Minnesota

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Credit Union CD Rates – 6-Month – Crystal, Minnesota

You are viewing rates from credit unions across Crystal

 

Below are the best six month CD Rates from credit unions in Crystal, 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.

Crystal, MN - July 3, 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

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: 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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Rate History: 3.71% → 3.48% → 3.48% → 3.75% → 3.49%

| 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: 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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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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0.35%

$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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0.28%

$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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0.20%

$1,000

-

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0.20%

$10,000

-

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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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0.15%

$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

0.05%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

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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
SUPERIOR CHOICE
Hermantown Branch Hermantown Branch
4161 Haines Rd Hermantown MN
AFFINITY PLUS
Saint Paul - Lafayette Saint Paul - Lafayette Branch
175 W Lafayette Frontage Rd Saint Paul MN
ST. PAUL
Conway Conway Branch
1330 Conway St Ste 200 Saint Paul MN
MAGNIFI FINANCIAL
Administration Center Administration Center Branch
20 4th Ave SE Melrose MN
GENISYS
29 Eagan 29 Eagan Branch
1519 Central Pkwy Eagan MN
GENISYS
29 Eagan 29 Eagan Branch
1519 Central Pkwy Eagan MN
MAGNIFI FINANCIAL
Administration Center Administration Center Branch
20 4th Ave SE Melrose MN
MAGNIFI FINANCIAL
Administration Center Administration Center Branch
20 4th Ave SE Melrose MN
MAGNIFI FINANCIAL
Administration Center Administration Center Branch
20 4th Ave SE Melrose MN
MAGNIFI FINANCIAL
Administration Center Administration Center Branch
20 4th Ave SE Melrose MN
SUPERIOR CHOICE
Hermantown Branch Hermantown Branch
4161 Haines Rd Hermantown MN
TRUSTONE FINANCIAL
Corporate Office Corporate Office Branch
14601 27th Ave N Plymouth MN
BAXTER
Maple Grove Maple Grove Branch
2 Scimed Pl Maple Grove MN
ROYAL
Edina Office Edina Office Branch
4450 W 76th St Edina MN
WINGS FINANCIAL
Wings Financial Wings Financial Branch
8101 34th Ave S Bloomington MN
WINGS FINANCIAL
Wings Financial Wings Financial Branch
8101 34th Ave S Bloomington MN
WEST METRO SCHOOLS
Main Office Main Office Branch
1001 Highway 7 Hopkins MN
TRADES & LABOR
Trades & Labor Fcu Trades & Labor Fcu Branch
610 S BROADWAY AVE ALBERT LEA MN
TRUSTAR
International Falls International Falls Branch
601 4th St International Falls MN
CATHOLIC UNITED FINANCIAL
Main Office Main Office Branch
3499 LEXINGTON AVE N SAINT PAUL MN
ASHLAND
Cottage Grove Branch Cottage Grove Branch
8711 E Point Douglas Rd S Ste 101 Cottage Grove MN
CO-OP CREDIT UNION OF MONTEVIDEO
Co-op Credit Union Of Montevideo Co-op Credit Union Of Montevideo Branch
2407 E Highway 7 Montevideo MN
CROW WING POWER
Corporate Office Corporate Office Branch
17330 State Highway 371 Brainerd MN
HIWAY
Empire Empire Branch
111 Empire Dr Saint Paul MN
OTTER TAIL
Otter Tail Credit Union Otter Tail Credit Union Branch
413 W Stanton Ave Fergus Falls MN
TOPLINE
Main Office Main Office Branch
9353 Jefferson Hwy Maple Grove MN
SOUTHPOINT FINANCIAL
Sleepy Eye Sleepy Eye Branch
920 Main St E Sleepy Eye MN
IDEAL
Woodbury Woodbury Branch
8499 Tamarack Rd Woodbury MN
TOPLINE
Main Office Main Office Branch
9353 Jefferson Hwy Maple Grove MN
ASHLAND
Cottage Grove Branch Cottage Grove Branch
8711 E Point Douglas Rd S Ste 101 Cottage Grove MN
BUILDING TRADES
Building Trades Cu - Maple Grove Building Trades Cu - Maple Grove Branch
12080 73rd Ave N Maple Grove MN
ASSOCIATED HEALTHCARE
St Paul Office St Paul Office Branch
360 Sherman St Saint Paul MN
GREATER COMMUNITY
Dawson Co-op Credit Union Dawson Co-op Credit Union Branch
711 6th St Dawson MN
LEADING EDGE
Fulda Fulda Branch
205 N St Paul Ave Fulda MN
CITY & COUNTY
Main Office Main Office Branch
144 11th St E Saint Paul MN
HIWAY
Empire Empire Branch
111 Empire Dr Saint Paul MN
TRANSIT OPERATIONS
Main Main Branch
725 N 7TH ST MINNEAPOLIS MN
ELECTRUS
Electrus Federal Credit Union Electrus Federal Credit Union Branch
7100 Brooklyn Blvd Brooklyn Center MN
TWO HARBORS
Main Office Main Office Branch
801 11th St Two Harbors MN
FIREFLY
Corporate Office Corporate Office Branch
1400 Riverwood Dr Burnsville MN
FIRST ALLIANCE
Main Office Main Office Branch
320 Alliance Pl NE Rochester MN
DIVERSIFIED
Linden Linden Branch
700 Linden Ave W Minneapolis MN
BUILDING TRADES
Building Trades Cu - Maple Grove Building Trades Cu - Maple Grove Branch
12080 73rd Ave N Maple Grove MN
MINNESOTA CATHOLIC
Main Office Main Office Branch
400 Little Canada Rd E Little Canada MN
SMW FINANCIAL
Lino Lakes Lino Lakes Branch
700 Apollo Dr Lino Lakes MN
MINNCO
Main Office Main Office Branch
235 1st Ave W Cambridge MN
SHAREPOINT
St. Louis Park St. Louis Park Branch
3670 AQUILA AVE S SAINT LOUIS PARK MN
LEADING EDGE
Fulda Fulda Branch
205 N St Paul Ave Fulda MN
HEARTLAND
Lol - Shoreview Lol - Shoreview Branch
1050 County Road F W Shoreview MN
ALTRA
Altra Federal Credit Union Altra Federal Credit Union Branch
526 ORRIN ST WINONA MN
TRADES & LABOR
Trades & Labor Fcu Trades & Labor Fcu Branch
610 S BROADWAY AVE ALBERT LEA MN
RED WING
Red Wing Credit Union Red Wing Credit Union Branch
3303 N Service Dr Red Wing MN
STAR CHOICE
Star Choice Credit Union - Bloomington Star Choice Credit Union - Bloomington Branch
10750 France Ave S Minneapolis MN
SHARE ADVANTAGE
Smdc Branch Smdc Branch
407 E 3rd St Duluth MN
EMBARRASS VERMILLION
Tower Branch Tower Branch
505 Main St Tower MN
NORTH STAR
Main Office 24 S River St Main Office 24 S River St Branch
24 S River St Cook MN
BLAZE
Blaine Blaine Branch
8700 University Ave NW Coon Rapids MN
MINNESOTA VALLEY
Drl Drl Branch
100 Memorial View Ct Mankato MN
IDEAL
Woodbury Woodbury Branch
8499 Tamarack Rd Woodbury MN
NORTHERN COMMUNITIES
Arrowhead Arrowhead Branch
3311 W Arrowhead Rd Duluth MN
TWO HARBORS
Main Office Main Office Branch
801 11th St Two Harbors MN
MARINE
Rush Rush Branch
218 S Mill St Rushford MN
SMW FINANCIAL
Lino Lakes Lino Lakes Branch
700 Apollo Dr Lino Lakes MN
STAR CHOICE
Star Choice Credit Union - Bloomington Star Choice Credit Union - Bloomington Branch
10750 France Ave S Minneapolis MN
UNITY ONE
Inver Grove Heights Branch Inver Grove Heights Branch
5300 S Robert Trl Ste 100 Inver Grove Heights MN
FINANCIAL ONE
Financial One Credit Union Financial One Credit Union Branch
843 40th Ave NE Columbia Heights MN
TRUSTAR
International Falls International Falls Branch
601 4th St International Falls MN
MID MINNESOTA
Mid Minnesota Federal Credit Union Mid Minnesota Federal Credit Union Branch
13283 Isle Dr Baxter MN
ACCENTRA
Accentra Credit Union Accentra Credit Union Branch
400 4th Ave NE Austin MN
PIPEFITTERS-STEAMFITTERS
Pipefitters Steamfitters Credit Union Pipefitters Steamfitters Credit Union Branch
411 Main St Ste 102 Saint Paul MN
HOME TOWN
Bridge Street Bridge Street Branch
2400 W Bridge St Owatonna MN
PROCTOR
Proctor Office Proctor Office Branch
410 N 2nd Ave proctor MN
ANOKA HENNEPIN
Anoka Branch Anoka Branch
601 E Main St Anoka MN
NORTHWOODS
Cloquet Cloquet Branch
1702 Avenue B Cloquet MN
GREAT RIVER
Saint Cloud Saint Cloud Branch
1532 W Saint Germain St Saint Cloud MN
MY
Bloomington Bloomington Branch
4025 W Old Shakopee Rd Bloomington MN
GREAT RIVER
Saint Cloud Saint Cloud Branch
1532 W Saint Germain St Saint Cloud MN
HARBOR POINTE
Downtown Main Office Downtown Main Office Branch
11 W 2nd St Duluth MN
MY
Bloomington Bloomington Branch
4025 W Old Shakopee Rd Bloomington MN
HARBOR POINTE
Downtown Main Office Downtown Main Office Branch
11 W 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.

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