Best 4-Year CD Rates in Minnesota, MN

You are viewing rates from banks across Minnesota

Below are four-year CD Rates from banks in Minnesota . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

MN - August 4, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
VisionBank Visionbank Branch	3.95%	$1,000	-	Learn More Add Review
Rate History: 3.30% → 3.50%
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
BankVista Bankvista Branch	2.75%	$1,000	-	Learn More Add Review
Rate History: 1.25% → 1.26% → 2.75%
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Profinium, Inc. Profinium, Inc. Branch	2.63%	$500	-	Learn More Add Review
AMERIPRISE BANK, FSB Ameriprise National Trust Bank Branch	2.50%	$0	-	Learn More Add Review
Rate History: 3.00% → 2.90% → 2.75% → 2.70% → 2.50%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hometown Community Bank Forada Branch	1.75%	$10,000	-	Learn More Add Review
First Independent Bank Wood Lake Branch	1.72%	$1,000	-	Learn More Add Review
Lowry State Bank Lowry State Bank Branch	1.72%	$10,000	-	Learn More Add Review
Wadena State Bank Deer Creek Branch	1.66%	$10,000	-	Learn More
Jane T \| Dec 4, 2020 Very easy to do business with, low mortgage interest rates without all the fees that other Banks charge. No games or hidden costs, just good service. Read More Reviews (1)
First National Bank Cook Branch	1.51%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Concorde Bank Concorde Bank Branch	1.46%	$500	-	Learn More Add Review
Unity Bank	1.45%	$100,000	-	Learn More Add Review
Glenwood State Bank (Incorporated) Detached Facility Branch	1.41%	$100,000	-	Learn More Add Review
Security State Bank of Aitkin Paulbecks County Market Branch	1.36%	$10,000	-	Learn More Add Review
PrinsBank Prinsbank Branch	1.36%	$10,000	-	Learn More
lloyde mille3r \| Mar 29, 2017 my ira Read More Reviews (1)
Unity Bank	1.35%	$500	-	Learn More Add Review
Falcon National Bank Falcon National Bank Branch	1.31%	$100,000	-	Learn More Add Review
The First National Bank of Osakis The First National Bank Of Osakis Branch	1.31%	$100,000	-	Learn More Add Review
Citizens Bank & Trust Co. South Office Branch	1.31%	$10,000	-	Learn More Add Review
Bonanza Valley State Bank Bonanza Valley State Bank Branch	1.30%	$500	-	Learn More Add Review
Park State Bank Park State Bank - Lafayette Bldg. Br Branch	1.27%	$10,000	-	Learn More Add Review
First Community Bank First Community Bank Branch	1.26%	$25,000	-	Learn More Add Review
Northview Bank Drive-In Facility Branch	1.26%	$100,000	-	Learn More Add Review
First Bank Elk River The First National Bank Of Elk River Branch	1.26%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank Vadnais Heights Branch	1.26%	$100,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Security Bank USA Detached Facility Branch	1.26%	$100,000	-	Learn More Add Review
The First National Bank of Osakis The First National Bank Of Osakis Branch	1.26%	$10,000	-	Learn More Add Review
Mid-Central Federal Savings Bank Long Prairie Branch	1.26%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
American National Bank of Minnesota Fergus Falls Branch	1.25%	$10,000	-	Learn More Add Review
VIKING BANK, NATIONAL ASSOCIATION Viking Bank Branch	1.25%	$10,000	-	Learn More Add Review
Center National Bank Center National Bank Branch	1.25%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.25%
United Minnesota Bank United Minnesota Bank Branch	1.25%	$10,000	-	Learn More Add Review
Granite Falls Bank Granite Falls Bank Branch	1.25%	$10,000	-	Learn More Add Review
Drake Bank Drake Bank Branch	1.25%	$10,000	-	Learn More Add Review
Neighborhood National Bank Alexandria Branch	1.21%	$1,000	-	Learn More Add Review
Northview Bank Drive-In Facility Branch	1.21%	$10,000	-	Learn More Add Review
Glenwood State Bank (Incorporated) Detached Facility Branch	1.21%	$10,000	-	Learn More Add Review
Platinum Bank Platinum Bank Branch	1.20%	$100,000	-	Learn More Add Review
First State Bank of Grove City First State Bank Of Grove City Branch	1.20%	$10,000	-	Learn More Add Review
The First National Bank of Bemidji South Branch	1.16%	$100,000	-	Learn More Add Review
Star Bank Annandale Branch	1.16%	$10,000	-	Learn More Add Review
BANKWEST Bankwest Branch	1.16%	$2,000	-	Learn More Add Review
Heritage Bank National Association Willmar Branch	1.15%	$2,000	-	Learn More
Rate History: 0.24% → 0.26% → 1.15%
WPT \| Nov 2, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. Read More Reviews (14)
First Citizens Bank Mora Branch	1.10%	$100,000	-	Learn More Add Review
Cornerstone State Bank Le Sueur Branch	1.10%	$75,000	-	Learn More Add Review
Midwest Bank Midwest Bank Branch	1.10%	$100,000	-	Learn More Add Review
Security Bank USA Detached Facility Branch	1.10%	$10,000	-	Learn More Add Review
KodaBank Stephen Branch	1.10%	$100,000	-	Learn More Add Review
Bank Forward Bemidji Branch	1.10%	$10,000	-	Learn More Add Review
HomeTown Bank Henderson Branch	1.10%	$10,000	-	Learn More Add Review
First National Bank North Akeley Branch	1.10%	$500	-	Learn More Add Review
Manufacturers Bank & Trust Company Rochester Branch	1.10%	$100,000	-	Learn More Add Review
Security State Bank of Kenyon Security State Bank Of Kenyon Branch	1.10%	$10,000	-	Learn More Add Review
Harvest Bank Harvest Bank Branch	1.10%	$100,000	-	Learn More Add Review
Lake Region Bank Detached Facility Branch	1.10%	$10,000	-	Learn More Add Review
Riverland Bank Riverland Bank Branch	1.10%	$10,000	-	Learn More Add Review
Randall State Bank Randall State Bank Branch	1.06%	$1	-	Learn More Add Review
Woodland Bank Hill City Office Branch	1.05%	$500	-	Learn More Add Review
Currie State Bank Currie State Bank Branch	1.05%	$500	-	Learn More Add Review
Farmers & Merchants Savings Bank Vadnais Heights Branch	1.05%	$10,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Falcon National Bank Falcon National Bank Branch	1.05%	$10,000	-	Learn More Add Review
The First National Bank of Bagley The First National Bank Of Bagley Branch	1.05%	$25,000	-	Learn More Add Review
The First National Bank of Bemidji South Branch	1.05%	$10,000	-	Learn More Add Review
Citizens Alliance Bank Lake Lillian Branch	1.05%	$10,000	-	Learn More
Worst banking experience ever \| Jan 28, 2024 This is by far the worst banking experience I have ever had. They fail to understand the simple concept that you are the customer and that they are providing a service for you. They consistently slapped qu... Read More Reviews (1)
North American Banking Company Woodbury Branch	1.05%	$100,000	-	Learn More Add Review
Adrian State Bank Adrian State Bank Branch	1.05%	$1,000	-	Learn More Add Review
American State Bank of Grygla American State Bank Of Grygla Branch	1.00%	$500	-	Learn More Add Review
State Bank of New Richland State Bank Of New Richland Branch	1.00%	$50,000	-	Learn More Add Review
First Community Bank First Community Bank Branch	1.00%	$5,000	-	Learn More Add Review
The First National Bank of Le Center The First National Bank Of Le Center Branch	1.00%	$2,500	-	Learn More Add Review
Farmers State Bank of Hoffman Farmers State Bank Of Hoffman Branch	1.00%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Pine River State Bank Burns Township Branch	1.00%	$10,000	-	Learn More Add Review
United Community Bank United Community Bank Branch	1.00%	$10,000	-	Learn More Add Review
Pine Country Bank Rice Office Branch	1.00%	$10,000	-	Learn More Add Review
Ultima Bank Minnesota Ultima Bank Minnesota Branch	1.00%	$10,000	-	Learn More Add Review
Dacotah Bank Chokio Branch	1.00%	$10,000	-	Learn More Add Review
Pioneer Bank Madelia Br Branch	1.00%	$500	-	Learn More Add Review
St. Clair State Bank (Incorporated) St. Clair State Bank (Incorporated) Branch	1.00%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank of Alpha Farmers And Merchants State Bank Of Branch	1.00%	$10,000	-	Learn More Add Review
Heritage Bank Minnesota Dennison Branch	1.00%	$10,000	-	Learn More Add Review
Foresight Bank Foresight Bank Branch	1.00%	$100,000	-	Learn More Add Review
Produce State Bank Albert Lea Branch	1.00%	$10,000	-	Learn More Add Review
Security State Bank of Wanamingo Security State Bank Of Wanamingo Branch	1.00%	$10,000	-	Learn More Add Review
ESB Bank Esb Bank Branch	1.00%	$10,000	-	Learn More Add Review
Harvest Bank Harvest Bank Branch	1.00%	$10,000	-	Learn More Add Review
Dakota Heritage Bank	1.00%	$500	-	Learn More Add Review
State Bank of Cold Spring State Bank Of Cold Spring Branch	1.00%	$10,000	-	Learn More Add Review
Community Bank Owatonna Community Bank Owatonna Branch	1.00%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview Altura Br Branch	1.00%	$100,000	-	Learn More Add Review
Odin State Bank Odin State Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Bank of Elk River School Street Office Branch	0.95%	$200	-	Learn More Add Review
First Security Bank First Security Bank Branch	0.95%	$500	-	Learn More Add Review
First Citizens Bank Mora Branch	0.95%	$10,000	-	Learn More Add Review
Valley Premier Bank Valley Premier Bank Branch	0.95%	$500	-	Learn More Add Review
Midwest Bank Midwest Bank Branch	0.95%	$10,000	-	Learn More Add Review
Think Mutual Bank Edina Branch	0.95%	$100,000	-	Learn More Add Review
American Equity Bank Equity Bank Branch	0.95%	$10,000	-	Learn More Add Review
Peoples State Bank of Wells Peoples State Bank Of Wells Branch	0.95%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia Northern State Bank Of Virginia Branch	0.95%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview Altura Br Branch	0.95%	$10,000	-	Learn More Add Review
Lake Country Community Bank Nerstrand Branch	0.90%	$1,000	-	Learn More Add Review
The First National Bank of Cokato The First National Bank Of Cokato Branch	0.90%	$1,000	-	Learn More Add Review
Village Bank Blaine Branch	0.90%	$10,000	-	Learn More Add Review
Red River State Bank Red River State Bank Branch	0.90%	$1,000	-	Learn More Add Review
Gate City Bank Fergus Falls Branch	0.90%	$10,000	-	Learn More Add Review
First International Bank & Trust Motley Branch	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Bagley The First National Bank Of Bagley Branch	0.90%	$10,000	-	Learn More Add Review
Deerwood Bank Inver Grove Heights Branch	0.90%	$10,000	-	Learn More Add Review
KodaBank Stephen Branch	0.90%	$10,000	-	Learn More Add Review
Security State Bank Heron Lake Br Branch	0.90%	$10,000	-	Learn More Add Review
Gateway Bank Gateway Bank Branch	0.90%	$10,000	-	Learn More Add Review
Choice Financial Group Choice Financial Savings Bank Branch	0.90%	$100,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
Foresight Bank Foresight Bank Branch	0.90%	$10,000	-	Learn More Add Review
Platinum Bank Platinum Bank Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank of Le Center First State Bank Of Le Center Branch	0.90%	$10,000	-	Learn More Add Review
Vergas State Bank Vergas State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia Northern State Bank Of Virginia Branch	0.90%	$10,000	-	Learn More Add Review
Sentry Bank Saint Cloud Branch	0.90%	$10,000	-	Learn More Add Review
Liberty Bank Minnesota Waite Park Branch	0.85%	$500	-	Learn More Add Review
CorTrust Bank National Association Woodbury Branch	0.85%	$10,000	-	Learn More Add Review
North American Banking Company Woodbury Branch	0.85%	$10,000	-	Learn More Add Review
Think Mutual Bank Edina Branch	0.85%	$10,000	-	Learn More Add Review
ONB Bank Olmsted National Bank Branch	0.85%	$2,500	-	Learn More Add Review
Root River State Bank Root River State Bank Branch	0.85%	$10,000	-	Learn More Add Review
First State Bank of Fountain First State Bank Of Fountain Branch	0.85%	$10,000	-	Learn More Add Review
Community Resource Bank Branch	0.85%	$100,000	-	Learn More Add Review
Grand Rapids State Bank Grand Rapids State Bank Branch	0.85%	$10,000	-	Learn More Add Review
American Heritage National Bank Avon Br Branch	0.85%	$10,000	-	Learn More Add Review
WNB FINANCIAL, N.A. East Office Branch	0.85%	$10,000	-	Learn More Add Review
Tradition Capital Bank Tradition Capital Bank Branch	0.80%	$100	-	Learn More Add Review
State Bank of New Richland State Bank Of New Richland Branch	0.80%	$10,000	-	Learn More Add Review
Cornerstone State Bank Le Sueur Branch	0.80%	$500	-	Learn More Add Review
Northeast Bank Northeast Bank Branch	0.80%	$10,000	-	Learn More Add Review
Choice Financial Group Choice Financial Savings Bank Branch	0.80%	$10,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
West Bank Rochester Branch	0.80%	$100,000	-	Learn More Add Review
Manufacturers Bank & Trust Company Rochester Branch	0.80%	$10,000	-	Learn More Add Review
F & M Community Bank, National Association F & M Community Bank, Chatfield Branch	0.80%	$100,000	-	Learn More Add Review
First Bank Blue Earth First Bank Blue Earth Branch	0.80%	$10,000	-	Learn More Add Review
Community Resource Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Western Bank & Trust Eden Prairie Branch	0.80%	$10,000	-	Learn More Add Review
Citizens State Bank of Roseau Citizens State Bank Of Roseau Branch	0.80%	$10,000	-	Learn More Add Review
State Bank of Fairmont State Bank Of Fairmont Branch	0.80%	$10,000	-	Learn More Add Review
Farmers State Bank of Trimont Farmers State Bank Of Trimont Branch	0.80%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.80%	$100,000	-	Learn More Add Review
Janesville State Bank Janesville State Bank Branch	0.80%	$25,000	-	Learn More Add Review
Americana Community Bank Maple Grove Branch	0.78%	$500	-	Learn More Add Review
Minnesota National Bank Minnesota National Bank Branch	0.76%	$100,000	-	Learn More Add Review
First Farmers & Merchants National Bank St. Paul Branch	0.75%	$1,000	-	Learn More Add Review
Citizens State Bank of Waverly, Inc. Citizens State Bank Of Waverly, Inc. Branch	0.75%	$1,000	-	Learn More Add Review
The Northern State Bank of Gonvick The Northern State Bank Of Gonvick Branch	0.75%	$100,000	-	Learn More Add Review
MidCountry Bank Hutchinson South Branch	0.75%	$100,000	-	Learn More Add Review
First National Bank Maple Lawn Nursing Home Branch	0.75%	$10,000	-	Learn More Add Review
Sunrise Banks, National Association Washington Ave Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank Minnesota Spring Valley Branch	0.75%	$10,000	-	Learn More Add Review
Security Bank Minnesota Alden Branch	0.75%	$100,000	-	Learn More Add Review
Farmers State Bank of Hartland Farmers State Bank Of Hartland Branch	0.75%	$10,000	-	Learn More Add Review
Bridgewater Bank Greenwood Branch	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Coleraine The First National Bank Of Coleraine Branch	0.75%	$10,000	-	Learn More Add Review
Marshall County State Bank Marshall County State Bank Branch	0.75%	$100,000	-	Learn More Add Review
State Bank of Taunton State Bank Of Taunton Branch	0.75%	$10,000	-	Learn More Add Review
Northern State Bank of Thief River Falls Hugo's Supermarket Branch	0.75%	$100,000	-	Learn More Add Review
ProGrowth Bank ProGrowth Bank - Nicollet Branch	0.72%	$100,000	-	Learn More Add Review
Arlington State Bank Arlington State Bank Branch	0.70%	$10,000	-	Learn More Add Review
First National Bank Minnesota Mankato Branch	0.70%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.70%	$10,000	-	Learn More Add Review
Bank Midwest Westbrook Branch	0.70%	$10,000	-	Learn More Add Review
MidCountry Bank Hutchinson South Branch	0.70%	$10,000	-	Learn More Add Review
F & M Community Bank, National Association F & M Community Bank, Chatfield Branch	0.70%	$10,000	-	Learn More Add Review
Security Bank Minnesota Alden Branch	0.70%	$10,000	-	Learn More Add Review
Welcome State Bank Welcome State Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Farmers & Merchants State Bank of Grand Meadow Detached Facility Branch	0.70%	$10,000	-	Learn More Add Review
Minnesota National Bank Minnesota National Bank Branch	0.70%	$10,000	-	Learn More Add Review
Janesville State Bank Janesville State Bank Branch	0.70%	$500	-	Learn More Add Review
Americana Community Bank Maple Grove Branch	0.68%	$10,000	-	Learn More Add Review
Citizens State Bank Norwood Young America Citizens State Bank Norwood Young Am Branch	0.65%	$10,000	-	Learn More Add Review
Security State Bank of Marine Chisaago Lakes Branch	0.65%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.65%	$10,000	-	Learn More Add Review
Castle Rock Bank Castle Rock Bank Branch	0.65%	$10,000	-	Learn More Add Review
Kensington Bank Herman Br Branch	0.65%	$1,000	-	Learn More Add Review
First National Bank Maple Lawn Nursing Home Branch	0.65%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.64%	$100,000	-	Learn More Add Review
ProGrowth Bank ProGrowth Bank - Nicollet Branch	0.64%	$10,000	-	Learn More Add Review
The First National Bank of Fairfax The First National Bank Of Fairfax Branch	0.60%	$1,000	-	Learn More Add Review
Woodlands National Bank Sturgeon Lake Branch	0.60%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Bank & Trust State Bank Of New Prague Branch	0.60%	$10,000	-	Learn More
BLONDEDOG \| Jan 12, 2023 Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months without any resolution. I haven't been presented any evidence in that time that ... Read More Reviews (2)
First Resource Bank First Resource Bank Branch	0.60%	$100,000	-	Learn More Add Review
American Federal Bank Moorhead Branch	0.60%	$100,000	-	Learn More Add Review
First State Bank and Trust First State Bank And Trust Branch	0.60%	$10,000	-	Learn More Add Review
West Bank Rochester Branch	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank Edina Branch	0.60%	$250	-	Learn More Add Review
Merchants Bank, National Association Apple Valley Branch	0.60%	$10,000	-	Learn More Add Review
North Star Bank Washington Square Branch	0.60%	$10,000	-	Learn More Add Review
Lake Elmo Bank Oak Meadows Branch-Senior Housing	0.60%	$25,000	-	Learn More Add Review
National Bank of Commerce Hermantown Branch	0.55%	$100,000	-	Learn More Add Review
The Northern State Bank of Gonvick The Northern State Bank Of Gonvick Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Community Federal National Association Winona Branch	0.55%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank Maple Lawn Nursing Home Branch	0.55%	$10,000	-	Learn More Add Review
Highland Bank Highland Bank Branch	0.55%	$10,000	-	Learn More Add Review
Marshall County State Bank Marshall County State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Perennial Bank Paynesville Br Branch	0.55%	$10,000	-	Learn More Add Review
Northern State Bank of Thief River Falls Hugo's Supermarket Branch	0.55%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
National Bank of Commerce Hermantown Branch	0.50%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Resource Bank First Resource Bank Branch	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank Stillwater - Branch 21	0.50%	$10,000	-	Learn More Add Review
American Federal Bank Moorhead Branch	0.50%	$10,000	-	Learn More Add Review
First Security Bank - Sleepy Eye Detroit Lakes Branch	0.50%	$10,000	-	Learn More Add Review
Merchants Bank, National Association Apple Valley Branch	0.50%	$10,000	-	Learn More Add Review
The First State Bank of Red Wing Mazeppa Branch	0.50%	$10,000	-	Learn More Add Review
New Market Bank Prior Lake Branch	0.50%	$500	-	Learn More Add Review
Security State Bank of Hibbing Security State Bank Of Hibbing Branch	0.50%	$75,000	-	Learn More Add Review
North Shore Bank of Commerce Hermantown Branch	0.50%	$10,000	-	Learn More Add Review
Lake Elmo Bank Oak Meadows Branch-Senior Housing	0.50%	$1,000	-	Learn More Add Review
Merchants Bank, National Association Apple Valley Branch	0.48%	$10,000	-	Learn More Add Review
First Farmers & Merchants State Bank Austin Branch	0.45%	$1,000	-	Learn More Add Review
BNC National Bank Bnc Minneapolis Branch	0.45%	$10,000	-	Learn More Add Review
United Prairie Bank Worthington Branch	0.45%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.45%	$10,000	-	Learn More Add Review
The State Bank of Faribault The State Bank Of Faribault Branch	0.45%	$10,000	-	Learn More Add Review
Merchants Bank, National Association Apple Valley Branch	0.44%	$10,000	-	Learn More Add Review
United Prairie Bank Worthington Branch	0.40%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.40%	$100,000	-	Learn More Add Review
Security State Bank of Hibbing Security State Bank Of Hibbing Branch	0.40%	$1,000	-	Learn More Add Review
Old National Bank 500 Marschal Road Branch	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Frandsen Bank & Trust Provincial Bank Branch	0.35%	$10,000	-	Learn More Add Review
First Farmers & Merchants National Bank First Farmers & Merchants National B Branch	0.35%	$10,000	-	Learn More Add Review
Premier Bank Premier Bank Branch	0.30%	$10,000	-	Learn More
Matthew \| Dec 3, 2020 Premier Bank stole my first HSA. The bank claims to have reached out to me before doing this, even though they had my correct and current phone number on file, but after some time of not using the mone... Read More Reviews (2)
Frandsen Bank & Trust Provincial Bank Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Premier Bank Minnesota Bloomington Branch	0.25%	$10,000	-	Learn More
evelyne k. sak \| May 24, 2016 SIR: I WOULD LIKE TO OPEN AN ONLINE ACCOUNT WITH YOUR BANK IN MN!!! COULD YOU HELP ME WITH THAT??? MY EMAIL ADDRESS IS: tepysutsak@gmail.com. THANK YOU Read More Reviews (1)
BankCherokee North Oaks Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
Sterling State Bank North Rochester Branch	0.15%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Provincial Bank Branch	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association Normandale Community College Branch	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Bank Of America, National Association Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Associated Bank, National Association Westview Ridge Retirement Center Branch	0.01%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
VisionBank Visionbank Branch	4725 Highway 7	Saint Louis Park	MN
BankVista Bankvista Branch	125 Twin Rivers Court	Sartell	MN
Profinium, Inc. Profinium, Inc. Branch	414 North Fifth Avenue East	Truman	MN
Ameriprise Bank, FSB Ameriprise National Trust Bank Branch	901 3rd Avenue South	Minneapolis	MN
Hometown Community Bank Forada Branch	10635 Toby's Avenue Se	Alexandria	MN
First Independent Bank Wood Lake Branch	53 2nd Avenue	Wood Lake	MN
Lowry State Bank Lowry State Bank Branch	400 Florence Avenue	Lowry	MN
Wadena State Bank Deer Creek Branch	121 Main Avenue East	Deer Creek	MN
First National Bank Cook Branch	32 South River Street	Cook	MN
Concorde Bank Concorde Bank Branch	16 S.W. Main Street	Blomkest	MN
Glenwood State Bank (Incorporated) Detached Facility Branch	Washington And Central Streets	Villard	MN
Security State Bank of Aitkin Paulbecks County Market Branch	Red Oak Drive	Aitkin	MN
PrinsBank Prinsbank Branch	508 Third Street	Prinsburg	MN
Falcon National Bank Falcon National Bank Branch	183 Cedar Drive	Foley	MN
The First National Bank of Osakis The First National Bank Of Osakis Branch	211-213 Central Avenue	Osakis	MN
Citizens Bank & Trust Co. South Office Branch	1390 Hwy 15 South	Hutchinson	MN
Bonanza Valley State Bank Bonanza Valley State Bank Branch	First Street And Central Avenue	Brooten	MN
Park State Bank Park State Bank - Lafayette Bldg. Br Branch	1108 Nicollet Mall	Minneapolis	MN
First Community Bank First Community Bank Branch	500 Central Avenue	Lester Prairie	MN
Northview Bank Drive-In Facility Branch	Railroad Street	Floodwood	MN
First Bank Elk River The First National Bank Of Elk River Branch	812 Main Street	Elk River	MN
Farmers & Merchants Savings Bank Vadnais Heights Branch	845 East County Road 32	Vadnais Heights	MN
Security Bank USA Detached Facility Branch	104-106 Fourth Street	Bemidji	MN
The First National Bank of Osakis The First National Bank Of Osakis Branch	211-213 Central Avenue	Osakis	MN
Mid-Central National Bank Long Prairie Branch	610 Lake St S.	Long Prairie	MN
American National Bank of Minnesota Fergus Falls Branch	727 Western Avenue North	Fergus Falls	MN
VIKING BANK, NATIONAL ASSOCIATION Viking Bank Branch	4277 Dakota Street	Alexandria	MN
Center National Bank Center National Bank Branch	301 North Ramsey Avenue	Litchfield	MN
United Minnesota Bank United Minnesota Bank Branch	105 Central Avenue	New London	MN
FM Bank Granite Falls Bank Branch	702 Prentice Street	Granite Falls	MN
Drake Bank Drake Bank Branch	60 Plato Boulevard, Suite 100	Saint Paul	MN
Neighborhood National Bank Alexandria Branch	803 North Nokomis Ne	Alexandria	MN
Northview Bank Drive-In Facility Branch	Railroad Street	Floodwood	MN
Glenwood State Bank (Incorporated) Detached Facility Branch	Washington And Central Streets	Villard	MN
Platinum Bank Platinum Bank Branch	7667 10th Street North	Oakdale	MN
Grove Bank First State Bank Of Grove City Branch	110 Atlantic Avenue West	Grove City	MN
The First National Bank of Bemidji South Branch	607 Washington Avenue S	Bemidji	MN
Star Bank Annandale Branch	460 Elm Street E	Annandale	MN
BANKWEST Bankwest Branch	5921 Main Street	Rockford	MN
Heritage Bank National Association Willmar Branch	310 1st Street Sw	Willmar	MN
First Citizens Bank Mora Branch	730 Forest Ave. E	Mora	MN
Cornerstone State Bank Le Sueur Branch	415 North Main St	Le Sueur	MN
Midwest Bank Midwest Bank Branch	613 Highway 10 East	Detroit Lakes	MN
Security Bank USA Detached Facility Branch	104-106 Fourth Street	Bemidji	MN
KodaBank Stephen Branch	398 Pacific Avenue	Stephen	MN
Bank Forward Bemidji Branch	700 Paul Bunyan Dr Nw	Bemidji	MN
HomeTown Bank Henderson Branch	409 Main Street	Henderson	MN
First National Bank North Akeley Branch	110 Broadway Street East	Akeley	MN
Manufacturers Bank & Trust Company Rochester Branch	2020 2nd Street Sw	Rochester	MN
Security State Bank of Kenyon Security State Bank Of Kenyon Branch	602 Second Street	Kenyon	MN
Harvest Bank Harvest Bank Branch	75 North Main Street	Kimball	MN
Lake Region Bank Detached Facility Branch	49 Front Street	Sunburg	MN
Riverland Bank Riverland Bank Branch	700 Seville Drive	Jordan	MN
Randall State Bank Randall State Bank Branch	307 Pacific Avenue	Randall	MN
Woodland Bank Hill City Office Branch	675 Highway 169 South	Hill City	MN
Currie State Bank Currie State Bank Branch	141 Mill Street	Currie	MN
Farmers & Merchants Savings Bank Vadnais Heights Branch	845 East County Road 32	Vadnais Heights	MN
Falcon National Bank Falcon National Bank Branch	183 Cedar Drive	Foley	MN
The First National Bank of Bagley The First National Bank Of Bagley Branch	31 Central Street East	Bagley	MN
The First National Bank of Bemidji South Branch	607 Washington Avenue S	Bemidji	MN
Citizens Alliance Bank Lake Lillian Branch	451 Lakeview Street	Lake Lillian	MN
North American Banking Company Woodbury Branch	9260 Hudson Road	Woodbury	MN
Adrian State Bank Adrian State Bank Branch	322 Maine Avenue	Adrian	MN
American State Bank of Grygla American State Bank Of Grygla Branch	102 S Main Ave	Grygla	MN
State Bank of New Richland State Bank Of New Richland Branch	103 North Broadway	New Richland	MN
First Community Bank First Community Bank Branch	500 Central Avenue	Lester Prairie	MN
The First National Bank of Le Center The First National Bank Of Le Center Branch	10 West Minnesota Street	Le Center	MN
Farmers State Bank of Hoffman Farmers State Bank Of Hoffman Branch	103 Main Ave W	Hoffman	MN
Pine River State Bank Burns Township Branch	8141 Viking Blvd Nw	Elk River	MN
United Community Bank United Community Bank Branch	301 West Main Street	Perham	MN
Pine Country Bank Rice Office Branch	750 125th Street	Rice	MN
Ultima Bank Minnesota Ultima Bank Minnesota Branch	9 W Minnesota Ave	Winger	MN
Dacotah Bank Chokio Branch	209 S Main St	Chokio	MN
Pioneer Bank Madelia Br Branch	34 Main Street	Madelia	MN
St. Clair State Bank (Incorporated) St. Clair State Bank (Incorporated) Branch	100 Main St. West	Saint Clair	MN
Farmers and Merchants State Bank of Alpha Farmers And Merchants State Bank Of Branch	210 North Main Street	Alpha	MN
Heritage Bank Minnesota Dennison Branch	37470 First Ave. Court	Dennison	MN
Foresight Bank Foresight Bank Branch	138 West Broadway	Plainview	MN
Produce State Bank Albert Lea Branch	220 East William Street	Albert Lea	MN
Security State Bank of Wanamingo Security State Bank Of Wanamingo Branch	232 Main Street	Wanamingo	MN
ESB Bank Esb Bank Branch	115 North Highway 44/76	Caledonia	MN
Harvest Bank Harvest Bank Branch	75 North Main Street	Kimball	MN
State Bank of Cold Spring State Bank Of Cold Spring Branch	401 Main Street	Cold Spring	MN
Community Bank Owatonna Community Bank Owatonna Branch	640 Bridge Street	Owatonna	MN
Peoples State Bank of Plainview Altura Br Branch	411 Main Street, N.W.	Altura	MN
Odin State Bank Odin State Bank Branch	101 East Main Street	Odin	MN
The Bank of Elk River School Street Office Branch	846 Freeport Avenue	Elk River	MN
First Security Bank First Security Bank Branch	316 Byron Avenue, North	Byron	MN
First Citizens Bank Mora Branch	730 Forest Ave. E	Mora	MN
Valley Premier Bank Valley Premier Bank Branch	416 Sixth Street	Hawley	MN
Midwest Bank Midwest Bank Branch	613 Highway 10 East	Detroit Lakes	MN
Think Mutual Bank Edina Branch	3655 Hazelton Road	Edina	MN
Luminate Bank Equity Bank Branch	5900 Green Oak Drive	Minnetonka	MN
Peoples State Bank of Wells Peoples State Bank Of Wells Branch	190 South Broadway	Wells	MN
Northern State Bank of Virginia Northern State Bank Of Virginia Branch	600 Chestnut Street	Virginia	MN
Peoples State Bank of Plainview Altura Br Branch	411 Main Street, N.W.	Altura	MN
Lake Country Community Bank Nerstrand Branch	313 Main St., Po Box 128	Nerstrand	MN
The First National Bank of Cokato The First National Bank Of Cokato Branch	365 Broadway Avenue South	Cokato	MN
Village Bank Blaine Branch	9298 Central Avenue, N.E.	Blaine	MN
Red River State Bank Red River State Bank Branch	300 2nd Avenue	Halstad	MN
Gate City Bank Fergus Falls Branch	428 West Lincoln Ave	Fergus Falls	MN
First International Bank & Trust Motley Branch	Highway 10 And Beaulieu Street	Motley	MN
The First National Bank of Bagley The First National Bank Of Bagley Branch	31 Central Street East	Bagley	MN
Deerwood Bank Inver Grove Heights Branch	7055 Cahill Avenue	Inver Grove Heights	MN
KodaBank Stephen Branch	398 Pacific Avenue	Stephen	MN
Security Bank Midwest Heron Lake Br Branch	274 10th Street	Heron Lake	MN
Gateway Bank Gateway Bank Branch	745 Market Street	Mendota Heights	MN
Choice Financial Group Choice Financial Savings Bank Branch	101 Brown Street West	Comfrey	MN
Foresight Bank Foresight Bank Branch	138 West Broadway	Plainview	MN
Platinum Bank Platinum Bank Branch	7667 10th Street North	Oakdale	MN
First State Bank of Le Center First State Bank Of Le Center Branch	88 North Park Avenue	Le Center	MN
Vergas State Bank Vergas State Bank Branch	106 East Main Street	Vergas	MN
Northern State Bank of Virginia Northern State Bank Of Virginia Branch	600 Chestnut Street	Virginia	MN
Sentry Bank Saint Cloud Branch	4350 8th Street North	Saint Cloud	MN
Liberty Bank Minnesota Waite Park Branch	818 2nd Street South, Suite 120	Waite Park	MN
CorTrust Bank National Association Woodbury Branch	9740 Tamarack Rd	Woodbury	MN
North American Banking Company Woodbury Branch	9260 Hudson Road	Woodbury	MN
Think Mutual Bank Edina Branch	3655 Hazelton Road	Edina	MN
Eagle Rock Bank Olmsted National Bank Branch	975 34th Avenue Nw	Rochester	MN
Root River State Bank Root River State Bank Branch	18 3rd Street, S. E.	Chatfield	MN
First State Bank of Fountain First State Bank Of Fountain Branch	101 Main Street	Fountain	MN
Community Resource Bank Branch	618 Division Street	Northfield	MN
Grand Rapids State Bank Grand Rapids State Bank Branch	523 Nw 1st Avenue	Grand Rapids	MN
American Heritage National Bank Avon Br Branch	104 Avon Ave North	Avon	MN
WNB FINANCIAL, N.A. East Office Branch	840 Mankato Avenue	Winona	MN
Tradition Capital Bank Tradition Capital Bank Branch	7601 France Avenue South, Suite 140	Edina	MN
State Bank of New Richland State Bank Of New Richland Branch	103 North Broadway	New Richland	MN
Cornerstone State Bank Le Sueur Branch	415 North Main St	Le Sueur	MN
Northeast Bank Northeast Bank Branch	77 Broadway Street, N.E.	Minneapolis	MN
Choice Financial Group Choice Financial Savings Bank Branch	101 Brown Street West	Comfrey	MN
West Bank Rochester Branch	2188 Superior Drive Nw	Rochester	MN
Manufacturers Bank & Trust Company Rochester Branch	2020 2nd Street Sw	Rochester	MN
F & M Community Bank, National Association F & M Community Bank, Chatfield Branch	229 Main Street North	Chatfield	MN
First Bank Blue Earth First Bank Blue Earth Branch	306 South Main Street	Blue Earth	MN
Community Resource Bank Branch	618 Division Street	Northfield	MN
First Western Bank & Trust Eden Prairie Branch	100 Prairie Center Drive	Eden Prairie	MN
Citizens State Bank of Roseau Citizens State Bank Of Roseau Branch	118 Main Avenue South	Roseau	MN
State Bank of Fairmont State Bank Of Fairmont Branch	918 East Blue Earth Avenue	Fairmont	MN
Farmers State Bank of Trimont Farmers State Bank Of Trimont Branch	220 Main Street West	Trimont	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
Janesville State Bank Janesville State Bank Branch	201 N Main Street	Janesville	MN
Americana Community Bank Maple Grove Branch	9495 Black Oaks Lane North	Maple Grove	MN
Minnesota National Bank Minnesota National Bank Branch	Main And Sinclair Lewis	Sauk Centre	MN
First Farmers & Merchants National Bank St. Paul Branch	332 Minnesota Street	Saint Paul	MN
Citizens State Bank of Waverly, Inc. Citizens State Bank Of Waverly, Inc. Branch	609 Pacific Avenue	Waverly	MN
The Northern State Bank of Gonvick The Northern State Bank Of Gonvick Branch	283 Main Street	Gonvick	MN
MidCountry Bank Hutchinson South Branch	905 Highway 15 S.	Hutchinson	MN
First National Bank Maple Lawn Nursing Home Branch	400 7th Street	Fulda	MN
Sunrise Banks, National Association Washington Ave Branch	525 Washington Avenue North	Minneapolis	MN
First State Bank Minnesota Spring Valley Branch	1030 North Broadway	Spring Valley	MN
Security Bank Minnesota Alden Branch	195 North Broadway	Alden	MN
Arcadian Bank Farmers State Bank Of Hartland Branch	601 N. Broadway	Hartland	MN
Bridgewater Bank Greenwood Branch	21500 Highway 7	Greenwood	MN
The First National Bank of Coleraine The First National Bank Of Coleraine Branch	423 Roosevelt Street	Coleraine	MN
Marshall County State Bank Marshall County State Bank Branch	118 East Minnesota Avenue	Newfolden	MN
State Bank of Taunton State Bank Of Taunton Branch	101 N. Main St.	Taunton	MN
Northern State Bank of Thief River Falls Hugo's Supermarket Branch	First Street And Pennington Avenue	Thief River Falls	MN
ProGrowth Bank ProGrowth Bank - Nicollet Branch	703 3rd Street, PO Box 77	Nicollet	MN
Arlington State Bank Arlington State Bank Branch	230 West Main Street	Arlington	MN
First National Bank Minnesota Mankato Branch	500 Long Street	Mankato	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
Bank Midwest Westbrook Branch	640 First Avenue	Westbrook	MN
MidCountry Bank Hutchinson South Branch	905 Highway 15 S.	Hutchinson	MN
F & M Community Bank, National Association F & M Community Bank, Chatfield Branch	229 Main Street North	Chatfield	MN
Security Bank Minnesota Alden Branch	195 North Broadway	Alden	MN
Welcome State Bank Welcome State Bank Branch	111 Guide Street North	Welcome	MN
First Farmers & Merchants State Bank of Grand Meadow Detached Facility Branch	19 East Main Street	Racine	MN
Minnesota National Bank Minnesota National Bank Branch	Main And Sinclair Lewis	Sauk Centre	MN
Janesville State Bank Janesville State Bank Branch	201 N Main Street	Janesville	MN
Americana Community Bank Maple Grove Branch	9495 Black Oaks Lane North	Maple Grove	MN
Citizens State Bank Norwood Young America Citizens State Bank Norwood Young Am Branch	409 Faxon Road	Norwood Young America	MN
Security State Bank of Marine Chisaago Lakes Branch	30626 Lincoln Road	Lindstrom	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
Castle Rock Bank Castle Rock Bank Branch	27925 Danville Avenue	Castle Rock	MN
Kensington Bank Herman Br Branch	103 5th Street East	Herman	MN
First National Bank Maple Lawn Nursing Home Branch	400 7th Street	Fulda	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
ProGrowth Bank ProGrowth Bank - Nicollet Branch	703 3rd Street, PO Box 77	Nicollet	MN
The First National Bank of Fairfax The First National Bank Of Fairfax Branch	16 S.E. First Ave	Fairfax	MN
Woodlands National Bank Sturgeon Lake Branch	8981 Market Street	Sturgeon Lake	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
First Bank & Trust State Bank Of New Prague Branch	1101 First Street Se	New Prague	MN
First Resource Bank First Resource Bank Branch	7449 Village Drive	Lino Lakes	MN
American Federal Bank Moorhead Branch	601 Center Avenue	Moorhead	MN
First State Bank and Trust First State Bank And Trust Branch	950 North Highway 95	Bayport	MN
West Bank Rochester Branch	2188 Superior Drive Nw	Rochester	MN
Great Southern Bank Edina Branch	6545 France Avenue South Suite 130	Edina	MN
Merchants Bank, National Association Apple Valley Branch	7300 147th Street West, Suite 100	Apple Valley	MN
North Star Bank Washington Square Branch	4661 Highway 61	White Bear Lake	MN
Lake Elmo Bank Oak Meadows Branch-Senior Housing	8132 And 8133 Fourth Street North	Oakdale	MN
National Bank of Commerce Hermantown Branch	4105 Richard Avenue	Hermantown	MN
The Northern State Bank of Gonvick The Northern State Bank Of Gonvick Branch	283 Main Street	Gonvick	MN
Citizens Community Federal National Association Winona Branch	955 Frontenac Drive	Winona	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
First National Bank Maple Lawn Nursing Home Branch	400 7th Street	Fulda	MN
Highland Bank Highland Bank Branch	701 Central Avenue East	Saint Michael	MN
Marshall County State Bank Marshall County State Bank Branch	118 East Minnesota Avenue	Newfolden	MN
Perennial Bank Paynesville Br Branch	125 East James Street	Paynesville	MN
Northern State Bank of Thief River Falls Hugo's Supermarket Branch	First Street And Pennington Avenue	Thief River Falls	MN
National Bank of Commerce Hermantown Branch	4105 Richard Avenue	Hermantown	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
First Resource Bank First Resource Bank Branch	7449 Village Drive	Lino Lakes	MN
MidWestOne Bank Stillwater - Branch 21	2270 Frontage Road	Stillwater	MN
American Federal Bank Moorhead Branch	601 Center Avenue	Moorhead	MN
First Security Bank - Sleepy Eye Detroit Lakes Branch	611 Summitt Avenue	Detroit Lakes	MN
Merchants Bank, National Association Apple Valley Branch	7300 147th Street West, Suite 100	Apple Valley	MN
The First State Bank of Red Wing Mazeppa Branch	First Street And State Highway 60	Mazeppa	MN
New Market Bank Prior Lake Branch	4719 Park Nicollet Ave Se Suite 100	Prior Lake	MN
Security State Bank of Hibbing Security State Bank Of Hibbing Branch	701 East Howard Street	Hibbing	MN
North Shore Bank of Commerce Hermantown Branch	4810 Miller Trunk Highway	Hermantown	MN
Lake Elmo Bank Oak Meadows Branch-Senior Housing	8132 And 8133 Fourth Street North	Oakdale	MN
Merchants Bank, National Association Apple Valley Branch	7300 147th Street West, Suite 100	Apple Valley	MN
First Farmers & Merchants State Bank Austin Branch	128 N Main St	Austin	MN
BNC National Bank Bnc Minneapolis Branch	650 Douglas Drive	Golden Valley	MN
United Prairie Bank Worthington Branch	905 Mcmillan Stree6t	Worthington	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
The State Bank of Faribault The State Bank Of Faribault Branch	428 Central Avenue	Faribault	MN
Merchants Bank, National Association Apple Valley Branch	7300 147th Street West, Suite 100	Apple Valley	MN
United Prairie Bank Worthington Branch	905 Mcmillan Stree6t	Worthington	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
Security State Bank of Hibbing Security State Bank Of Hibbing Branch	701 East Howard Street	Hibbing	MN
Old National Bank 500 Marschal Road Branch	500 Marschall Road	Shakopee	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
First Farmers & Merchants National Bank First Farmers & Merchants National B Branch	303 East Main Street	Luverne	MN
Premier Bank Premier Bank Branch	2866 White Bear Avenue	Maplewood	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
Premier Bank Minnesota Bloomington Branch	500 West 98th Street	Bloomington	MN
BankCherokee North Oaks Branch	999 Village Center Drive	North Oaks	MN
Sterling State Bank North Rochester Branch	5600 Highway 52 North	Rochester	MN
Frandsen Bank & Trust Provincial Bank Branch	7303 161st Street	Lakeville	MN
U.S. Bank National Association Normandale Community College Branch	9700 France Avenue South, Ste K1405 Kopp Student Center	Bloomington	MN
Bank of America, National Association Bank Of America, National Association Branch	80 S 8th St. Suite 3500	Minneapolis	MN
Associated Bank, National Association Westview Ridge Retirement Center Branch	One West Thompson Avenue	West Saint Paul	MN

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Minnesota

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