% $133.62
3 12-Month CD $5,000 2.833% $141.64
4 24-Month CD $5,000 2.711% $135.57
5 36-Month CD $5,000 2.655% $132.75
Total ($25,000 invested) $25,000 2.567% blended $641.77/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.

322
CD Rates
Tracked in Minnewaukan, North Dakota
19 Banks 18 Credit Unions

About Our Minnewaukan, North Dakota CD Rate Database

MonitorBankRates tracks 322 CD rates from 19 banks and 18 credit unions with locations in Minnewaukan, 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: North Star Community Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Minnewaukan, North Dakota.

How to Find the Best CD Rates in Minnewaukan, North Dakota

What to compare when shopping for a CD in Minnewaukan, North Dakota

To find the best APYs in Minnewaukan, North Dakota, start with credit unions and online-only banks — Minnewaukan, North Dakota has 18 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 Minnewaukan, 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 Minnewaukan, North Dakota — 37 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 (state-level data shown — city data not available)

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
$131/yr
At ND 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,610/year) and putting it in a CD would earn an additional $131 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 Minnewaukan, 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 (90–180 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 Minnewaukan, 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 Minnewaukan, 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 Minnewaukan, North Dakota as everywhere in the U.S.

Choosing a CD Term in Minnewaukan, 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 Minnewaukan, North Dakota savers easier access to their funds. For example, Capital Credit Union is offering its 6-Month Certificate of Deposit at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hometown Credit Union is offering its 60 months at 4.37% 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 Minnewaukan, 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 Minnewaukan, 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 Minnewaukan, 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 Minnewaukan, 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 Minnewaukan, North Dakota

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

Are CD rates in Minnewaukan, North Dakota FDIC insured?

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

Here are recent top rates found for this area:
  • North Star Community Credit Union: 4.50% APY (Youth 18 Month)
  • Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD)
  • Hometown Credit Union: 4.37% APY (60 months)
  • Dakota Community Bank & Trust: 4.35% APY (IRA 60 MONTH)
  • Aspire Community Federal Credit Union: 4.20% APY (18 Month Share Certificate Special)
  • Capital Credit Union: 4.15% APY (12-Month Special)
  • Flasher Community Credit Union: 4.15% APY (6-Month Certificate of Deposit)
  • First National B&T Co. of Bottineau: 4.14% APY (60 Month CD)
  • Empeople Credit Union: 4.10% APY (12 Month Certificate)
  • Service Federal Credit Union: 4.00% APY (12 Months)
Rates reflect recent verified offers available in Minnewaukan, North Dakota. Last Updated: September 1, 2026

Minnewaukan, 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 Minnewaukan, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Minnewaukan, North Dakota CD Rates by Term

Verified September 1, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Minnewaukan, North Dakota. Averages shown use the North Dakota state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Minnewaukan, 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 Minnewaukan, 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 Minnewaukan, 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: September 1, 2026

Minnewaukan, North Dakota Rates & Resources