Highest 3-Month CD Rates in Minnesota
65 Minnesota-specific 3-Month CD products
The Minnesota market
Minnesota accounts
65
Institutions
62
Top Minnesota APY
4.16% APY
Nationally: 4.30% APY
FDIC national average
1.14%
As of Oct 2026
65 3-month CDs are open only to Minnesota residents, from 62 institutions. The highest advertised APY among them is 4.16%.
The highest nationally available rate is 4.30% APY, 14 basis points above the Minnesota leader.
45 of the 65 Minnesota 3-month CDs advertise more than the FDIC national average of 1.14% for 3-month CDs as of Oct 2026.
Minnesota-Specific 3-Month CD Rates
3-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 | 4.16%APY Observed: Oct 23, 2026 Branches: Yes | $250 | ||
| #2 | 4.00%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #3 | 4.00%APY Observed: Oct 21, 2026 Branches: Yes | $10,000 | ||
| #4 | Up to3.91%APY Needs at least $250,000 Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #5 | 3.90%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #6 | Up to3.85%APY Needs at least $99,999.01 Observed: Oct 27, 2026 Branches: Yes | $500 | ||
| #7 | 3.85%APY That 3.85% is a promotional rate. Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #8 | 3.76%APY Observed: Oct 27, 2026 Branches: Yes | $1,000 | ||
| #9 | 3.70%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #10 | Up to3.66%APY Needs at least $25,000 Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.65%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #12 | Up to3.64%APY On balances of $25,000 to $1,000,000,000 · 3.33% below Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #13 | 3.60%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #14 | Up to3.60%APY Needs a linked account at the bank and at least $250,000 · 0.30% to 0.50% without the linked account Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #15 | 3.55%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #16 | 3.55%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #17 | 3.50%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #18 | 3.40%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #19 | 3.40%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.39%APY Observed: Oct 23, 2026 Branches: Yes | N/A | ||
| #21 | Up to3.35%APY Needs at least $50,000 Observed: Oct 23, 2026 Branches: Yes | $250 | ||
| #22 | 3.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #23 | 3.15%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #24 | Up to3.05%APY Needs a linked account at the bank · 2.75% without the linked account Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #25 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #27 | 2.90%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #28 | 2.53%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #29 | 2.52%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #30 | 2.52%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #31 | 2.52%APY On balances of $10,000 to $10,000,000 · 1.00% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #32 | 2.40%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #33 | 2.27%APY Observed: Oct 28, 2026 Branches: Yes | $200 | ||
| #34 | 2.22%APY On balances of $10,000 to $100,000 · 2.12% below Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.02%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #36 | 2.01%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.00%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #38 | 1.97%APY Observed: Oct 23, 2026 Branches: Yes | N/A | ||
| #39 | Up to1.96%APY Needs at least $1,000,000 Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #40 | 1.91%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #41 | 1.76%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #42 | 1.61%APY Observed: Oct 28, 2026 Branches: Yes | $2,000 | ||
| #43 | 1.51%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #44 | 1.15%APY Observed: Oct 23, 2026 Branches: Yes | $2,500 | ||
| #45 | 1.15%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #46 | 1.10%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #47 | 1.00%APY Observed: Oct 23, 2026 Branches: Yes | $500 | ||
| #48 | 0.70%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #49 | 0.70%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #50 | 0.65%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 |
$250
Yes
$2,500
Yes
$10,000
Yes
Needs at least $250,000
N/A
Yes
$500
Yes
Needs at least $99,999.01
$500
Yes
That 3.85% is a promotional rate.
$500
Yes
$1,000
Yes
$500
Yes
Needs at least $25,000
$1,000
Yes
$500
Yes
On balances of $25,000 to $1,000,000,000 · 3.33% below
N/A
Yes
$1,000
Yes
Needs a linked account at the bank and at least $250,000 · 0.30% to 0.50% without the linked account
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
N/A
Yes
Needs at least $50,000
$250
Yes
$500
Yes
N/A
Yes
Needs a linked account at the bank · 2.75% without the linked account
$2,500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$1,000
Yes
On balances of $10,000 to $10,000,000 · 1.00% below
$1,000
Yes
$500
Yes
$200
Yes
On balances of $10,000 to $100,000 · 2.12% below
$1,000
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
Needs at least $1,000,000
N/A
Yes
$1,000
Yes
N/A
Yes
$2,000
Yes
$500
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$500
Yes
$1,000
Yes
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Nationally Available 3-Month CD Rates
The 8 highest 3-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | 3-Month CD3 months | 4.30% |
| Popular Direct | 3 Months3 months | 4.30% |
| Ivy Bank | 3-Month High-Yield Certificate of Deposit3 months | 4.25% |
| Bask Bank | 3-Month3 months | 4.10% |
| OMB Bank | 3 Month CD3 months | 4.05% |
| Bread Savings | 3-Month CD3 months | 3.95% |
| Customers Bank | 3-Month CD3 months | 3.85% |
| Colorado Federal Savings Bank | 3-Month CD3 months | 3.75% |
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.