Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Waconia
Below are the best six-month CD Rates from banks with branches in Waconia, 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.
Waconia, MN - December 13, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$1,000 |
- |
Learn More
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Rate History: 4.65% → 4.35% → 4.30% → 4.15% → 4.20% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.10% |
$25,000 |
- |
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Rate History: 4.61% → 4.51% → 4.41% → 4.25% → 4.10% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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4.00% |
$10,000 |
- |
Learn More
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Rate History: 4.10% → 4.00% → 3.90% → 3.65% → 4.00% |
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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 |
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3.90% |
$2,500 |
- |
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Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90% |
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HAL1975 | 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 |
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3.80% 1.00% |
$10,000 $1 |
19.23 |
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Rate History: 4.25% → 3.90% → 3.80% |
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3.75% |
$10,000 |
15.44 |
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Rate History: 1.00% → 4.00% |
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3.50% |
$10,000 |
20.12 |
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Rate History: 4.00% → 4.10% → 4.05% → 3.75% → 3.50% |
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3.49% |
$500 |
20.15 |
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Rate History: 4.75% → 4.50% → 3.99% → 3.75% → 3.49% |
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2.87% |
$500 |
9.01 |
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Rate History: 3.28% → 3.17% → 2.97% → 2.87% |
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1.25% |
$1,000 |
19.46 |
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1.02% |
$25,000 |
22.67 |
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Rate History: 2.01% → 2.00% → 1.50% → 1.00% → 1.02% |
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Thy King | 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 |
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0.75% |
$10,000 |
14.96 |
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0.70% |
$75,000 |
16.75 |
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0.65% |
$2,000 |
22.19 |
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0.60% |
$25,000 |
13.82 |
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0.50% |
$10,000 |
14.76 |
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0.40% |
$1,000 |
16.75 |
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|
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0.40% |
$10,000 |
23.12 |
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0.40% |
$100,000 |
21.17 |
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0.35% |
$2,500 |
13.82 |
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0.35% |
$2,500 |
12.87 |
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0.30% |
$250 |
24.68 |
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0.30% |
$100,000 |
22.25 |
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0.30% |
$10,000 |
21.17 |
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0.30% |
$10,000 |
23.07 |
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0.25% |
$2,500 |
22.90 |
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0.25% |
$10,000 |
24.20 |
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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 |
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0.25% |
$10,000 |
22.25 |
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0.25% |
$10,000 |
12.87 |
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0.21% |
$500 |
12.40 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$100,000 |
14.76 |
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0.20% |
$10,000 |
21.07 |
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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 |
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0.20% |
$10,000 |
20.76 |
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0.15% |
$10,000 |
14.76 |
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0.13% |
$10,000 |
14.76 |
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0.12% |
$100,000 |
14.76 |
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0.10% |
$1,000 |
17.82 |
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0.10% |
$2,500 |
21.48 |
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0.10% |
$10,000 |
14.76 |
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0.10% |
$10,000 |
15.12 |
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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 |
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0.09% |
$10,000 |
14.76 |
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0.08% |
$10,000 |
14.76 |
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0.07% |
$100,000 |
14.76 |
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0.05% |
$10,000 |
12.84 |
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0.05% |
$10,000 |
14.76 |
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0.05% |
$500 |
10.34 |
Learn More
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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 |
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0.01% |
$10,000 |
14.76 |
Learn More
|
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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