Best 6-Month CD Rates in North Dakota, ND

You are viewing rates from banks across North Dakota

Below are the best six-month CD Rates from banks with branches in North Dakota. 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.

ND - August 16, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
ableBanking, a division of Northeast Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Bread Savings, a division of Bread Financial	4.45%	$1,500	-	Learn More Add Review
Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Finworth, a division of InsBank	4.45%	$50,000	-	Learn More Add Review
7-Month CD. Rate History: 4.75% → 4.50% → 4.30% → 4.50% → 4.45%
Geoffrey Christopher 1 \| 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
Rising Bank, a division of Midwest BankCentre	4.41%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
My e-Banc, a division of Bradesco BAC Florida Bank	4.40% 4.25%	$50,000 $5,000	-	Learn More Add Review
6 Month Jumbo CD. Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%
Matty H \| 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
Salem Five Direct	4.40% 3.50%	$10,000 $2,500	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%
LarryMass \| 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
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Merrick Bank	4.35%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.35% → 4.00% → 4.15% → 4.40% → 4.35%
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)
Colorado Federal Savings Bank	4.35%	$5,000	-	Learn More Add Review
Early withdrawal penalty is 3 Months' Interest. Rate History: 4.40% → 4.45% → 4.05% → 4.45% → 4.35%
jp2 \| 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
Prime Alliance Bank	4.35%	$500	-	Learn More
Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%
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)
Climate First Bank	4.34%	$500	-	Learn More
No Penalty CD. Rate History: 5.34% → 5.34% → 3.68% → 4.34%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Popular Direct	4.30%	$10,000	-	Learn More Add Review
Rate History: 4.40% → 4.35% → 4.30% → 4.40% → 4.30%
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
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
First Internet Bank of Indiana	4.28%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Canadian Imperial Bank USA	4.26%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days. Rate History: 4.31% → 4.26%
ytr0171 \| 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
Gateway First Bank	4.25%	$500	-	Learn More
Rate History: 3.35% → 4.25%
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)
MainStreet Bank	4.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.65% → 4.55% → 4.35% → 4.25%
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bask Bank, a division of Texas Capital Bank	4.20%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.90%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
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 Reviews (40)
Charles Schwab Bank, SSB	4.14%	$1,000	-	Learn More
Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Vio Bank, A Division of MidFirst Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
IncredibleBank	4.05%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%
nonsense \| May 21, 2021 avoid this Read More
Bank5 Connect	4.00%	$500	-	Learn More Add Review
6 Month CD. Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%
BW \| 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
LendingClub	4.00%	$2,500	-	Learn More
Rate History: 5.30% → 5.00% → 4.80% → 4.00%
overdrawn \| 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 Reviews (21)
Banesco USA	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%
Dkplan \| 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 Reviews (8)
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.00%
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
TIAA Bank / Everbank	3.90%	$1,000	-	Learn More Add Review
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%
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	3.90%	$0	-	Learn More Add Review
Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%
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
National Cooperative Bank	3.87%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%
JC \| 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 Reviews (2)
Capital One 360	3.80%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
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	3.80%	$0	-	Learn More
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
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)
Barclays Bank Delaware	3.80%	$0	-	Learn More
Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%
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)
My Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 2.50% → 4.00% → 3.75%
not perfect but \| 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
Dollar Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.75%
J Dally \| 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
Bank of America, National Association	3.75%	$10,000	-	Learn More
Rate History: 4.00% → 3.75%
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)
Discover Bank	3.70%	$2,500	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 3.90% → 3.70%
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
Synchrony Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%
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
WebBank	3.50%	$2,500	-	Learn More
Rate History: 0.10% → 3.50%
dbestway@gmail.com \| 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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.35%	$10,000	-	Learn More Add Review
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
Bell Bank Wahpeton Branch	3.30% 3.25%	$99,999 $500	-	Learn More Add Review
Rate History: 4.09% → 4.05% → 3.55% → 3.30%
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$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
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
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
Clear Sky Accounts	3.00%	$1,000	-	Learn More Add Review
Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%
ruler009 \| May 26, 2017 Before009 Read More
Bank of Whittier, National Association	2.79%	$1,000	-	Learn More Add Review
TD Bank, National Association	2.75% 0.05%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%
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)
Citibank, National Association	2.25%	$0	-	Learn More
Rate History: 3.75% → 3.50% → 3.25% → 3.00% → 2.25%
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)
Wells Fargo Bank, National Association Grafton Branch	2.00%	$25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
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 Reviews (7)
JPMorgan Chase Bank, National Association	1.01%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50% → 1.01%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Northfield Bank	0.75%	$0	-	Learn More Add Review
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Commercial Bank of Mott Commercial Bank Of Mott Branch	0.75%	$10,000	-	Learn More Add Review
Dakota Community Bank & Trust, National Association South Seventh Street Branch	0.75%	$100,000	-	Learn More Add Review
McIntosh County Bank Zeeland Branch	0.70%	$100	-	Learn More Add Review
Hometown Community Bank	0.70%	$10,000	-	Learn More Add Review
KodaBank Kodabank Branch	0.60%	$100,000	-	Learn More Add Review
First State Bank of Cando Paying And Receiving Branch	0.55%	$100,000	-	Learn More Add Review
State Bank of Lakota State Bank Of Lakota Branch	0.55%	$10,000	-	Learn More Add Review
Sargent County Bank Sargent County Bank Branch	0.50%	$500	-	Learn More Add Review
First United Bank Cooperstown Branch	0.50%	$25,000	-	Learn More Add Review
Merchants Bank Merchants Bank Branch	0.50%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank Farmers And Merchants State Bank Branch	0.50%	$10,000	-	Learn More Add Review
Rolette State Bank Rolette State Bank Branch	0.50%	$10,000	-	Learn More Add Review
United Valley Bank Grand Forks Branch	0.45%	$10,000	-	Learn More Add Review
First United Bank Cooperstown Branch	0.40%	$500	-	Learn More Add Review
Plains Commerce Bank Plains Commerce Bank Branch	0.40%	$1,000	-	Learn More Add Review
Dakota Western Bank West River State Bank Branch	0.40%	$500	-	Learn More Add Review
Security First Bank of North Dakota Center Branch	0.40%	$100,000	-	Learn More Add Review
First State Bank of Harvey First State Bank Of Harvey Branch	0.40%	$10,000	-	Learn More Add Review
Horizon Financial Bank Paying And Receiving Branch	0.40%	$1,000	-	Learn More Add Review
Choice Financial Group Bismarck Branch	0.40%	$100,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
Dakota Heritage Bank The National Bank Of Harvey Main Off Branch	0.40%	$500	-	Learn More Add Review
Citizens State Bank of Lankin Citizens State Bank Of Lankin Branch	0.40%	$10,000	-	Learn More Add Review
KodaBank Kodabank Branch	0.40%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank of North Dakota Northwood Branch	0.40%	$2,500	-	Learn More Add Review
Kirkwood Bank & Trust Co. Detached Facility Branch	0.40%	$10,000	-	Learn More Add Review
Peoples State Bank Paying And Receiving Station Branch	0.35%	$10,000	-	Learn More Add Review
State Bank of Bottineau State Bank Of Bottineau Branch	0.35%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.35%	$100,000	-	Learn More Add Review
American Federal Bank Wapheton Branch	0.35%	$100,000	-	Learn More Add Review
Bank of Hazelton Bank Of Hazelton Branch	0.35%	$10,000	-	Learn More Add Review
Union State Bank of Fargo Union State Bank Of Fargo Branch	0.35%	$10,000	-	Learn More Add Review
Cornerstone Bank Cornerstone Bank Branch	0.30%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
First International Bank & Trust Bowdon Branch	0.30%	$10,000	-	Learn More Add Review
First State Bank of Cando Paying And Receiving Branch	0.30%	$10,000	-	Learn More Add Review
Choice Financial Group Bismarck Branch	0.30%	$10,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
BankNorth Buffalo Branch	0.30%	$10,000	-	Learn More Add Review
Heartland State Bank Heartland State Bank Branch	0.30%	$10,000	-	Learn More Add Review
VISIONBank North Fargo Branch	0.30%	$10,000	-	Learn More Add Review
First Western Bank & Trust First Western Bank & Trust Branch	0.25%	$500	-	Learn More Add Review
Union State Bank of Hazen Union State Bank - Beulah Branch	0.25%	$10,000	-	Learn More Add Review
Security First Bank of North Dakota Center Branch	0.25%	$10,000	-	Learn More Add Review
Garrison State Bank and Trust Garrison State Bank And Trust Branch	0.25%	$10,000	-	Learn More Add Review
Starion Bank Rolla Branch	0.25%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Western State Bank Willow City Branch	0.25%	$10,000	-	Learn More
Jean-Marc \| Nov 10, 2023 Just found out after submitting all my personal information: "Western also allows one free outgoing wire per month." "External transfers from Western State Bank Online Banking: After 60 days you will h... Read More Reviews (10)
American Bank Center Stanley Branch	0.25%	$10,000	-	Learn More
Boyd \| Nov 26, 2023 What is Bravera swift code Read More Reviews (1)
Peoples State Bank of Velva Peoples State Bank - Minot Branch	0.25%	$10,000	-	Learn More Add Review
Bank Forward Cooperstown Banking House Branch	0.25%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.25%	$10,000	-	Learn More Add Review
Dakota Community Bank & Trust, National Association South Seventh Street Branch	0.25%	$10,000	-	Learn More Add Review
Grant County State Bank Grant County State Bank 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
Starion Bank Rolla Branch	0.20%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Unison Bank Unison Bank Branch	0.20%	$2,500	-	Learn More Add Review
Dacotah Bank One Stop Market Branch	0.20%	$10,000	-	Learn More Add Review
The Goose River Bank Hillsboro Branch	0.20%	$10,000	-	Learn More Add Review
American Federal Bank Wapheton Branch	0.20%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Grnd Forks Exchange Branch	0.20%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Peoples State Bank, Fairmount, N. D. Peoples State Bank, Fairmount, N. D. Branch	0.20%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.15%	$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
Aspire Bank Hatton Branch	0.15%	$10,000	-	Learn More Add Review
First Security Bank - West Robinson Branch	0.15%	$10,000	-	Learn More Add Review
The Bank of Tioga The Bank Of Tioga Branch	0.14%	$100,000	-	Learn More Add Review
The Bank of Tioga The Bank Of Tioga Branch	0.11%	$10,000	-	Learn More Add Review
First State Bank & Trust Ray Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
American State Bank & Trust Company of Williston North Branch	0.05%	$10,000	-	Learn More Add Review
The Union Bank Paying And Receiving Branch	0.05%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust University Village Office Branch	0.05%	$10,000	-	Learn More Add Review
First State Bank of Golva First State Bank Of Golva Branch	0.05%	$10,000	-	Learn More Add Review
U.S. Bank National Association Lisbon Branch	0.05%	$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)
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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	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
Bell Bank Wahpeton Branch	717 2nd Avenue North	Wahpeton	ND
Bell Bank Wahpeton Branch	717 2nd Avenue North	Wahpeton	ND
Wells Fargo Bank, National Association Grafton Branch	735 Hill Avenue	Grafton	ND
Commercial Bank of Mott Commercial Bank Of Mott Branch	325 Brown Avenue	Mott	ND
Dakota Community Bank & Trust, National Association South Seventh Street Branch	919 South Seventh Street, Suite 101	Bismarck	ND
McIntosh County Bank Zeeland Branch	101 North Main Avenue	Zeeland	ND
KodaBank Kodabank Branch	104 South Main Street	Drayton	ND
First State Bank of Cando Paying And Receiving Branch	31 Main Street	Rocklake	ND
State Bank of Lakota State Bank Of Lakota Branch	125 Main Street	Lakota	ND
Stock Growers Bank Sargent County Bank Branch	331 Main Street Sw	Forman	ND
First United Bank Cooperstown Branch	406 9th Street Sw	Cooperstown	ND
Merchants Bank Merchants Bank Branch	210 Main Avenue S.	Rugby	ND
Farmers and Merchants State Bank Farmers And Merchants State Bank Branch	816 Third Street	Langdon	ND
Rolette State Bank Rolette State Bank Branch	209 Main Street	Rolette	ND
United Valley Bank Grand Forks Branch	2718 South Columbia Road	Grand Forks	ND
First United Bank Cooperstown Branch	406 9th Street Sw	Cooperstown	ND
Plains Commerce Bank Plains Commerce Bank Branch	404 South 3rd Street	Bismarck	ND
Dakota Western Bank West River State Bank Branch	Adams Avenue And Fourth Street	Hettinger	ND
Security First Bank of North Dakota Center Branch	Main Street And Center Avenue	Center	ND
First State Bank of Harvey First State Bank Of Harvey Branch	700 Lincoln Avenue	Harvey	ND
Horizon Financial Bank Paying And Receiving Branch	Broad Street	Osnabrock	ND
Choice Financial Group Bismarck Branch	207 Front Avenue	Bismarck	ND
Dakota Heritage Bank The National Bank Of Harvey Main Off Branch	721 Lincoln Avenue	Harvey	ND
Citizens State Bank of Lankin Citizens State Bank Of Lankin Branch	401 Main Street	Lankin	ND
KodaBank Kodabank Branch	104 South Main Street	Drayton	ND
Farmers & Merchants Bank of North Dakota Northwood Branch	321 Hwy 15	Northwood	ND
Kirkwood Bank & Trust Co. Detached Facility Branch	826 Kirkwood Mall	Bismarck	ND
Peoples State Bank Paying And Receiving Station Branch	Newburg Mall	Newburg	ND
State Bank of Bottineau State Bank Of Bottineau Branch	105 11th Street East	Bottineau	ND
First State Bank First State Bank Branch	423 Broadway	Buxton	ND
American Federal Bank Wapheton Branch	615 2nd Ave N	Wahpeton	ND
Bank of Hazelton Bank Of Hazelton Branch	363 Main St	Hazelton	ND
Border Bank Union State Bank Of Fargo Branch	4530 17th Avenue South	Fargo	ND
Cornerstone Bank Cornerstone Bank Branch	Fifth Street And U.S. Highway 85	Watford City	ND
First International Bank & Trust Bowdon Branch	143 Warrington Avenue	Bowdon	ND
First State Bank of Cando Paying And Receiving Branch	31 Main Street	Rocklake	ND
Choice Financial Group Bismarck Branch	207 Front Avenue	Bismarck	ND
BankNorth Buffalo Branch	Main Street	Buffalo	ND
Heartland State Bank Heartland State Bank Branch	401 Main Street	Edgeley	ND
VISIONBank North Fargo Branch	1321 21st Avenue North	Fargo	ND
First Western Bank & Trust First Western Bank & Trust Branch	900 South Broadway	Minot	ND
Union State Bank of Hazen Union State Bank - Beulah Branch	512 West Main Street	Beulah	ND
Security First Bank of North Dakota Center Branch	Main Street And Center Avenue	Center	ND
TruCommunity Bank Garrison State Bank And Trust Branch	102 North Main Street	Garrison	ND
Starion Bank Rolla Branch	Main And 3rd Se	Rolla	ND
Western State Bank Willow City Branch	199 Main Street	Willow City	ND
Bravera Bank Stanley Branch	First And Main Streets	Stanley	ND
Peoples State Bank of Velva Peoples State Bank - Minot Branch	37th Street	Minot	ND
Bank Forward Cooperstown Banking House Branch	802 Burrell Avenue Southwest	Cooperstown	ND
First State Bank First State Bank Branch	423 Broadway	Buxton	ND
Dakota Community Bank & Trust, National Association South Seventh Street Branch	919 South Seventh Street, Suite 101	Bismarck	ND
Grant County State Bank Grant County State Bank Branch	202 North Main Street	Carson	ND
Starion Bank Rolla Branch	Main And 3rd Se	Rolla	ND
Unison Bank Unison Bank Branch	401 First Avenue South	Jamestown	ND
Dacotah Bank One Stop Market Branch	4312 Highway 281	Belcourt	ND
The Goose River Bank Hillsboro Branch	515 West Caledonia Avenue	Hillsboro	ND
American Federal Bank Wapheton Branch	615 2nd Ave N	Wahpeton	ND
Armed Forces Bank, National Association Grnd Forks Exchange Branch	Building 105	Grand Forks	ND
Peoples State Bank, Fairmount, N. D. Peoples State Bank, Fairmount, N. D. Branch	201 Main Avenue	Fairmount	ND
Aspire Bank Hatton Branch	415 Seventh Street	Hatton	ND
First Security Bank - West Robinson Branch	101 South Main	Robinson	ND
The Bank of Tioga The Bank Of Tioga Branch	7 North Main Street	Tioga	ND
The Bank of Tioga The Bank Of Tioga Branch	7 North Main Street	Tioga	ND
First State Bank & Trust Ray Branch	24 Rr Avenue	Ray	ND
American State Bank & Trust Company of Williston North Branch	2523 Second Avenue West	Williston	ND
The Union Bank Paying And Receiving Branch	124 Main Street	Wing	ND
Frandsen Bank & Trust University Village Office Branch	2755 10th Avenue North	Grand Forks	ND
First State Bank of Golva First State Bank Of Golva Branch	410 Terrell Ave	Golva	ND
U.S. Bank National Association Lisbon Branch	902 Main St	Lisbon	ND

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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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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North Dakota CD Rates – 6-Month

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

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

The disadvantages of six month CDs are:

SAVINGS & CD CALCULATOR

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