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Minnesota CD Rates

Below are the best one year CD Rates from banks in Minnesota. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

MN - February 13, 2016

1 Year CD National Average : 0.37% ?

Bank APY MIN MILES ?
Beal Bank Usa 1.01% $1,000 - Learn MoreShow Less
Charter Bank Eau Claire 1.00% $25,000 - Learn MoreShow Less
Riverland Bank 1.00% $1,000 - Learn MoreShow Less
The First National Bank Of Henning 0.90% $1,000 - Learn MoreShow Less
The First National Bank Of Battle Lake 0.90% $1,000 - Learn MoreShow Less
Northview Bank 0.85% $96,000 - Learn MoreShow Less
Bankvista 0.80% $1,000 - Learn MoreShow Less
Northview Bank 0.75% $1,000 - Learn MoreShow Less
Cortrust Bank National Association 0.75% $500 - Learn MoreShow Less
Ultima Bank Minnesota 0.75% $1,000 - Learn MoreShow Less
Signature Bank 0.75% $2,500 - Learn MoreShow Less
Eitzen State Bank 0.75% $10,000 - Learn MoreShow Less
Lake City Federal Bank 0.75% $1,000 - Learn MoreShow Less
Visionbank 0.75% $1 - Learn MoreShow Less
Foresight Bank 0.70% $100,000 - Learn MoreShow Less
First State Bank Of Kiester 0.70% $100,000 - Learn MoreShow Less
The Wanda State Bank 0.70% $500 - Learn MoreShow Less
North American Banking Company 0.66% $100,000 - Learn MoreShow Less
First Western Bank & Trust 0.65% $500 - Learn MoreShow Less
Citizens State Bank Of Hayfield 0.65% $20,000 - Learn MoreShow Less
First State Bank Of Sauk Centre 0.65% $25,000 - Learn MoreShow Less
Ultima Bank Minnesota 0.65% $1,000 - Learn MoreShow Less
Farmers And Merchants State Bank Of Alpha 0.65% $500 - Learn MoreShow Less
Minnesota First Credit And Savings, Incorporated 0.65% $500 - Learn MoreShow Less
Grand Timber Bank 0.64% $75,000 - Learn MoreShow Less
North American Banking Company 0.62% $10,000 - Learn MoreShow Less
Bank Of Zumbrota 0.61% $100,000 - Learn MoreShow Less
Janesville State Bank 0.60% $25,000 - Learn MoreShow Less
American State Bank Of Grygla 0.60% $500 - Learn MoreShow Less
Foresight Bank 0.60% $10,000 - Learn MoreShow Less
Park State Bank 0.60% $25,000 - Learn MoreShow Less
The First National Bank At St. James 0.60% $500 - Learn MoreShow Less
Citizens Community Federal National Association 0.60% $2,000 - Learn MoreShow Less
First Financial Bank In Winnebago 0.60% $500 - Learn MoreShow Less
Grand Marais State Bank 0.60% $1,000 - Learn MoreShow Less
First State Bank Of Wabasha 0.60% $50,000 - Learn MoreShow Less
Integrity Bank Plus 0.60% $500 - Learn MoreShow Less
The First National Bank Of Moose Lake 0.60% $1,000 - Learn MoreShow Less
Alliance Bank 0.60% $2,500 - Learn MoreShow Less
Choice Financial Group 0.60% $1,000 - Learn MoreShow Less
Peoples State Bank Of Plainview 0.60% $10,000 - Learn MoreShow Less
First State Bank Southwest 0.60% $95,000 - Learn MoreShow Less
The First National Bank Of Gilbert 0.55% $100,000 - Learn MoreShow Less
Stearns Bank Holdingford National Association 0.55% $2,500 - Learn MoreShow Less
Bank Of Maple Plain 0.55% $1,000 - Learn MoreShow Less
Wadena State Bank 0.55% $10,000 - Learn MoreShow Less
Midcountry Bank 0.55% $1,000 - Learn MoreShow Less
The First National Bank Of Le Center 0.55% $2,500 - Learn MoreShow Less
Farmers State Bank Of Underwood 0.55% $1,000 - Learn MoreShow Less
Altura State Bank 0.55% $1,000 - Learn MoreShow Less
State Bank Of Easton 0.55% $10,000 - Learn MoreShow Less
Border State Bank 0.55% $50,000 - Learn MoreShow Less
Midwest Bank 0.55% $25,000 - Learn MoreShow Less
Citizens State Bank Of Roseau 0.55% $1,000 - Learn MoreShow Less
First State Bank Of Sauk Centre 0.55% $10,000 - Learn MoreShow Less
American National Bank Of Minnesota 0.55% $5,000 - Learn MoreShow Less
Stearns Bank National Association 0.55% $2,500 - Learn MoreShow Less
Security Bank Usa 0.55% $25,000 - Learn MoreShow Less
The First National Bank Of Bemidji 0.55% $25,000 - Learn MoreShow Less
Viking Savings Bank 0.55% $500 - Learn MoreShow Less
Stearns Bank Upsala National Association 0.55% $2,500 - Learn MoreShow Less
Community Bank Mankato 0.55% $1,000 - Learn MoreShow Less
Minnesota National Bank 0.54% $75,000 - Learn MoreShow Less
Equity Bank 0.51% $500 - Learn MoreShow Less
Cornerstone State Bank 0.50% $75,000 - Learn MoreShow Less
Randall State Bank 0.50% $1 - Learn MoreShow Less
Avon State Bank 0.50% $100,000 - Learn MoreShow Less
First Minnesota Bank 0.50% $10,000 - Learn MoreShow Less
Farmers And Merchants State Bank Of Blooming Prairie 0.50% $500 - Learn MoreShow Less
Franklin State Bank 0.50% $1,000 - Learn MoreShow Less
First State Bank Of Grove City 0.50% $1,000 - Learn MoreShow Less
Vergas State Bank 0.50% $500 - Learn MoreShow Less
The Citizens National Bank Of Park Rapids 0.50% $500 - Learn MoreShow Less
St. Clair State Bank (incorporated) 0.50% $250 - Learn MoreShow Less
First Citizens National Bank 0.50% $50,000 - Learn MoreShow Less
Farmers & Merchants State Bank Of New York Mills, Incorporated 0.50% $500 - Learn MoreShow Less
Republic Bank, Inc. 0.50% $10,000 - Learn MoreShow Less
Park State Bank 0.50% $2,500 - Learn MoreShow Less
F & M Bank Minnesota 0.50% $900 - Learn MoreShow Less
Pioneer Bank 0.50% $500 - Learn MoreShow Less
Adrian State Bank 0.50% $75,000 - Learn MoreShow Less
Welcome State Bank 0.50% $250 - Learn MoreShow Less
Border State Bank 0.50% $2,500 - Learn MoreShow Less
Farmers Trust And Savings Bank 0.50% $25,000 - Learn MoreShow Less
Glenwood State Bank (incorporated) 0.50% $50,000 - Learn MoreShow Less
United Farmers State Bank 0.50% $1,000 - Learn MoreShow Less
Reliance Bank 0.50% $1,000 - Learn MoreShow Less
Venture Bank 0.50% $100,000 - Learn MoreShow Less
Vantage Bank 0.50% $500 - Learn MoreShow Less
American National Bank 0.50% $100,000 - Learn MoreShow Less
Odin State Bank 0.50% $10,000 - Learn MoreShow Less
Granite Falls Bank 0.50% $1,000 - Learn MoreShow Less
The First National Bank Of Walker 0.50% $100 - Learn MoreShow Less
State Bank Of New Richland 0.46% $50,000 - Learn MoreShow Less
Citizens Bank Minnesota 0.45% $500 - Learn MoreShow Less
Minnesota Bank & Trust 0.45% $1,000 - Learn MoreShow Less
First State Bank Of Ashby 0.45% $500 - Learn MoreShow Less
First State Bank Of Wabasha 0.45% $10,000 - Learn MoreShow Less
Unity Bank North 0.45% $25,000 - Learn MoreShow Less
Alliance Bank 0.45% $500 - Learn MoreShow Less
Woodlands National Bank 0.45% $10,000 - Learn MoreShow Less
Red River State Bank 0.45% $1,000 - Learn MoreShow Less
Farmers State Bank Of Watkins 0.45% $5,000 - Learn MoreShow Less
Avon State Bank 0.45% $1,000 - Learn MoreShow Less
State Bank Of Lake Park 0.45% $500 - Learn MoreShow Less
Farmers & Merchants Savings Bank 0.45% $50,000 - Learn MoreShow Less
Liberty Savings Bank Fsb 0.45% $500 - Learn MoreShow Less
Cornerstone State Bank 0.45% $500 - Learn MoreShow Less
Janesville State Bank 0.45% $500 - Learn MoreShow Less
Harvest Bank 0.45% $25,000 - Learn MoreShow Less
First Community Bank 0.45% $25,000 - Learn MoreShow Less
State Bank Of Richmond 0.45% $5,000 - Learn MoreShow Less
Think Mutual Bank 0.45% $50,000 - Learn MoreShow Less
The First National Bank In Wadena 0.45% $1,000 - Learn MoreShow Less
The Northern State Bank Of Gonvick 0.45% $25,000 - Learn MoreShow Less
Lakeview Bank 0.45% $500 - Learn MoreShow Less
Pine River State Bank 0.45% $1,000 - Learn MoreShow Less
Northern State Bank Of Thief River Falls 0.45% $100,000 - Learn MoreShow Less
Flagship Bank Minnesota 0.45% $500 - Learn MoreShow Less
Sherburne State Bank 0.45% $50,000 - Learn MoreShow Less
Premier Bank 0.45% $1,000 - Learn MoreShow Less
Marshall County State Bank 0.45% $25,000 - Learn MoreShow Less
Sentry Bank 0.45% $10,000 - Learn MoreShow Less
The First National Bank Of Gilbert 0.45% $10,000 - Learn MoreShow Less
Minnesota National Bank 0.45% $10,000 - Learn MoreShow Less
State Bank Of Belle Plaine 0.45% $1,000 - Learn MoreShow Less
Bonanza Valley State Bank 0.45% $500 - Learn MoreShow Less
Citizens State Bank Of Hayfield 0.45% $500 - Learn MoreShow Less
First Bank Blue Earth 0.45% $1,000 - Learn MoreShow Less
The First National Bank Of Bemidji 0.45% $10,000 - Learn MoreShow Less
Kodabank 0.45% $100,000 - Learn MoreShow Less
First Farmers & Merchants Bank 0.45% $25,000 - Learn MoreShow Less
Security State Bank 0.45% $500 - Learn MoreShow Less
Farmers And Merchants State Bank Of Pierz 0.45% $2,500 - Learn MoreShow Less
Grand Timber Bank 0.44% $500 - Learn MoreShow Less
Security Bank & Trust Company 0.42% $50,000 - Learn MoreShow Less
Bank Of Zumbrota 0.41% $500 - Learn MoreShow Less
Mid-central Federal Savings Bank 0.40% $500 - Learn MoreShow Less
Sherburne State Bank 0.40% $10,000 - Learn MoreShow Less
American Bank Of The North 0.40% $50,000 - Learn MoreShow Less
First State Bank Of Okabena (incorporated) 0.40% $2,500 - Learn MoreShow Less
First State Bank Of Swanville 0.40% $1,000 - Learn MoreShow Less
Currie State Bank 0.40% $500 - Learn MoreShow Less
The First National Bank Of Bagley 0.40% $1,000 - Learn MoreShow Less
Falcon National Bank 0.40% $10,000 - Learn MoreShow Less
Produce State Bank 0.40% $1,000 - Learn MoreShow Less
Northern State Bank Of Thief River Falls 0.40% $10,000 - Learn MoreShow Less
Central Bank 0.40% $25,000 - Learn MoreShow Less
Bridgewater Bank 0.40% $10,000 - Learn MoreShow Less
Hometown Community Bank 0.40% $500 - Learn MoreShow Less
Lowry State Bank 0.40% $500 - Learn MoreShow Less
Security State Bank Of Kenyon 0.40% $10,000 - Learn MoreShow Less
Community Bank Owatonna 0.40% $1,000 - Learn MoreShow Less
Citizens State Bank Norwood Young America 0.40% $500 - Learn MoreShow Less
First Southeast Bank 0.40% $500 - Learn MoreShow Less
Stonebridge Bank 0.40% $500 - Learn MoreShow Less
First State Bank Of Clearbrook 0.40% $100 - Learn MoreShow Less
Minnstar Bank National Association 0.40% $500 - Learn MoreShow Less
Think Mutual Bank 0.40% $250 - Learn MoreShow Less
Security Bank Usa 0.40% $10,000 - Learn MoreShow Less
Altura State Bank 0.40% $1,000 - Learn MoreShow Less
Provincial Bank 0.40% $1,000 - Learn MoreShow Less
The Northern State Bank Of Gonvick 0.40% $10,000 - Learn MoreShow Less
Glenwood State Bank (incorporated) 0.40% $10,000 - Learn MoreShow Less
Harvest Bank 0.40% $1,000 - Learn MoreShow Less
The First National Bank Of Osakis 0.40% $10,000 - Learn MoreShow Less
The First National Bank Of Milaca 0.40% $500 - Learn MoreShow Less
Citizens State Bank Of Glenville 0.40% $1,000 - Learn MoreShow Less
Eagle Valley Bank, National Association 0.40% $100,000 - Learn MoreShow Less
Olmsted National Bank 0.40% $2,500 - Learn MoreShow Less
Farmers State Bank Of Hoffman 0.40% $1,000 - Learn MoreShow Less
Marshall County State Bank 0.40% $10,000 - Learn MoreShow Less
Venture Bank 0.40% $10,000 - Learn MoreShow Less
Star Bank 0.40% $500 - Learn MoreShow Less
State Bank Of Wheaton 0.40% $10,000 - Learn MoreShow Less
Exchange State Bank 0.40% $500 - Learn MoreShow Less
Security Bank & Trust Company 0.40% $10,000 - Learn MoreShow Less
Citizens State Bank Of Waverly, Inc. 0.40% $1,000 - Learn MoreShow Less
Granite Community Bank 0.40% $10,000 - Learn MoreShow Less
Midwest Bank 0.40% $1,000 - Learn MoreShow Less
North American State Bank 0.40% $50,000 - Learn MoreShow Less
United Community Bank 0.40% $100 - Learn MoreShow Less
Peoples State Bank Of Madison Lake 0.40% $25,000 - Learn MoreShow Less
Manufacturers Bank & Trust Company 0.40% $100,000 - Learn MoreShow Less
Blackridgebank 0.40% $500 - Learn MoreShow Less
Neighborhood National Bank 0.40% $1,000 - Learn MoreShow Less
Dacotah Bank 0.40% $10,000 - Learn MoreShow Less
Farmers Trust And Savings Bank 0.40% $1,000 - Learn MoreShow Less
State Bank Of Danvers 0.40% $25,000 - Learn MoreShow Less
Minnesota Lakes Bank 0.39% $75,000 - Learn MoreShow Less
State Bank Of Hamburg 0.38% $1,000 - Learn MoreShow Less
Profinium, Inc. 0.37% $5,000 - Learn MoreShow Less
First Security Bank 0.35% $500 - Learn MoreShow Less
Prime Security Bank 0.35% $1,000 - Learn MoreShow Less
Unity Bank North 0.35% $10,000 - Learn MoreShow Less
American Bank Of The North 0.35% $10,000 - Learn MoreShow Less
Eagle Community Bank 0.35% $1,000 - Learn MoreShow Less
Prairie Sun Bank 0.35% $10,000 - Learn MoreShow Less
Citizens State Bank - Midwest 0.35% $100,000 - Learn MoreShow Less
First Independent Bank 0.35% $500 - Learn MoreShow Less
The Gary State Bank 0.35% $100 - Learn MoreShow Less
Security Bank Minnesota 0.35% $25,000 - Learn MoreShow Less
Farmers And Merchants State Bank Of Appleton 0.35% $300 - Learn MoreShow Less
Drake Bank 0.35% $500 - Learn MoreShow Less
Red River State Bank 0.35% $1,000 - Learn MoreShow Less
First Farmers & Merchants National Bank 0.35% $1,000 - Learn MoreShow Less
Western National Bank 0.35% $100,000 - Learn MoreShow Less
Blackridgebank 0.35% $500 - Learn MoreShow Less
Minnwest Bank 0.35% $10,000 - Learn MoreShow Less
Community Development Bank, Fsb 0.35% $100 - Learn MoreShow Less
First State Bank Of Wyoming 0.35% $1,000 - Learn MoreShow Less
Arlington State Bank 0.35% $500 - Learn MoreShow Less
Kodabank 0.35% $1,000 - Learn MoreShow Less
First State Bank Of Le Center 0.35% $1,000 - Learn MoreShow Less
First State Bank Of Kiester 0.35% $2,500 - Learn MoreShow Less
First State Bank Southwest 0.35% $10,000 - Learn MoreShow Less
First Citizens National Bank 0.35% $5,000 - Learn MoreShow Less
Landmark Community Bank, National Association 0.35% $25,000 - Learn MoreShow Less
First National Bank 0.35% $1,000 - Learn MoreShow Less
Financial Security Bank 0.35% $50,000 - Learn MoreShow Less
Farmers State Bank Of Hamel 0.35% $2,500 - Learn MoreShow Less
Security State Bank Of Aitkin 0.35% $500 - Learn MoreShow Less
Kensington Bank 0.35% $1,000 - Learn MoreShow Less
Eagle Bank 0.35% $25,000 - Learn MoreShow Less
Progrowth Bank 0.35% $90,000 - Learn MoreShow Less
Security State Bank Of Wanamingo 0.35% $500 - Learn MoreShow Less
Coulee Bank 0.35% $10,000 - Learn MoreShow Less
Farmers State Bank Of Trimont 0.35% $5,000 - Learn MoreShow Less
Northern State Bank 0.35% $5,000 - Learn MoreShow Less
State Bank Of Danvers 0.35% $500 - Learn MoreShow Less
State Bank Of Chandler 0.35% $100 - Learn MoreShow Less
State Bank Of Cold Spring 0.35% $10,000 - Learn MoreShow Less
Unity Bank 0.35% $25,000 - Learn MoreShow Less
Great Southern Bank 0.35% $250 - Learn MoreShow Less
Peoples Bank 0.34% $7,500 - Learn MoreShow Less
Paragon Bank 0.33% $1,000 - Learn MoreShow Less
Profinium, Inc. 0.31% $1 - Learn MoreShow Less
Security Bank Minnesota 0.30% $10,000 - Learn MoreShow Less
First National Bank In Mahnomen 0.30% $10,000 - Learn MoreShow Less
Adrian State Bank 0.30% $500 - Learn MoreShow Less
Farmers State Bank Of Darwin 0.30% $1,000 - Learn MoreShow Less
Citizens State Bank - Midwest 0.30% $500 - Learn MoreShow Less
Farmers And Merchants State Bank Of Springfield 0.30% $500 - Learn MoreShow Less
Pine Country Bank 0.30% $10,000 - Learn MoreShow Less
Farmers State Bank Of Hartland 0.30% $500 - Learn MoreShow Less
Fidelity Bank 0.30% $25,000 - Learn MoreShow Less
Farmers & Merchants Savings Bank 0.30% $10,000 - Learn MoreShow Less
The Lake Bank 0.30% $5,000 - Learn MoreShow Less
Alerus Financial, National Association 0.30% $75,000 - Learn MoreShow Less
F & M Community Bank, National Association 0.30% $25,000 - Learn MoreShow Less
First Farmers & Merchants Bank 0.30% $7,500 - Learn MoreShow Less
First Community Bank 0.30% $5,000 - Learn MoreShow Less
First State Bank Of Fountain 0.30% $300 - Learn MoreShow Less
State Bank Of Lismore 0.30% $500 - Learn MoreShow Less
Root River State Bank 0.30% $300 - Learn MoreShow Less
Northwoods Bank Of Minnesota 0.30% $1,000 - Learn MoreShow Less
State Bank In Eden Valley 0.30% $1,500 - Learn MoreShow Less
Pine River State Bank 0.30% $1,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.30% $50,000 - Learn MoreShow Less
State Bank Of Fairmont 0.30% $500 - Learn MoreShow Less
Financial Security Bank 0.30% $10,000 - Learn MoreShow Less
First Bank & Trust 0.30% $100 - Learn MoreShow Less
American Heritage National Bank 0.30% $5,000 - Learn MoreShow Less
The First State Bank Of Red Wing 0.30% $500 - Learn MoreShow Less
Western National Bank 0.30% $10,000 - Learn MoreShow Less
North Shore Bank Of Commerce 0.30% $2,500 - Learn MoreShow Less
The First National Bank Of Fairfax 0.30% $500 - Learn MoreShow Less
Home State Bank 0.30% $2,500 - Learn MoreShow Less
Citizens Alliance Bank 0.30% $500 - Learn MoreShow Less
Lake Community Bank 0.30% $1,000 - Learn MoreShow Less
First Farmers & Merchants State Bank Of Grand Meadow 0.30% $1,000 - Learn MoreShow Less
National Bank Of Commerce 0.30% $10,000 - Learn MoreShow Less
Landmark Community Bank, National Association 0.30% $1,000 - Learn MoreShow Less
The First National Bank Of Cokato 0.30% $1,000 - Learn MoreShow Less
Peoples State Bank Of Madison Lake 0.30% $5,000 - Learn MoreShow Less
Western National Bank 0.30% $10,000 - Learn MoreShow Less
Eagle Bank 0.30% $10,000 - Learn MoreShow Less
State Bank Of Taunton 0.30% $500 - Learn MoreShow Less
Annandale State Bank 0.30% $1,000 - Learn MoreShow Less
Central Bank 0.30% $10,000 - Learn MoreShow Less
Northern State Bank Of Virginia 0.30% $25,000 - Learn MoreShow Less
Riverwood Bank 0.30% $25,000 - Learn MoreShow Less
Plaza Park State Bank 0.30% $500 - Learn MoreShow Less
United Prairie Bank 0.30% $1 - Learn MoreShow Less
Bank Forward 0.30% $500 - Learn MoreShow Less
Security State Bank Of Fergus Falls 0.30% $25,000 - Learn MoreShow Less
Eagle Valley Bank, National Association 0.30% $10,000 - Learn MoreShow Less
Concorde Bank 0.29% $500 - Learn MoreShow Less
State Bank Of New Richland 0.26% $10,000 - Learn MoreShow Less
First Farmers & Merchants National Bank 0.25% $1,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.25% $500 - Learn MoreShow Less
Farmers State Bank Of West Concord 0.25% $250 - Learn MoreShow Less
Home Federal Bank 0.25% $500 - Learn MoreShow Less
Roundbank 0.25% $50,000 - Learn MoreShow Less
Cambridge State Bank 0.25% $1,000 - Learn MoreShow Less
United Minnesota Bank 0.25% $500 - Learn MoreShow Less
First State Bank Minnesota 0.25% $500 - Learn MoreShow Less
Valley Premier Bank 0.25% $500 - Learn MoreShow Less
First Farmers & Merchants State Bank 0.25% $1,000 - Learn MoreShow Less
The First National Bank Of Elk River 0.25% $10,000 - Learn MoreShow Less
Elysian Bank 0.25% $1,000 - Learn MoreShow Less
Bell State Bank & Trust 0.25% $100,000 - Learn MoreShow Less
Community Pride Bank 0.25% $500 - Learn MoreShow Less
Castle Rock Bank 0.25% $2,000 - Learn MoreShow Less
Unity Bank 0.25% $10,000 - Learn MoreShow Less
United Valley Bank 0.25% $500 - Learn MoreShow Less
First Security Bank - Sleepy Eye 0.25% $500 - Learn MoreShow Less
Wells Federal Bank 0.25% $5,001 - Learn MoreShow Less
Northeast Bank 0.25% $10,000 - Learn MoreShow Less
Lake Elmo Bank 0.25% $25,000 - Learn MoreShow Less
Peoples State Bank Of Wells 0.25% $1,000 - Learn MoreShow Less
Rushford State Bank (incorporated) 0.25% $500 - Learn MoreShow Less
First International Bank & Trust 0.25% $100,000 - Learn MoreShow Less
First National Bank 0.25% $1,000 - Learn MoreShow Less
The First National Bank Of Coleraine 0.25% $500 - Learn MoreShow Less
Lake Country Community Bank 0.25% $1,000 - Learn MoreShow Less
Peoples Bank Midwest 0.25% $25,000 - Learn MoreShow Less
The First National Bank Of Northfield 0.25% $1,000 - Learn MoreShow Less
Community Resource Bank 0.25% $25,000 - Learn MoreShow Less
State Bank Of Delano 0.25% $500 - Learn MoreShow Less
The First National Bank Of Proctor 0.25% $100 - Learn MoreShow Less
The Pioneer National Bank Of Duluth 0.25% $1,000 - Learn MoreShow Less
The Nicollet County Bank Of Saint Peter 0.25% $10,000 - Learn MoreShow Less
Lake Region Bank 0.25% $1 - Learn MoreShow Less
First Security Bank - Canby. 0.25% $10,000 - Learn MoreShow Less
Hometown Bank 0.25% $1,000 - Learn MoreShow Less
North American State Bank 0.25% $10,000 - Learn MoreShow Less
Grand Rapids State Bank 0.25% $1,000 - Learn MoreShow Less
First Minnetonka City Bank 0.25% $1,000 - Learn MoreShow Less
Farmers And Merchants State Bank Of Sacred Heart 0.25% $1,000 - Learn MoreShow Less
Financial Security Bank 0.25% $50,000 - Learn MoreShow Less
Progrowth Bank 0.25% $10,000 - Learn MoreShow Less
State Bank Of New Prague 0.25% $10,000 - Learn MoreShow Less
Kleinbank 0.25% $1,000 - Learn MoreShow Less
First National Bank Minnesota 0.25% $1,000 - Learn MoreShow Less
Village Bank 0.25% $1,000 - Learn MoreShow Less
Highland Bank 0.25% $1,000 - Learn MoreShow Less
Northern State Bank Of Virginia 0.25% $10,000 - Learn MoreShow Less
Alerus Financial, National Association 0.25% $2,500 - Learn MoreShow Less
Riverwood Bank 0.25% $10,000 - Learn MoreShow Less
Tcf National Bank 0.25% $100,000 - Learn MoreShow Less
Heritage Bank National Association 0.23% $10,000 - Learn MoreShow Less
The Bank Of Elk River 0.22% $200 - Learn MoreShow Less
Americana Community Bank 0.21% $500 - Learn MoreShow Less
Minnesota Lakes Bank 0.20% $10,000 - Learn MoreShow Less
Premier Bank Rochester 0.20% $10,000 - Learn MoreShow Less
Roundbank 0.20% $2,000 - Learn MoreShow Less
First National Bank 0.20% $1,000 - Learn MoreShow Less
Merchants Bank, National Association 0.20% $500 - Learn MoreShow Less
Security State Bank Of Marine 0.20% $300 - Learn MoreShow Less
Center National Bank 0.20% $500 - Learn MoreShow Less
Gate City Bank 0.20% $1,000 - Learn MoreShow Less
Fidelity Bank 0.20% $10,000 - Learn MoreShow Less
Peoples Bank Of Commerce 0.20% $10,000 - Learn MoreShow Less
Bank Midwest 0.20% $1 - Learn MoreShow Less
F & M Community Bank, National Association 0.20% $10,000 - Learn MoreShow Less
American National Bank 0.20% $5,000 - Learn MoreShow Less
Bankwest 0.20% $2,000 - Learn MoreShow Less
North Star Bank 0.20% $1 - Learn MoreShow Less
Crookston National Bank 0.20% $500 - Learn MoreShow Less
Frandsen Bank & Trust 0.20% $10,000 - Learn MoreShow Less
Charter Bank Eau Claire 0.20% $500 - Learn MoreShow Less
First American Bank, N.a. 0.20% $500 - Learn MoreShow Less
Bremer Bank, National Association 0.20% $10,000 - Learn MoreShow Less
West Bank 0.20% $25,000 - Learn MoreShow Less
Anchor Bank, National Association 0.20% $500 - Learn MoreShow Less
American Federal Bank 0.20% $10,000 - Learn MoreShow Less
Peoples Bank Midwest 0.20% $10,000 - Learn MoreShow Less
Security State Bank Of Fergus Falls 0.20% $10,000 - Learn MoreShow Less
Financial Security Bank 0.20% $10,000 - Learn MoreShow Less
Citizens Independent Bank 0.20% $500 - Learn MoreShow Less
Brainerd Savings And Loan Association, A Federal Association 0.20% $500 - Learn MoreShow Less
Bankcherokee 0.20% $1,000 - Learn MoreShow Less
Bell State Bank & Trust 0.20% $500 - Learn MoreShow Less
Bmo Harris Bank National Association 0.20% $100,000 - Learn MoreShow Less
Bank Mutual 0.20% $50,000 - Learn MoreShow Less
Woodland Bank 0.20% $500 - Learn MoreShow Less
Associated Bank, National Association 0.18% $100,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.17% $10,000 - Learn MoreShow Less
First National Bank 0.17% $1,000 - Learn MoreShow Less
Winona National Bank 0.16% $500 - Learn MoreShow Less
West Bank 0.15% $1,000 - Learn MoreShow Less
The First State Bank Of Rosemount 0.15% $500 - Learn MoreShow Less
Premier Bank Minnesota 0.15% $1,000 - Learn MoreShow Less
1st United Bank 0.15% $10,000 - Learn MoreShow Less
Lake Area Bank 0.15% $50,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.15% $10,000 - Learn MoreShow Less
New Market Bank 0.15% $1,000 - Learn MoreShow Less
Bmo Harris Bank National Association 0.15% $5,000 - Learn MoreShow Less
Bank Of The West 0.15% $10,000 - Learn MoreShow Less
Manufacturers Bank & Trust Company 0.15% $10,000 - Learn MoreShow Less
Lake Elmo Bank 0.15% $1,000 - Learn MoreShow Less
Sterling State Bank 0.15% $1,000 - Learn MoreShow Less
Merchants Bank, National Association 0.15% $500 - Learn MoreShow Less
First International Bank & Trust 0.15% $500 - Learn MoreShow Less
Tcf National Bank 0.15% $500 - Learn MoreShow Less
First Resource Bank 0.15% $500 - Learn MoreShow Less
First State Bank And Trust 0.15% $1,000 - Learn MoreShow Less
Community Resource Bank 0.15% $10,000 - Learn MoreShow Less
Bank Mutual 0.15% $10,000 - Learn MoreShow Less
Security State Bank Of Lewiston 0.15% $10,000 - Learn MoreShow Less
Deerwood Bank 0.12% $1,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.12% $10,000 - Learn MoreShow Less
Lake Area Bank 0.10% $2,500 - Learn MoreShow Less
Security State Bank Of Hibbing 0.10% $1,000 - Learn MoreShow Less
U.s. Bank National Association 0.10% $10,000 - Learn MoreShow Less
Home Federal Savings Bank 0.10% $10,000 - Learn MoreShow Less
Security State Bank Of Lewiston 0.10% $1,000 - Learn MoreShow Less
21st Century Bank 0.10% $1,000 - Learn MoreShow Less
First Advantage Bank 0.10% $5,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.10% $10,000 - Learn MoreShow Less
Citizens Bank & Trust Co. 0.10% $2,500 - Learn MoreShow Less
Associated Bank, National Association 0.10% $10,000 - Learn MoreShow Less
Frandsen Bank & Trust 0.07% $10,000 - Learn MoreShow Less
The State Bank Of Faribault 0.05% $1,000 - Learn MoreShow Less
Wells Fargo Bank, National Association 0.05% $10,000 - Learn MoreShow Less
Merchants Bank, National Association 0.05% $500 - Learn MoreShow Less
Guaranty Bank 0.05% $1,000 - Learn MoreShow Less

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

  • Stephen C

    August 06, 2015

    It would be nice if you would include an option for all terms e.g., up to 10 years. Also it would help if you could select all banks and credit unions. It has been my experience that some bank and CU's will change their policy of being regional to national.

  • David H. 7/10/15

    July 10, 2015

    Union Savings Bank doesn't have a one year cd for 1.15%

  • Alan Platt

    November 24, 2014

    So stupid that you cannot vote "yes". The only thing that registers is "no".

  • Darren

    September 16, 2014

    Union County Savings Bank in Cranford is offering a 1.3% Jumbo CD Rate for 1 year.

  • Alan Platt

    August 25, 2014

    Why did you stop listing information about DORAL BANK?

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Certificates of Deposit - Branch Banks

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. 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.

Advantages and Disadvantages

The advantages of a Certificate of Deposit from a branch bank are:

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Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.

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CDs provide a predictable, set rate of return.

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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 branch-based CDs are:

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The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.

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One year CDs from branch banks often pay less interest than from online banks.

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, you 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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