Highest 3-Year CD Rates in Minnesota
59 Minnesota-specific 36-Month CD products
The Minnesota market
Minnesota accounts
59
Institutions
54
Top Minnesota APY
4.60% APY
Nationally: 4.85% APY
FDIC national average
1.36%
As of Sep 2026
59 36-month CDs are open only to Minnesota residents, from 54 institutions. The highest advertised APY among them is 4.60%.
The highest nationally available rate is 4.85% APY, 25 basis points above the Minnesota leader.
49 of the 59 Minnesota 36-month CDs advertise more than the FDIC national average of 1.36% for 36-month CDs as of Sep 2026.
Minnesota-Specific 36-Month CD Rates
36-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 to4.60%APY Needs a linked account at the bank · 4.10% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.30%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #3 | 4.25%APY Observed: Oct 13, 2026 | $25,000 | ||
| #4 | Up to4.22%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #5 | 4.10%APY Observed: Oct 13, 2026 | $500 | ||
| #6 | Up to4.00%APY Needs at least $100,000 Observed: Oct 7, 2026 | N/A | ||
| #7 | Up to3.85%APY Needs at least $35,000 Observed: Oct 3, 2026 Branches: Yes | $250 | ||
| #8 | Up to3.81%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #9 | Up to3.80%APY Needs at least $99,999.01 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #10 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #11 | 3.80%APY Observed: Oct 7, 2026 | $500 | ||
| #12 | Up to3.75%APY Needs a linked account at the bank and at least $250,000 · 0.80% to 1.20% without the linked account Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #14 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $25,000 | ||
| #15 | Up to3.60%APY Needs at least $45,000 Observed: Oct 14, 2026 | N/A | ||
| #16 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.53%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 3.50%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #23 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 3.29%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #25 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.24%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #28 | 3.20%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | 3.19%APY Observed: Oct 7, 2026 Branches: Yes | $200 | ||
| #30 | 3.10%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.08%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | Up to3.02%APY Needs at least $25,000 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #33 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 3.00%APY Observed: Oct 10, 2026 Branches: Yes | $500 | ||
| #35 | Up to2.82%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #36 | 2.82%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #38 | 2.52%APY On balances of $10,000 to $9,999,999.99 · 2.02% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.45%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #40 | 2.40%APY On balances of $10,000 to $100,000 · 2.30% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | 2.40%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 2.37%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | 2.10%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | 2.06%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #46 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 1.90%APY Observed: Oct 7, 2026 | $1,000 | ||
| #48 | 1.75%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #49 | Up to1.66%APY Needs at least $25,000 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #50 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
Needs a linked account at the bank · 4.10% without the linked account
$2,500
Yes
$500
Yes
$25,000
N/A
Needs at least $100,000
$500
Yes
$500
N/A
Needs at least $100,000
N/A
N/A
Needs at least $35,000
$250
Yes
Needs at least $25,000
$500
Yes
Needs at least $99,999.01
$500
Yes
$100,000
Yes
$500
N/A
Needs a linked account at the bank and at least $250,000 · 0.80% to 1.20% without the linked account
$500
Yes
$500
Yes
$25,000
Yes
Needs at least $45,000
N/A
N/A
$1,000
Yes
$500
Yes
Needs at least $50,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $10,000
$500
Yes
$500
Yes
$500
Yes
N/A
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$200
Yes
$1,000
Yes
$500
Yes
Needs at least $25,000
$500
Yes
$1,000
Yes
$500
Yes
Needs at least $1,000,000
N/A
Yes
$1,000
Yes
N/A
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 · 2.30% below
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$2,000
Yes
$500
Yes
$1,000
N/A
N/A
Yes
Needs at least $25,000
$500
Yes
$1,000
Yes
Nationally Available 36-Month CD Rates
The 8 highest 36-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 36 Months36 months | 4.85% |
| Barclays | 36-Month CD36 months | 4.50% |
| Bread Savings | 3-Year CD36 months | 4.50% |
| Sallie Mae Bank | 36-Month Certificates of deposit CDs36 months | 4.45% |
| E*TRADE from Morgan Stanley | 36-Month Certificates of Deposit36 months | 4.40% |
| Marcus by Goldman Sachs | 3 Year CD36 months | 4.40% |
| Synchrony Bank | 36 Month CD36 months | 4.40% |
| KS StateBank | 3 Year CD36 months | 4.35% |