Highest Bump-Up CD Rates in Minnesota
21 Minnesota-specific products
The Minnesota market
Minnesota accounts
21
Institutions
10
Top Minnesota APY
4.06% APY
Nationally: 4.35% APY
FDIC national average
1.73%
As of Sep 2026
21 bump-up CDs are open only to Minnesota residents, from 10 institutions. The highest advertised APY among them is 4.06%.
The highest nationally available rate is 4.35% APY, 29 basis points above the Minnesota leader.
20 of the 21 Minnesota bump-up CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Minnesota-Specific Bump-Up CDs Rates
Bump-Up CDs rates specifically available to Minnesota residents.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | Up to4.06%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #2 | Up to3.75%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #3 | Up to3.71%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #4 | 3.65%APY On balances up to $9,999,999.99 · no rate stated above Observed: Oct 9, 2026 Branches: Yes | $5,000 | ||
| #5 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #6 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #7 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #8 | 3.53%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #9 | 3.51%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #10 | 3.50%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #11 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #12 | 3.08%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #13 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #14 | Up to2.90%APY Needs a linked account at the bank · 2.65% without the linked account Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #15 | 2.82%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #16 | 2.70%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #17 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #18 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #19 | 2.55%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #20 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #21 | Up to1.00%APY Needs a linked account at the bank · 0.75% without the linked account Observed: Oct 13, 2026 Branches: Yes | $10,000 |
Needs at least $100,000
$500
Yes
Needs at least $25,000
$1,000
Yes
Needs at least $25,000
$500
Yes
On balances up to $9,999,999.99 · no rate stated above
$5,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$5,000
Yes
$5,000
Yes
$5,000
Yes
$2,500
Yes
$2,500
Yes
$2,500
Yes
Needs a linked account at the bank · 2.65% without the linked account
$10,000
Yes
$1,000
Yes
N/A
Yes
N/A
Yes
N/A
Yes
N/A
Yes
$2,500
Yes
Needs a linked account at the bank · 0.75% without the linked account
$10,000
Yes
Nationally Available Bump-Up CDs Rates
The 8 highest bump-up cds rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Rising Bank | Rising CD 18-Month18 months | 4.35% |
| Marcus by Goldman Sachs | 20-Month Rate Bump CD20 months | 4.35% |
| Farm Bureau Bank FSB | 1 Year CD with Step-Up Option12 monthsneeds at least $50,000 | Up to3.75% |
| Farm Bureau Bank FSB | 2 Year CD with Step-Up Option24 monthsneeds at least $50,000 | Up to3.70% |
| Farm Bureau Bank FSB | 18 Month CD with Step-Up Option18 monthsneeds at least $50,000 | Up to3.20% |
| Rising Bank | Rising CD 26-Month26 months | 3.15% |
| Farm Bureau Bank FSB | 3 Year CD with Step-Up Option36 monthsneeds at least $50,000 | Up to3.10% |
| Farm Bureau Bank FSB | 4 Year CD with Step-Up Option48 monthsneeds at least $50,000 | Up to3.10% |