Minnesota

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Minnesota CD Rates – 6-Month

You are viewing rates from banks across Minnesota





Below are the best six-month CD Rates from banks with branches in Minnesota. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

MN - August 4, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 0.14% → 0.18% → 5.50% → 5.30% → 5.06%

| 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

Rate History: 5.27% → 5.10% → 5.05%

Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Rate History: 5.06% → 5.32% → 4.50%

Rate History: 4.10% → 4.75% → 4.50%

Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early withdrawal penalty is 3 Months' Interest.
Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

7-Month CD.
Rate History: 4.75% → 4.50% → 4.30% → 4.50% → 4.45%

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

6 Month Jumbo CD.
Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%

| Sep 22, 2023

Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More

Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.35% → 4.00% → 4.15% → 4.40% → 4.35%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%

| 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

No Penalty CD.
Rate History: 5.34% → 5.34% → 3.68% → 4.34%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%

Warning: Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 30 days.
Rate History: 4.31% → 4.26%

| Jul 23, 2023

easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More

Rate History: 3.35% → 4.25%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.65% → 4.55% → 4.35% → 4.25%

Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 2.25% → 4.90%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%

| Feb 12, 2020

WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More

Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 4.10%

Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%

| May 21, 2021

avoid this Read More

6 Month CD.
Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%

| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More

Rate History: 5.30% → 5.00% → 4.80% → 4.00%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 5.00% → 4.75% → 4.00%

| 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

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.00% → 3.90%

| 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

Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%

| 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

Rate History: 4.25% → 3.90%

Rate History: 1.00% → 4.00%

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| 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

Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| 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

Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%

| 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

Rate History: 1.50% → 2.50% → 4.00% → 3.75%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

Rate History: 4.00% → 3.75%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Rate History: 4.05% → 4.10% → 4.05% → 3.85% → 3.75%

Rate History: 4.00% → 3.75%

| 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

Rate History: 4.35% → 4.25% → 3.90% → 3.70%

| 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

Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%

| 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

Rate History: 1.50% → 4.50%

Rate History: 0.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

Rate History: 4.75% → 4.50% → 3.99% → 3.75% → 3.49%

| 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

Rate History: 4.09% → 4.05% → 3.55% → 3.30%

Rate History: 0.80% → 1.01% → 3.28%

| 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

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%

| 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

Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%

| May 26, 2017

Before009 Read More

2.79%

$1,000

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Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%

| May 19, 2018

Experience Read More

Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%

| 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

Rate History: 2.50% → 2.51% → 2.01% → 2.00%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.15%

$100,000

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1.00%

$1,000

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0.93%

$100,000

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0.90%

$100,000

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0.83%

$10,000

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0.80%

$100,000

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0.75%

$10,000

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0.75%

$10,000

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| 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

0.75%

$10,000

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0.75%

$10,000

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| Apr 30, 2019

No issues. I feel confident using them. Read More

0.74%

$100,000

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0.70%

$75,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.65%

$25,000

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0.65%

$100,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$100,000

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0.60%

$5,000

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0.60%

$25,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$100,000

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0.60%

$100,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.59%

$500

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0.55%

$2,500

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| Feb 4, 2021

Yes Read More

0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$500

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0.54%

$500

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0.50%

$2,500

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0.50%

$2,500

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0.50%

$100,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$500

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0.50%

$10,000

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| Mar 29, 2017

my ira Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.45%

$100

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0.45%

$10,000

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| Feb 4, 2021

Yes Read More

0.45%

$10,000

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0.45%

$1

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.40%

$500

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0.40%

$500

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0.40%

$1,000

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0.40%

$2,500

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0.40%

$2,500

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0.40%

$500

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0.40%

$500

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0.40%

$10,000

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0.40%

$1,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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| Jan 4, 2020

3 Read More

0.40%

$10,000

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0.40%

$100,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$500

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.39%

$25,000

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0.38%

$100,000

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0.35%

$1,000

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0.35%

$50,000

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0.35%

$1,000

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0.35%

$2,500

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0.35%

$1,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$1,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$2,500

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.32%

$10,000

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0.30%

$250

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$500

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0.30%

$10,000

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0.30%

$100,000

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0.30%

$10,000

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| Jan 4, 2020

3 Read More

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| Feb 13, 2023

I’ve not been getting my bank card as 3 have been on order now for over 6mths so they keep ordering me new ones after 2mths each time…I live in Canada & No one in Canada is getting there bank cards at ... Read More

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$100,000

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0.30%

$100,000

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0.30%

$10,000

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0.30%

$100,000

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0.30%

$10,000

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0.29%

$10,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$1,000

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0.25%

$1,000

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0.25%

$10,000

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0.25%

$200

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| 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

0.25%

$10,000

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0.25%

$100,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$100,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$100

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$25,000

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0.22%

$10,000

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0.21%

$500

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| 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

0.20%

$500

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0.20%

$100,000

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0.20%

$100,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| 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

0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$500

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0.20%

$25,000

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0.15%

$10,000

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| 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

0.15%

$10,000

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0.15%

$1,000

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$100,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.14%

$10,000

-

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0.13%

$10,000

-

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0.12%

$100,000

-

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0.10%

$2,500

-

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0.10%

$1,000

-

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0.10%

$2,500

-

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0.10%

$10,000

-

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| 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

0.10%

$10,000

-

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0.10%

$10,000

-

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0.10%

$10,000

-

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0.10%

$10,000

-

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0.10%

$75,000

-

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0.10%

$10,000

-

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0.10%

$1,000

-

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0.09%

$10,000

-

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0.08%

$10,000

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| 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

0.07%

$100,000

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| 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

0.05%

$1,000

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0.05%

$1,000

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0.05%

$10,000

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| 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

0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

-

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| 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

0.03%

$10,000

-

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| 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

0.01%

$10,000

-

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0.01%

$10,000

-

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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
Heritage Bank National Association
Willmar Branch
310 1st Street Sw Willmar MN
Profinium, Inc.
Profinium, Inc. Branch
414 North Fifth Avenue East Truman MN
Stearns Bank National Association
Pine City Branch
600 Hillside Avenue SW Pine City MN
Pioneer Bank
Madelia Br Branch
34 Main Street Madelia MN
Citizens Independent Bank
Citizens Independent Bank Branch
5000 West 36th Street Saint Louis Park MN
Security Bank & Trust Company
Isanti Branch
711 6th Ave NE Isanti MN
Prime Security Bank
Prime Security Bank Branch
201 Main Street North Karlstad MN
Ameriprise Bank, FSB
Ameriprise National Trust Bank Branch
901 3rd Avenue South Minneapolis MN
Bank of America, National Association
Bank Of America, National Association Branch
80 S 8th St. Suite 3500 Minneapolis MN
Ameriprise Bank, FSB
Ameriprise National Trust Bank Branch
901 3rd Avenue South Minneapolis MN
VisionBank
Visionbank Branch
4725 Highway 7 Saint Louis Park MN
Center National Bank
Center National Bank Branch
301 North Ramsey Avenue Litchfield MN
Bell Bank
Detroit Lakes Branch
920 Lake Avenue Detroit Lakes MN
BankVista
Bankvista Branch
125 Twin Rivers Court Sartell MN
Bell Bank
Detroit Lakes Branch
920 Lake Avenue Detroit Lakes MN
First Independent Bank
Wood Lake Branch
53 2nd Avenue Wood Lake MN
Wells Fargo Bank, National Association
I-94 Woodbury Branch
9882 Norma Lane Woodbury MN
Global Innovations Bank
First State Bank Of Kiester Branch
101 N Main Street Kiester MN
Security Bank & Trust Company
Isanti Branch
711 6th Ave NE Isanti MN
The First National Bank of Bemidji
South Branch
607 Washington Avenue S Bemidji MN
Security Bank USA
Detached Facility Branch
104-106 Fourth Street Bemidji MN
The First National Bank of Bemidji
South Branch
607 Washington Avenue S Bemidji MN
Harvest Bank
Harvest Bank Branch
75 North Main Street Kimball MN
Security Bank USA
Detached Facility Branch
104-106 Fourth Street Bemidji MN
Grove Bank
First State Bank Of Grove City Branch
110 Atlantic Avenue West Grove City MN
Wadena State Bank
Deer Creek Branch
121 Main Avenue East Deer Creek MN
Riverland Bank
Riverland Bank Branch
700 Seville Drive Jordan MN
Mid-Central National Bank
Long Prairie Branch
610 Lake St S. Long Prairie MN
Cornerstone State Bank
Le Sueur Branch
415 North Main St Le Sueur MN
Pine Country Bank
Rice Office Branch
750 125th Street Rice MN
Hometown Community Bank
Forada Branch
10635 Toby's Avenue Se Alexandria MN
Harvest Bank
Harvest Bank Branch
75 North Main Street Kimball MN
The First National Bank of Bagley
The First National Bank Of Bagley Branch
31 Central Street East Bagley MN
The Northern State Bank of Gonvick
The Northern State Bank Of Gonvick Branch
283 Main Street Gonvick MN
Vantage Bank
Vantage Bank Branch
202 Main St Kent MN
Marshall County State Bank
Marshall County State Bank Branch
118 East Minnesota Avenue Newfolden MN
Northern State Bank of Thief River Falls
Hugo's Supermarket Branch
First Street And Pennington Avenue Thief River Falls MN
BANKWEST
Bankwest Branch
5921 Main Street Rockford MN
Farmers & Merchants State Bank of New York Mills, Incorporated
Farmers & Merchants State Bank Of New York Mills, Incorporated Branch
Walker Avenue And Front Street New York Mills MN
First Community Bank
First Community Bank Branch
500 Central Avenue Lester Prairie MN
Woodlands National Bank
Sturgeon Lake Branch
8981 Market Street Sturgeon Lake MN
Midwest Bank
Midwest Bank Branch
613 Highway 10 East Detroit Lakes MN
Sherburne State Bank
Sherburne State Bank Branch
7890 Front Street Clear Lake MN
KodaBank
Stephen Branch
398 Pacific Avenue Stephen MN
Alliance Bank
Red Wing Branch
840 Technology Drive Red Wing MN
Glenwood State Bank (Incorporated)
Detached Facility Branch
Washington And Central Streets Villard MN
Farmers and Merchants State Bank of Appleton
Farmers And Merchants State Bank Of Branch
239 North Miles Appleton MN
The Wanda State Bank
The Wanda State Bank Branch
121 W Main Wanda MN
Global Innovations Bank
First State Bank Of Kiester Branch
101 N Main Street Kiester MN
Farmers & Merchants Savings Bank
Vadnais Heights Branch
845 East County Road 32 Vadnais Heights MN
Sherburne State Bank
Sherburne State Bank Branch
7890 Front Street Clear Lake MN
Security Bank Midwest
Heron Lake Br Branch
274 10th Street Heron Lake MN
Think Mutual Bank
Edina Branch
3655 Hazelton Road Edina MN
Citizens State Bank of Roseau
Citizens State Bank Of Roseau Branch
118 Main Avenue South Roseau MN
Bonanza Valley State Bank
Bonanza Valley State Bank Branch
First Street And Central Avenue Brooten MN
Concorde Bank
Concorde Bank Branch
16 S.W. Main Street Blomkest MN
State Bank of Lake Park
Detached Facility Branch
100 Front Street West Hitterdal MN
Farmers and Merchants State Bank of Pierz
Farmers And Merchants State Bank Of Branch
80 Main Street N Pierz MN
First Citizens Bank
Mora Branch
730 Forest Ave. E Mora MN
Northview Bank
Drive-In Facility Branch
Railroad Street Floodwood MN
Woodlands National Bank
Sturgeon Lake Branch
8981 Market Street Sturgeon Lake MN
United Community Bank
United Community Bank Branch
301 West Main Street Perham MN
American National Bank of Minnesota
Fergus Falls Branch
727 Western Avenue North Fergus Falls MN
The First National Bank of Bagley
The First National Bank Of Bagley Branch
31 Central Street East Bagley MN
The Citizens National Bank of Park Rapids
The Citizens National Bank Of Park R Branch
300 West First Street Park Rapids MN
Ultima Bank Minnesota
Ultima Bank Minnesota Branch
9 W Minnesota Ave Winger MN
Alliance Bank
Red Wing Branch
840 Technology Drive Red Wing MN
Farmers and Merchants State Bank of Springfield
Morgan Branch
101 Vernon Avenue Morgan MN
First National Bank North
Akeley Branch
110 Broadway Street East Akeley MN
Produce State Bank
Albert Lea Branch
220 East William Street Albert Lea MN
PrinsBank
Prinsbank Branch
508 Third Street Prinsburg MN
Citizens Bank & Trust Co.
South Office Branch
1390 Hwy 15 South Hutchinson MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
First National Bank
Cook Branch
32 South River Street Cook MN
Granite Bank
Rockville Branch
450 Broadway Street Rockville MN
Tradition Capital Bank
Tradition Capital Bank Branch
7601 France Avenue South, Suite 140 Edina MN
Northview Bank
Drive-In Facility Branch
Railroad Street Floodwood MN
Farmers & Merchants Savings Bank
Vadnais Heights Branch
845 East County Road 32 Vadnais Heights MN
United Valley Bank
Detached Facility Branch
First And Central Streets Lancaster MN
Randall State Bank
Randall State Bank Branch
307 Pacific Avenue Randall MN
The Northern State Bank of Gonvick
The Northern State Bank Of Gonvick Branch
283 Main Street Gonvick MN
Community Bank Mankato
Mankato Branch
951 Madison Avenue Mankato MN
Think Mutual Bank
Edina Branch
3655 Hazelton Road Edina MN
The First National Bank of Osakis
The First National Bank Of Osakis Branch
211-213 Central Avenue Osakis MN
Marshall County State Bank
Marshall County State Bank Branch
118 East Minnesota Avenue Newfolden MN
State Bank of Fairmont
State Bank Of Fairmont Branch
918 East Blue Earth Avenue Fairmont MN
Vergas State Bank
Vergas State Bank Branch
106 East Main Street Vergas MN
Northern State Bank of Thief River Falls
Hugo's Supermarket Branch
First Street And Pennington Avenue Thief River Falls MN
Citizens Community Federal National Association
Winona Branch
955 Frontenac Drive Winona MN
Star Bank
Annandale Branch
460 Elm Street E Annandale MN
Adrian State Bank
Adrian State Bank Branch
322 Maine Avenue Adrian MN
State Bank of Easton
State Bank Of Easton Branch
50 Main Street Easton MN
Neighborhood National Bank
Alexandria Branch
803 North Nokomis Ne Alexandria MN
The First National Bank of Le Center
The First National Bank Of Le Center Branch
10 West Minnesota Street Le Center MN
American State Bank of Grygla
American State Bank Of Grygla Branch
102 S Main Ave Grygla MN
Currie State Bank
Currie State Bank Branch
141 Mill Street Currie MN
First Security Bank
First Security Bank Branch
316 Byron Avenue, North Byron MN
Grand Timber Bank
Grand Timber Bank Branch
204 North Maddy Street Mcgregor MN
Cornerstone State Bank
Le Sueur Branch
415 North Main St Le Sueur MN
Pine River State Bank
Burns Township Branch
8141 Viking Blvd Nw Elk River MN
CorTrust Bank National Association
Woodbury Branch
9740 Tamarack Rd Woodbury MN
First Bank Elk River
The First National Bank Of Elk River Branch
812 Main Street Elk River MN
Village Bank
Blaine Branch
9298 Central Avenue, N.E. Blaine MN
KodaBank
Stephen Branch
398 Pacific Avenue Stephen MN
Citizens Community Federal National Association
Winona Branch
955 Frontenac Drive Winona MN
HomeTown Bank
Henderson Branch
409 Main Street Henderson MN
North American Banking Company
Woodbury Branch
9260 Hudson Road Woodbury MN
Choice Financial Group
Choice Financial Savings Bank Branch
101 Brown Street West Comfrey MN
Luminate Bank
Equity Bank Branch
5900 Green Oak Drive Minnetonka MN
Manufacturers Bank & Trust Company
Rochester Branch
2020 2nd Street Sw Rochester MN
Foresight Bank
Foresight Bank Branch
138 West Broadway Plainview MN
VIKING BANK, NATIONAL ASSOCIATION
Viking Bank Branch
4277 Dakota Street Alexandria MN
The First National Bank of Osakis
The First National Bank Of Osakis Branch
211-213 Central Avenue Osakis MN
Glenwood State Bank (Incorporated)
Detached Facility Branch
Washington And Central Streets Villard MN
First Bank Blue Earth
First Bank Blue Earth Branch
306 South Main Street Blue Earth MN
First Financial Bank in Winnebago
First Financial Bank In Winnebago Branch
One Main Street South Winnebago 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
Security Bank Minnesota
Alden Branch
195 North Broadway Alden MN
Security State Bank of Wanamingo
Security State Bank Of Wanamingo Branch
232 Main Street Wanamingo MN
Farmers State Bank of Hamel
Corcoran Detached Facility Branch
County Road 116 And County Road 10 Corcoran MN
Park State Bank
Park State Bank - Lafayette Bldg. Br Branch
1108 Nicollet Mall Minneapolis MN
ESB Bank
Esb Bank Branch
115 North Highway 44/76 Caledonia MN
Perennial Bank
Paynesville Br Branch
125 East James Street Paynesville MN
Lowry State Bank
Lowry State Bank Branch
400 Florence Avenue Lowry MN
Drake Bank
Drake Bank Branch
60 Plato Boulevard, Suite 100 Saint Paul MN
Integrity Bank Plus
Integrity Bank Plus Branch
726 Main Street Wabasso MN
Peoples State Bank of Plainview
Altura Br Branch
411 Main Street, N.W. Altura MN
The First National Bank at St. James
The First National Bank At St. James Branch
202 1st Ave S Saint James MN
Eagle Bank
Wendell Branch
612 Torrisson Ave Wendell MN
Minnesota National Bank
Minnesota National Bank Branch
Main And Sinclair Lewis Sauk Centre MN
Red River State Bank
Red River State Bank Branch
300 2nd Avenue Halstad MN
State Bank of New Richland
State Bank Of New Richland Branch
103 North Broadway New Richland MN
Lake Country Community Bank
Nerstrand Branch
313 Main St., Po Box 128 Nerstrand MN
First Community Bank
First Community Bank Branch
500 Central Avenue Lester Prairie MN
Farmers State Bank of Hoffman
Farmers State Bank Of Hoffman Branch
103 Main Ave W Hoffman MN
First Citizens Bank
Mora Branch
730 Forest Ave. E Mora MN
Falcon National Bank
Falcon National Bank Branch
183 Cedar Drive Foley MN
American Federal Bank
Moorhead Branch
601 Center Avenue Moorhead MN
Minnstar Bank National Association
Minnstar Bank National Association Branch
202 North Main Street Lake Crystal MN
First State Bank of Wyoming
Detached Facility Branch
6115 Stacy Trail Stacy MN
Peoples State Bank of Wells
Peoples State Bank Of Wells Branch
190 South Broadway Wells MN
Security Bank Minnesota
Alden Branch
195 North Broadway Alden MN
Community Resource Bank
Branch
618 Division Street Northfield MN
Bank of Maple Plain
Bank Of Maple Plain Branch
4980 Highway 12 Maple Plain MN
Platinum Bank
Platinum Bank Branch
7667 10th Street North Oakdale MN
United Minnesota Bank
United Minnesota Bank Branch
105 Central Avenue New London MN
Northern State Bank of Virginia
Northern State Bank Of Virginia Branch
600 Chestnut Street Virginia MN
State Bank of Cold Spring
State Bank Of Cold Spring Branch
401 Main Street Cold Spring MN
Peoples State Bank of Plainview
Altura Br Branch
411 Main Street, N.W. Altura MN
WNB FINANCIAL, N.A.
East Office Branch
840 Mankato Avenue Winona MN
Minnesota National Bank
Minnesota National Bank Branch
Main And Sinclair Lewis Sauk Centre MN
Great Southern Bank
Edina Branch
6545 France Avenue South Suite 130 Edina MN
The First National Bank of Moose Lake
The First National Bank Of Moose Lak Branch
400 Elm Avenue Moose Lake MN
Northwoods Bank of Minnesota
Detached Facility Branch
First Street Park Rapids MN
Northeast Bank
Northeast Bank Branch
77 Broadway Street, N.E. Minneapolis MN
Valley Premier Bank
Valley Premier Bank Branch
416 Sixth Street Hawley MN
First International Bank & Trust
Motley Branch
Highway 10 And Beaulieu Street Motley MN
MidCountry Bank
Hutchinson South Branch
905 Highway 15 S. Hutchinson MN
North American Banking Company
Woodbury Branch
9260 Hudson Road Woodbury 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
Security State Bank of Kenyon
Security State Bank Of Kenyon Branch
602 Second Street Kenyon MN
Farmers State Bank of Hamel
Corcoran Detached Facility Branch
County Road 116 And County Road 10 Corcoran MN
Grand Marais State Bank
Tofte Branch
4 Johannes Lane Tofte MN
First State Bank of Le Center
First State Bank Of Le Center Branch
88 North Park Avenue Le Center MN
FM Bank
Granite Falls Bank Branch
702 Prentice Street Granite Falls MN
State Bank of Taunton
State Bank Of Taunton Branch
101 N. Main St. Taunton MN
Portage Bank
State Bank Of Ceylon Branch
104 West Main Street Ceylon MN
First State Bank Southwest
Edgerton Branch
760 Main Street Edgerton MN
Northern State Bank of Virginia
Northern State Bank Of Virginia Branch
600 Chestnut Street Virginia MN
The First National Bank of Gilbert
The First National Bank Of Gilbert Branch
2 North Broadway Gilbert MN
Sentry Bank
Saint Cloud Branch
4350 8th Street North Saint Cloud MN
Eagle Bank
Wendell Branch
612 Torrisson Ave Wendell MN
Eagle Rock Bank
Olmsted National Bank Branch
975 34th Avenue Nw Rochester MN
Arlington State Bank
Arlington State Bank Branch
230 West Main Street Arlington MN
The First National Bank of Cokato
The First National Bank Of Cokato Branch
365 Broadway Avenue South Cokato MN
First Farmers & Merchants State Bank
Austin Branch
128 N Main St Austin MN
Security State Bank of Aitkin
Paulbecks County Market Branch
Red Oak Drive Aitkin MN
The Bank of Elk River
School Street Office Branch
846 Freeport Avenue Elk River MN
First Bank & Trust
State Bank Of New Prague Branch
1101 First Street Se New Prague MN
Bank Forward
Bemidji Branch
700 Paul Bunyan Dr Nw Bemidji MN
ProGrowth Bank
ProGrowth Bank - Nicollet Branch
703 3rd Street, PO Box 77 Nicollet MN
MidCountry Bank
Hutchinson South Branch
905 Highway 15 S. Hutchinson MN
Merchants Bank, National Association
Apple Valley Branch
7300 147th Street West, Suite 100 Apple Valley MN
Castle Rock Bank
Castle Rock Bank Branch
27925 Danville Avenue Castle Rock MN
West Bank
Rochester Branch
2188 Superior Drive Nw Rochester MN
Manufacturers Bank & Trust Company
Rochester Branch
2020 2nd Street Sw Rochester MN
First State Bank Minnesota
Spring Valley Branch
1030 North Broadway Spring Valley MN
Community Resource Bank
Branch
618 Division Street Northfield MN
Highland Bank
Highland Bank Branch
701 Central Avenue East Saint Michael MN
Bridgewater Bank
Greenwood Branch
21500 Highway 7 Greenwood MN
First Western Bank & Trust
Eden Prairie Branch
100 Prairie Center Drive Eden Prairie MN
Farmers State Bank of Trimont
Farmers State Bank Of Trimont Branch
220 Main Street West Trimont MN
First Farmers & Merchants State Bank of Grand Meadow
Detached Facility Branch
19 East Main Street Racine MN
State Bank of Chandler
State Bank Of Chandler Branch
342 Main Avenue Chandler MN
Reliance Bank
Reliance Bank Branch
2300 30th Street Northwest Faribault MN
Northern State Bank
Aurora Branch
213 North Main Street Aurora MN
American Heritage National Bank
Avon Br Branch
104 Avon Ave North Avon MN
Janesville State Bank
Janesville State Bank Branch
201 N Main Street Janesville MN
Coulee Bank
Highland Park Branch
742 Grand Avenue Saint Paul MN
Americana Community Bank
Maple Grove Branch
9495 Black Oaks Lane North Maple Grove MN
Liberty Bank Minnesota
Waite Park Branch
818 2nd Street South, Suite 120 Waite Park 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 State Bank of Swanville
Grey Eagle Branch
Main Street Grey Eagle MN
Dacotah Bank
Chokio Branch
209 S Main St Chokio MN
St. Clair State Bank (Incorporated)
St. Clair State Bank (Incorporated) Branch
100 Main St. West Saint Clair MN
Citizens State Bank Norwood Young America
Citizens State Bank Norwood Young Am Branch
409 Faxon Road Norwood Young America MN
Citizens Alliance Bank
Lake Lillian Branch
451 Lakeview Street Lake Lillian MN
Security State Bank of Marine
Chisaago Lakes Branch
30626 Lincoln Road Lindstrom MN
Farmers and Merchants State Bank of Alpha
Farmers And Merchants State Bank Of Branch
210 North Main Street Alpha MN
First National Bank
Maple Lawn Nursing Home Branch
400 7th Street Fulda 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
Merchants Bank, National Association
Apple Valley Branch
7300 147th Street West, Suite 100 Apple Valley MN
Union Bank and Trust Company
Union Bank And Trust Company Branch
312 Central Avenue Minneapolis MN
Scale Bank
Fidelity Bank Branch
7600 Parklawn Avenue Edina MN
Platinum Bank
Platinum Bank Branch
7667 10th Street North Oakdale MN
First Security Bank - Canby
First Security Bank - Lake Benton Br Branch
107 North Center Street Lake Benton MN
First State Bank Southwest
Edgerton Branch
760 Main Street Edgerton MN
North Star Bank
Washington Square Branch
4661 Highway 61 White Bear Lake MN
North Shore Bank of Commerce
Hermantown Branch
4810 Miller Trunk Highway Hermantown MN
The First National Bank of Gilbert
The First National Bank Of Gilbert Branch
2 North Broadway Gilbert MN
Janesville State Bank
Janesville State Bank Branch
201 N Main Street Janesville 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
State Bank of New Richland
State Bank Of New Richland Branch
103 North Broadway New Richland MN
The First National Bank of Fairfax
The First National Bank Of Fairfax Branch
16 S.E. First Ave Fairfax MN
Woodland Bank
Hill City Office Branch
675 Highway 169 South Hill City 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
First Security Bank - Sleepy Eye
Detroit Lakes Branch
611 Summitt Avenue Detroit Lakes MN
Deerwood Bank
Inver Grove Heights Branch
7055 Cahill Avenue Inver Grove Heights MN
First National Bank Minnesota
Mankato Branch
500 Long Street Mankato MN
Gateway Bank
Gateway Bank Branch
745 Market Street Mendota Heights MN
Heritage Bank Minnesota
Dennison Branch
37470 First Ave. Court Dennison MN
F & M Community Bank, National Association
F & M Community Bank, Chatfield Branch
229 Main Street North Chatfield MN
Arcadian Bank
Farmers State Bank Of Hartland Branch
601 N. Broadway Hartland MN
The First State Bank of Red Wing
Mazeppa Branch
First Street And State Highway 60 Mazeppa MN
BNC National Bank
Bnc Minneapolis Branch
650 Douglas Drive Golden Valley MN
The First National Bank of Coleraine
The First National Bank Of Coleraine Branch
423 Roosevelt Street Coleraine MN
United Prairie Bank
Worthington Branch
905 Mcmillan Stree6t Worthington MN
Portage Bank
State Bank Of Ceylon Branch
104 West Main Street Ceylon MN
Welcome State Bank
Welcome State Bank Branch
111 Guide Street North Welcome MN
United Farmers State Bank
Rose Creek Branch
61255 170th Street Rose Creek MN
Odin State Bank
Odin State Bank Branch
101 East Main Street Odin MN
Sunrise Banks, National Association
Washington Ave Branch
525 Washington Avenue North Minneapolis MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
The First State Bank of Rosemount
The First State Bank Of Rosemount Branch
3025 145th Street West Rosemount MN
Citizens State Bank of Waverly, Inc.
Citizens State Bank Of Waverly, Inc. Branch
609 Pacific Avenue Waverly MN
New Market Bank
Prior Lake Branch
4719 Park Nicollet Ave Se Suite 100 Prior Lake MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
Old National Bank
500 Marschal Road Branch
500 Marschall Road Shakopee MN
United Prairie Bank
Worthington Branch
905 Mcmillan Stree6t Worthington MN
F & M Community Bank, National Association
F & M Community Bank, Chatfield Branch
229 Main Street North Chatfield MN
Merchants Bank, National Association
Apple Valley Branch
7300 147th Street West, Suite 100 Apple Valley MN
Lake Region Bank
Detached Facility Branch
49 Front Street Sunburg MN
Security State Bank of Hibbing
Security State Bank Of Hibbing Branch
701 East Howard Street Hibbing MN
Community Bank Owatonna
Community Bank Owatonna Branch
640 Bridge Street Owatonna MN
Lake Elmo Bank
Oak Meadows Branch-Senior Housing
8132 And 8133 Fourth Street North Oakdale MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
Premier Bank
Premier Bank Branch
2866 White Bear Avenue Maplewood MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN
First Farmers & Merchants National Bank
St. Paul Branch
332 Minnesota Street Saint Paul MN
Security State Bank of Hibbing
Security State Bank Of Hibbing Branch
701 East Howard Street Hibbing MN
Bank Midwest
Westbrook Branch
640 First Avenue Westbrook MN
Premier Bank Minnesota
Bloomington Branch
500 West 98th Street Bloomington MN
Sterling State Bank
North Rochester Branch
5600 Highway 52 North Rochester MN
MINNESOTA LAKES BANK
Minnesota Lakes Bank Branch
710 Babcock Boulevard Delano MN
First Farmers & Merchants National Bank
First Farmers & Merchants National B Branch
303 East Main Street Luverne 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
Grand Rapids State Bank
Grand Rapids State Bank Branch
523 Nw 1st Avenue Grand Rapids MN
Associated Bank, National Association
Westview Ridge Retirement Center Branch
One West Thompson Avenue West Saint Paul MN
Frandsen Bank & Trust
Provincial Bank Branch
7303 161st Street Lakeville MN


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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.

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