CD Rates Robinson, North Dakota (ND) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Robinson, North Dakota CD rates include Dakota Plains Credit UnionDakota Plains Credit UnionA5.0 ★Texas Ratio: 8.57%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month IRA CD Certificates of Deposit (CDs) at 4.50% APY, First National B&T Co. of BottineauFirst National B&T Co. of BottineauA+5.0 ★Texas Ratio: 0.84%Real return: +1.34%APY minus CPI (February 2026) offering 60 Month CD at 4.14% APY, Med Park Credit UnionMed Park Credit UnionA+5.0 ★Texas Ratio: 0.18%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY, Fargo Public Schools Federal Credit UnionFargo Public Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.04%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Share Certificate at 4.00% APY, and Dakota Community Bank & TrustDakota Community Bank & TrustA+5.0 ★Texas Ratio: 0.89%Real return: +1.14%APY minus CPI (February 2026) offering IRA 60 MONTH at 3.94% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Robinson is a smaller community with no bank or credit union branches currently in our database. 110 institutions serving the North Dakota area are available to Robinson residents, with CD rates as high as 4.50% APY from Dakota Plains Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 13, 2026
Compare Best CD Rates in Robinson, North Dakota & the Surrounding Area
compounded at maturity
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$500
compounded at maturity
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
All certificates have a minimum deposit of $1,000 except for 17 & younger which have a minimum of $500
Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 3.85% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer.
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$500
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
$500
All certificates have a minimum deposit of $1,000 except for 17 & younger which have a minimum of $500
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
$500
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
$500
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Robinson, ND CD Rate Trends
Compare local Robinson, 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.
North Dakota 12-month CD rates currently average 3.151% APY based on data from institutions in our monitoring network.
North Dakota 6-month CD rates currently average 3.210% APY based on data from institutions in our monitoring network.
ND CD Rate Forecast — Next 12 Months
Where are North Dakota CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at ND CD Rates Today
Annual interest earnings at today’s North Dakota average APYs. State average used where available; national average as fallback.
| CD Term | ND Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.916% | $145.78 | $291.56 | $728.90 | $1,457.80 |
| 6-Month CD | 3.210% | $160.49 | $320.97 | $802.43 | $1,604.85 |
| 12-Month CD | 3.151% | $157.55 | $315.10 | $787.75 | $1,575.50 |
| 18-Month CD | 3.098% | $154.90 | $309.80 | $774.50 | $1,549.00 |
| 24-Month CD | 3.159% | $157.96 | $315.92 | $789.80 | $1,579.60 |
| 36-Month CD | 3.109% | $155.43 | $310.85 | $777.13 | $1,554.25 |
| 48-Month CD | 3.210% | $160.51 | $321.02 | $802.55 | $1,605.10 |
| 60-Month CD | 3.178% | $158.91 | $317.81 | $794.53 | $1,589.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Robinson, 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.
| Rung | Term | Deposit | ND Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.916% | $145.78 |
| 2 | 6-Month CD | $5,000 | 3.210% | $160.49 |
| 3 | 12-Month CD | $5,000 | 3.151% | $157.55 |
| 4 | 24-Month CD | $5,000 | 3.159% | $157.96 |
| 5 | 36-Month CD | $5,000 | 3.109% | $155.43 |
| Total ($25,000 invested) | $25,000 | 3.109% blended | $777.21/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.
in Robinson, North Dakota
About Our Robinson, North Dakota CD Rate Database
MonitorBankRates tracks CD rates from 17 banks and 10 credit unions with locations in Robinson, North Dakota, plus national online institutions available to North Dakota residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Dakota Plains Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Robinson, North Dakota.
How to Find the Best CD Rates in Robinson, North Dakota
What to compare when shopping for a CD in Robinson, North Dakota
To find the best APYs in Robinson, North Dakota, start with credit unions and online-only banks — Robinson, North Dakota has 10 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 Robinson, 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 Robinson, North Dakota — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Robinson, North Dakota savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Robinson, North Dakota money market rates
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)
16.5% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s ND 12-month CD average of 3.151%, saving 10% of the local median salary ($4,610/year) and putting it in a CD would earn an additional $145 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 Robinson, 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 |
Frequently Asked Questions about CD Rates in Robinson, North Dakota
Are CD rates in Robinson, North Dakota FDIC insured?
Do I have to pay state taxes on CD interest in Robinson, North Dakota?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Robinson, North Dakota?
- Dakota Plains Credit Union: 4.50% APY (24 Month IRA CD Certificates of Deposit (CDs))
- First National B&T Co. of Bottineau: 4.14% APY (60 Month CD)
- Med Park Credit Union: 4.10% APY (6 Month CD)
- Fargo Public Schools Federal Credit Union: 4.00% APY (6 Month Share Certificate)
- Dakota Community Bank & Trust: 3.94% APY (IRA 60 MONTH)
- Border Bank: 3.85% APY (12 Month CD Special (Options12 CD))
- KodaBank: 3.80% APY (3 Month CD)
- Rolette State Bank: 3.79% APY (60 Month CD)
- First State Bank of Harvey: 3.79% APY (6 Month CD)
- VISIONBank Saint Francis, MN: 3.75% APY (12 Month Certificate of Deposit)
CD Calculators for Robinson, North Dakota
At today’s ND top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Robinson, North Dakota CD LadderND CD rates currently range from 2.916% (3-month) to 3.109% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Robinson, North Dakota CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Dakota’s average 12-month CD is 3.151% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Robinson, North Dakota directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Robinson, 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.
