Best Special Rates and Terms in Owatonna, Minnesota, MN

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Below are special Certificate of Deposit special rates and terms from banks in Owatonna, Minnesota. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Owatonna, MN - November 3, 2026

What is the best special CD rate in Owatonna, MN?

As of November 3, 2026, the highest special CD rate from a bank in Owatonna, MN is 4.00% APY from Luminate Bank (minimum deposit $10,000). The best rate with a $1,000 minimum or less is 3.95% APY from Profinium, Inc. (minimum deposit $500). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Luminate Bank Claremont Branch	4.00%	$10,000	4 months	Learn More Reviews
Profinium, Inc. Profinium, Inc, Owatonna Branch	3.95%	$500	17 months	Learn More Reviews
Rate History: 1.00% → 3.55% → 3.95%
Profinium, Inc. Profinium, Inc, Owatonna Branch	3.85%	$500	7 months	Learn More Reviews
Rate History: 1.00% → 3.65% → 3.85%
Wells Fargo Bank, National Association Waseca Branch	3.74%	$2,500	7 months	Learn More Reviews (7)
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74%
Wells Fargo Bank, National Association Waseca Branch	3.64%	$2,500	15 months	Learn More Reviews (7)
Rate History: 3.74% → 3.64%
Wells Fargo Bank, National Association Waseca Branch	3.59%	$2,500	11 months	Learn More Reviews (7)
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59%
U.S. Bank National Association Owatonna Branch	3.25%	$1,000	7 months	Learn More Reviews (2)
Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
U.S. Bank National Association Owatonna Branch	3.00%	$1,000	13 months	Learn More Reviews (2)
Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00%
U.S. Bank National Association Owatonna Branch	2.50%	$1,000	25 months	Learn More Reviews (2)
Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50%

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 Owatonna, MN - November 3, 2026

Branch	Street	City	State
Luminate Bank Claremont Branch	208 Front Street	Claremont	MN
Profinium, Inc. Profinium, Inc, Owatonna Branch	1080 West Frontage Road	Owatonna	MN
Profinium, Inc. Profinium, Inc, Owatonna Branch	1080 West Frontage Road	Owatonna	MN
Wells Fargo Bank, National Association Waseca Branch	220 Elm Avenue East	Waseca	MN
Wells Fargo Bank, National Association Waseca Branch	220 Elm Avenue East	Waseca	MN
Wells Fargo Bank, National Association Waseca Branch	220 Elm Avenue East	Waseca	MN
U.S. Bank National Association Owatonna Branch	132 West Broadway	Owatonna	MN
U.S. Bank National Association Owatonna Branch	132 West Broadway	Owatonna	MN
U.S. Bank National Association Owatonna Branch	132 West Broadway	Owatonna	MN