Minnesota

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Credit Union CD Rates – 6-Month – Minnesota

You are viewing rates from credit unions across Minnesota





Below are the best six month CD Rates from credit unions 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 - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 0.60% → 5.50% → 5.25%

| Dec 7, 2023

100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More

4.10%

4.00%
3.90%

$25,000

$10,000
$500

-

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Rate History: 4.75% → 4.50% → 4.40% → 4.00% → 3.90%

| Mar 5, 2020

Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 3.48% → 3.48% → 3.75% → 3.49% → 3.54%

Rate History: 1.75% → 3.50%

3.50%

3.40%
3.35%
3.30%
3.25%

$150,000

$100,000
$50,000
$25,000
$500

-

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| Aug 7, 2020

We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

30 MONTH BMP
Rate History: 3.40% → 0.30%

Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%

Rate History: 1.11% → 1.26%

0.75%

$10,000

-

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0.70%

$100,000

-

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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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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.58%

$100,000

-

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0.55%

$10,000

-

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| Mar 13, 2019

Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More

0.55%

$10,000

-

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0.55%

$10,000

-

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0.54%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$100,000

-

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| Mar 13, 2019

I am not a member of this credit union, but I am currently holding an account there as the personal rep of my sister's estate. She was a member there, a recent County retiree. I am writing on her behalf. ... 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%

$100,000

-

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| Apr 9, 2016

US Federal changed its name to Firefly Read More

0.45%

$10,000

-

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0.45%

$2,500

-

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Thrivent


Restrictions

0.45%

$10,000

-

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0.44%

$10,000

-

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0.40%

$10,000

-

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0.40%

$100,000

-

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| Oct 27, 2021

Incompetent and I am annoyed! I financed an ATV thru Minnco. A year into the loan. I started to receive threading letters to prove I had insurance. Which I had from Progressive since day 1. After 3 calls ... Read More

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%

$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%

$10,000

-

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0.40%

$10,000

-

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0.35%

$500

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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| Mar 13, 2019

Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More

0.35%

$10,000

-

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0.35%

$10,000

-

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0.30%

$1,000

-

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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%

$10,000

-

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0.28%

$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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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$1,000

-

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0.20%

$10,000

-

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0.20%

$100,000

-

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First Community


Restrictions

0.20%

$100,000

-

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| Jul 4, 2022

Bad cutomer service, almost lot my home to foreclosure when trying to refi my current mortgage, after being assured everything was approved, very bad BEWAREOF THIS CREDIT UNION Read More

0.15%

$10,000

-

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First Community


Restrictions

0.15%

$10,000

-

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0.15%

$100,000

-

Learn More

| Jul 4, 2022

Bad cutomer service, almost lot my home to foreclosure when trying to refi my current mortgage, after being assured everything was approved, very bad BEWAREOF THIS CREDIT UNION Read More

0.05%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

Learn More
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
SUPERIOR CHOICE
Superior Choice Superior Choice Branch
4161 Haines Road Hermantown MN
AFFINITY PLUS
Affinity Plus Affinity Plus Branch
175 West Lafayette Road Saint Paul MN
GENISYS
Genisys Genisys Branch
1519 Central Parkway, Suite 110 Eagan MN
ST. PAUL
St. Paul St. Paul Branch
1330 Conway Street, STE 200 Saint Paul MN
MAGNIFI FINANCIAL
Holdingford Branch Holdingford Branch
500 Main Street Holdingford MN
GENISYS
Genisys Genisys Branch
1519 Central Parkway, Suite 110 Eagan MN
MAGNIFI FINANCIAL
Holdingford Branch Holdingford Branch
500 Main Street Holdingford MN
MAGNIFI FINANCIAL
Holdingford Branch Holdingford Branch
500 Main Street Holdingford MN
MAGNIFI FINANCIAL
Holdingford Branch Holdingford Branch
500 Main Street Holdingford MN
MAGNIFI FINANCIAL
Holdingford Branch Holdingford Branch
500 Main Street Holdingford MN
SUPERIOR CHOICE
Superior Choice Superior Choice Branch
4161 Haines Road Hermantown MN
TRUSTONE FINANCIAL
Oakdale Oakdale Branch
7860 32nd St N Oakdale MN
BAXTER
Target City Center Target City Center Branch
33 S 6th St Minneapolis MN
ROYAL
Royal Royal Branch
11450 Robinson Drive NW Coon Rapids MN
WINGS FINANCIAL
Wings Financial Wings Financial Branch
14985 Glazier Avenue Apple Valley MN
WINGS FINANCIAL
Wings Financial Wings Financial Branch
14985 Glazier Avenue Apple Valley MN
WEST METRO SCHOOLS
West Metro Schools West Metro Schools Branch
1001 Highway 7 Hopkins MN
TRADES & LABOR
Trades & Labor Trades & Labor Branch
610 SO BROADWAY AVE ALBERT LEA MN
TRUSTAR
Trustar Trustar Branch
601 4TH STREET INTERNATIONAL F MN
CATHOLIC UNITED FINANCIAL
Catholic Aid Associa Catholic Aid Associa Branch
3499 LEXINGTON AVE N SAINT PAUL MN
ASHLAND
Ashland Ashland Branch
445 Broadway Ave Saint Paul Park MN
CO-OP CREDIT UNION OF MONTEVIDEO
Co-op Credit Union O Co-op Credit Union O Branch
2407 E HWY 7 MONTEVIDEO MN
CROW WING POWER
Crow Wing Power Crow Wing Power Branch
17330 State Hwy 371 Brainerd MN
HIWAY
Hiway Hiway Branch
111 Empire Drive Saint Paul MN
OTTER TAIL
Otter Tail Otter Tail Branch
413 Stanton Avenue Fergus Falls MN
TOPLINE
Brooklyn Park Brooklyn Park Branch
9790 Schreiber Ter N Brooklyn Park MN
SOUTHPOINT FINANCIAL
St. Peter St. Peter Branch
105 S 3rd St Ste 100 Saint Peter MN
IDEAL
St. Paul Postal Empl St. Paul Postal Empl Branch
8499 Tamarack Rd Woodbury MN
TOPLINE
Brooklyn Park Brooklyn Park Branch
9790 Schreiber Ter N Brooklyn Park MN
ASHLAND
Ashland Ashland Branch
445 Broadway Ave Saint Paul Park MN
BUILDING TRADES
Building Trades Building Trades Branch
12080 73rd Ave N Maple Grove MN
ASSOCIATED HEALTHCARE
Associated Health Ca Associated Health Ca Branch
360 Sherman St, Suite B-10 Saint Paul MN
GREATER COMMUNITY
Dawson Co-op Dawson Co-op Branch
711 6th st dawson MN
LEADING EDGE
Fulda Area Fulda Area Branch
205 N ST PAUL AVE FULDA MN
CITY & COUNTY
City & County City & County Branch
144 11th St E Saint Paul MN
HIWAY
Hiway Hiway Branch
111 Empire Drive Saint Paul MN
TRANSIT OPERATIONS
Transit Operations Transit Operations Branch
725 N 7TH ST MINNEAPOLIS MN
ELECTRUS
Electrus Electrus Branch
7100 Brooklyn Blvd Brooklyn Center MN
TWO HARBORS
Two Harbors Two Harbors Branch
626 Second Avenue Two Harbors MN
FIREFLY
Us Us Branch
1400 Riverwood Drive Burnsville MN
FIRST ALLIANCE
First Alliance First Alliance Branch
320 ALLIANCE PL NE ROCHESTER MN
DIVERSIFIED
Diversified Diversified Branch
700 Linden Ave W Minneapolis MN
BUILDING TRADES
Building Trades Building Trades Branch
12080 73rd Ave N Maple Grove MN
MINNESOTA CATHOLIC
St. John's Of Little St. John's Of Little Branch
400 E Little Canada Rd Little Canada MN
SMW FINANCIAL
Maplewood Maplewood Branch
1691 Cope Ave E Maplewood MN
MINNCO
Minnco Minnco Branch
235 First Avenue W Cambridge MN
SHAREPOINT
Sharepoint Sharepoint Branch
750 2nd St NE Suite 200 Hopkins MN
LEADING EDGE
Fulda Area Fulda Area Branch
205 N ST PAUL AVE FULDA MN
HEARTLAND
Heartland Heartland Branch
5500 South Robert Trail Inver Grove Hei MN
ALTRA
Altra Altra Branch
526 Orrin Street Winona MN
TRADES & LABOR
Trades & Labor Trades & Labor Branch
610 SO BROADWAY AVE ALBERT LEA MN
RED WING
Red Wing Red Wing Branch
3303 N Service Dr Red Wing MN
STAR CHOICE
Star Choice Star Choice Branch
10750 France Ave S Minneapolis MN
SHARE ADVANTAGE
Share Advantage Share Advantage Branch
2502 Maple Grove Rd Duluth MN
EMBARRASS VERMILLION
Embarrass Vermillion Embarrass Vermillion Branch
510 WEST 3RD AVE NORTH AURORA MN
NORTH STAR
Cook Area Cook Area Branch
24 South River St Cook MN
BLAZE
Woodbury Woodbury Branch
195 Radio Drive Woodbury MN
MINNESOTA VALLEY
Minnesota Valley Minnesota Valley Branch
1640 ADAMS ST MANKATO MN
IDEAL
St. Paul Postal Empl St. Paul Postal Empl Branch
8499 Tamarack Rd Woodbury MN
NORTHERN COMMUNITIES
Northern Communities Northern Communities Branch
3311 West Arrowhead Road Duluth MN
TWO HARBORS
Two Harbors Two Harbors Branch
626 Second Avenue Two Harbors MN
MARINE
Marine Marine Branch
322 Mill St Peterson MN
SMW FINANCIAL
Maplewood Maplewood Branch
1691 Cope Ave E Maplewood MN
STAR CHOICE
Star Choice Star Choice Branch
10750 France Ave S Minneapolis MN
UNITY ONE
Unity One Unity One Branch
684 Transfer Rd Saint Paul MN
FINANCIAL ONE
Financial One Financial One Branch
843 40th Ave NE Columbia Height MN
TRUSTAR
Trustar Trustar Branch
601 4TH STREET INTERNATIONAL F MN
MID MINNESOTA
Mid Minnesota Mid Minnesota Branch
13283 Isle Dr Baxter MN
ACCENTRA
Accentra Accentra Branch
400 4TH AVE NE AUSTIN MN
PIPEFITTERS-STEAMFITTERS
Pipefitters-steamfit Pipefitters-steamfit Branch
411 Main Street, Suite 102 Saint Paul MN
HOME TOWN
Hyvee Hyvee Branch
1620 S Cedar Ave Owatonna MN
PROCTOR
Proctor Proctor Branch
410 n second av proctor MN
ANOKA HENNEPIN
Anoka Hennepin Anoka Hennepin Branch
3505 Northdale Blvd NW Coon Rapids MN
NORTHWOODS
Northwoods Northwoods Branch
1702 Avenue B Cloquet MN
GREAT RIVER
Great River Great River Branch
1532 W Saint Germain Saint Cloud MN
MY
Richfield-bloomingto Richfield-bloomingto Branch
345 E 77th Street Richfield MN
GREAT RIVER
Great River Great River Branch
1532 W Saint Germain Saint Cloud MN
HARBOR POINTE
Duluth Teachers Duluth Teachers Branch
11 West 2nd St Duluth MN
MY
Richfield-bloomingto Richfield-bloomingto Branch
345 E 77th Street Richfield MN
HARBOR POINTE
Duluth Teachers Duluth Teachers Branch
11 West 2nd St Duluth MN


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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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