Highest 2-Year CD Rates in Minnesota
65 Minnesota-specific 24-Month CD products
The Minnesota market
Minnesota accounts
65
Institutions
56
Top Minnesota APY
4.50% APY
Nationally: 4.75% APY
FDIC national average
1.61%
As of Sep 2026
65 24-month CDs are open only to Minnesota residents, from 56 institutions. The highest advertised APY among them is 4.50%.
The highest nationally available rate is 4.75% APY, 25 basis points above the Minnesota leader.
54 of the 65 Minnesota 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.
Minnesota-Specific 24-Month CD Rates
24-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 | Up to4.50%APY Needs a linked account at the bank · 4.20% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.40%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.35%APY Observed: Oct 13, 2026 | $25,000 | ||
| #4 | 4.32%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #5 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #6 | 4.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 4.20%APY Observed: Oct 13, 2026 | $500 | ||
| #8 | Up to4.00%APY Needs at least $100,000 Observed: Oct 7, 2026 | N/A | ||
| #9 | 4.00%APY Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #10 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | Up to3.96%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | Up to3.95%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 | ||
| #13 | 3.91%APY Observed: Oct 13, 2026 Branches: Yes | $25,000 | ||
| #14 | Up to3.82%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | Up to3.80%APY Needs at least $99,999.01 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #16 | 3.80%APY Observed: Oct 7, 2026 | $500 | ||
| #17 | Up to3.75%APY Needs at least $35,000 Observed: Oct 3, 2026 Branches: Yes | $250 | ||
| #18 | Up to3.71%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #21 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | Up to3.60%APY Needs at least $45,000 Observed: Oct 14, 2026 | N/A | ||
| #23 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $25,000 | ||
| #25 | 3.53%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.50%APY Observed: Oct 10, 2026 Branches: Yes | $500 | ||
| #28 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.44%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 3.25%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #33 | 3.14%APY Observed: Oct 7, 2026 Branches: Yes | $200 | ||
| #34 | 3.10%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #36 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | Up to3.03%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #38 | 3.03%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #39 | Up to3.02%APY Needs at least $25,000 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #40 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #41 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | 2.78%APY On balances of $10,000 to $9,999,999.99 · 2.02% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.55%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #45 | 2.50%APY On balances of $10,000 to $100,000 · 2.40% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 2.40%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #48 | 2.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 2.31%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.26%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
Needs a linked account at the bank · 4.20% without the linked account
$2,500
Yes
$1,000
Yes
$25,000
N/A
$5,000
Yes
$500
Yes
$1,000
Yes
$500
N/A
Needs at least $100,000
N/A
N/A
$2,500
Yes
$1,000
Yes
Needs at least $100,000
$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
$25,000
Yes
Needs at least $25,000
$500
Yes
Needs at least $99,999.01
$500
Yes
$500
N/A
Needs at least $35,000
$250
Yes
Needs at least $25,000
$500
Yes
$1,000
Yes
$100,000
Yes
$500
Yes
Needs at least $45,000
N/A
N/A
$500
Yes
$25,000
Yes
Needs at least $10,000
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$200
Yes
$500
Yes
$500
Yes
$500
Yes
Needs at least $50,000
$1,000
Yes
N/A
Yes
Needs at least $25,000
$500
Yes
N/A
Yes
$1,000
Yes
$500
Yes
On balances of $10,000 to $9,999,999.99 · 2.02% below
$1,000
Yes
N/A
Yes
On balances of $10,000 to $100,000 · 2.40% below
$1,000
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 24-Month CD Rates
The 8 highest 24-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Barclays | 24-Month CD24 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |
| Happen Bank | 2-Year CD24 months | 4.60% |
| Bread Savings | 2-Year CD24 months | 4.45% |
| E*TRADE from Morgan Stanley | 24-Month Certificates of Deposit24 months | 4.40% |
| Marcus by Goldman Sachs | 2 Year CD24 months | 4.40% |
| Sallie Mae Bank | 24-Month Certificates of deposit CDs24 months | 4.40% |
| Vio Bank | 24-Month Online Certificate of Deposit CD24 months | 4.40% |