Highest 1-Year CD Rates in Minnesota
68 Minnesota-specific 12-Month CD products
The Minnesota market
Minnesota accounts
68
Institutions
60
Top Minnesota APY
4.20% APY
Nationally: 4.75% APY
FDIC national average
1.73%
As of Sep 2026
68 12-month CDs are open only to Minnesota residents, from 60 institutions. The highest advertised APY among them is 4.20%.
The highest nationally available rate is 4.75% APY, 55 basis points above the Minnesota leader.
55 of the 68 Minnesota 12-month CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Minnesota-Specific 12-Month CD Rates
12-Month CD rates specifically available to Minnesota residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.20%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #2 | Up to4.15%APY Needs at least $250,000 Observed: Oct 7, 2026 | N/A | ||
| #3 | 4.15%APY Observed: Oct 13, 2026 | $25,000 | ||
| #4 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #5 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #6 | Up to4.06%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #9 | 4.00%APY Observed: Oct 7, 2026 | $500 | ||
| #10 | 4.00%APY Observed: Oct 13, 2026 | $500 | ||
| #11 | Up to4.00%APY Needs a linked account at the bank · 3.70% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #12 | 3.94%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #14 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | Up to3.85%APY Needs a linked account at the bank and at least $250,000 · 0.55% to 0.95% without the linked account Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #17 | Up to3.80%APY Needs at least $99,999.01 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #18 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | Citizens State Bank Norwood Young America 1 Year Certificate of Deposit (Over $500.00) Term: 12 months | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | |
| #20 | 3.80%APY On balances of $10,000 to $9,999,999.99 · 2.02% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.80%APY Observed: Oct 4, 2026 Branches: Yes | $500 | ||
| #22 | 3.74%APY Observed: Oct 10, 2026 Branches: Yes | $500 | ||
| #23 | Up to3.71%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | Up to3.70%APY Needs at least $45,000 Observed: Oct 14, 2026 | N/A | ||
| #25 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #26 | Up to3.65%APY Needs at least $35,000 Observed: Oct 3, 2026 Branches: Yes | $250 | ||
| #27 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #28 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | Up to3.55%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $250 | ||
| #30 | 3.53%APY Observed: Oct 7, 2026 | $1,000 | ||
| #31 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 3.49%APY Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #33 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $25,000 | ||
| #34 | 3.38%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #35 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | Up to3.29%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | 3.29%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #39 | 3.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 3.20%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 3.09%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $200 | ||
| #43 | 3.03%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #44 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | Citizens State Bank Norwood Young America 1 Year Certificate of Deposit (Under $500.00) Term: 12 months | 2.83%APY Observed: Oct 7, 2026 Branches: Yes | $100 | |
| #46 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 2.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #48 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #50 | 2.50%APY On balances of $10,000 to $100,000 · 2.40% below Observed: Oct 7, 2026 Branches: Yes | $1,000 |
$1,000
Yes
Needs at least $250,000
N/A
N/A
$25,000
N/A
$500
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
$500
Yes
N/A
Yes
$500
N/A
$500
N/A
Needs a linked account at the bank · 3.70% without the linked account
$2,500
Yes
Needs at least $10,000
$500
Yes
$500
Yes
$500
Yes
Needs a linked account at the bank and at least $250,000 · 0.55% to 0.95% without the linked account
$500
Yes
$500
Yes
Needs at least $99,999.01
$500
Yes
$500
Yes
1 Year Certificate of Deposit (Over $500.00)
Term: 12 months
$500
Yes
On balances of $10,000 to $9,999,999.99 · 2.02% below
$1,000
Yes
$500
Yes
$500
Yes
Needs at least $25,000
$500
Yes
Needs at least $45,000
N/A
N/A
Needs at least $100,000
$1,000
Yes
Needs at least $35,000
$250
Yes
$100,000
Yes
$500
Yes
Needs at least $50,000
$250
Yes
$1,000
N/A
$1,000
Yes
$2,500
Yes
$25,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$200
Yes
N/A
Yes
$1,000
Yes
1 Year Certificate of Deposit (Under $500.00)
Term: 12 months
$100
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
On balances of $10,000 to $100,000 · 2.40% below
$1,000
Yes
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Barclays | 12-Month CD12 months | 4.50% |
| Popular Direct | 12 Months12 months | 4.50% |
| Bread Savings | 1-Year CD12 months | 4.45% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.40% |
| Marcus by Goldman Sachs | 12-Month CD12 months | 4.40% |
| Sallie Mae Bank | 12-Month Certificates of deposit CDs12 months | 4.40% |
| Bask Bank | 12-Month12 months | 4.35% |