Highest 4-Year CD Rates in Minnesota
56 Minnesota-specific 48-Month CD products
The Minnesota market
Minnesota accounts
56
Institutions
50
Top Minnesota APY
4.70% APY
Nationally: 4.95% APY
FDIC national average
1.28%
As of Sep 2026
56 48-month CDs are open only to Minnesota residents, from 50 institutions. The highest advertised APY among them is 4.70%.
The highest nationally available rate is 4.95% APY, 25 basis points above the Minnesota leader.
47 of the 56 Minnesota 48-month CDs advertise more than the FDIC national average of 1.28% for 48-month CDs as of Sep 2026.
Minnesota-Specific 48-Month CD Rates
48-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 to4.70%APY Needs a linked account at the bank · 4.20% without the linked account Observed: Oct 17, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.35%APY Observed: Oct 17, 2026 Branches: Yes | $25,000 | ||
| #3 | 4.30%APY Observed: Oct 17, 2026 Branches: Yes | $500 | ||
| #4 | 4.20%APY Observed: Oct 17, 2026 Branches: Yes | $500 | ||
| #5 | Up to4.06%APY Needs at least $100,000 Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #6 | Up to3.96%APY Needs at least $35,000 Observed: Oct 14, 2026 Branches: Yes | $250 | ||
| #7 | 3.90%APY Observed: Oct 14, 2026 Branches: Yes | $100,000 | ||
| #8 | Up to3.90%APY Needs at least $25,000 Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #9 | 3.85%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #10 | 3.75%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #11 | 3.75%APY Observed: Oct 17, 2026 Branches: Yes | $500 | ||
| #12 | 3.75%APY Observed: Oct 14, 2026 Branches: Yes | $25,000 | ||
| #13 | Up to3.75%APY Needs at least $25,000 Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.65%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.65%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.65%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #17 | Up to3.60%APY Needs at least $45,000 Observed: Oct 17, 2026 Branches: Yes | N/A | ||
| #18 | Up to3.55%APY Needs at least $50,000 Observed: Oct 17, 2026 Branches: Yes | $1,000 | ||
| #19 | Up to3.55%APY Needs a linked account at the bank and at least $250,000 · 0.80% to 1.20% without the linked account Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #20 | 3.53%APY Needs at least $10,000 Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #21 | Up to3.50%APY Needs at least $250,000 Observed: Oct 14, 2026 Branches: Yes | N/A | ||
| #22 | 3.34%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #23 | Up to3.33%APY Needs at least $25,000 Observed: Oct 17, 2026 Branches: Yes | $500 | ||
| #24 | 3.30%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #25 | 3.25%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #26 | 3.25%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #27 | 3.24%APY Observed: Oct 14, 2026 Branches: Yes | $200 | ||
| #28 | 3.15%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.14%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #30 | 3.00%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #31 | Up to2.92%APY Needs at least $1,000,000 Observed: Oct 17, 2026 Branches: Yes | N/A | ||
| #32 | 2.92%APY Observed: Oct 17, 2026 Branches: Yes | $1,000 | ||
| #33 | 2.88%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #34 | 2.65%APY Observed: Oct 14, 2026 Branches: Yes | N/A | ||
| #35 | 2.55%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.52%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.50%APY Observed: Oct 14, 2026 Branches: Yes | N/A | ||
| #38 | 2.37%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #39 | 2.30%APY On balances of $10,000 to $100,000 · 2.20% below Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.25%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #41 | 2.17%APY Observed: Oct 14, 2026 Branches: Yes | $2,000 | ||
| #42 | 2.06%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #43 | 2.00%APY Observed: Oct 14, 2026 Branches: Yes | $500 | ||
| #44 | Up to1.91%APY Needs at least $25,000 Observed: Oct 17, 2026 Branches: Yes | $500 | ||
| #45 | 1.75%APY Observed: Oct 14, 2026 Branches: Yes | N/A | ||
| #46 | 1.75%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #47 | 1.50%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #48 | 1.25%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #49 | 1.00%APY Observed: Oct 14, 2026 Branches: Yes | $1,000 | ||
| #50 | 0.80%APY Observed: Oct 14, 2026 Branches: Yes | $500 |
Needs a linked account at the bank · 4.20% without the linked account
$2,500
Yes
$25,000
Yes
$500
Yes
$500
Yes
Needs at least $100,000
$500
Yes
Needs at least $35,000
$250
Yes
$100,000
Yes
Needs at least $25,000
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$25,000
Yes
Needs at least $25,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $45,000
N/A
Yes
Needs at least $50,000
$1,000
Yes
Needs a linked account at the bank and at least $250,000 · 0.80% to 1.20% without the linked account
$500
Yes
Needs at least $10,000
$500
Yes
Needs at least $250,000
N/A
Yes
$500
Yes
Needs at least $25,000
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$200
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
Needs at least $1,000,000
N/A
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
On balances of $10,000 to $100,000 · 2.20% below
$1,000
Yes
$500
Yes
$2,000
Yes
$1,000
Yes
$500
Yes
Needs at least $25,000
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
Nationally Available 48-Month CD Rates
The 8 highest 48-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 48 Months48 months | 4.95% |
| Bread Savings | 4-Year CD48 months | 4.65% |
| Barclays | 48-Month CD48 months | 4.50% |
| Marcus by Goldman Sachs | 4 Year CD48 months | 4.40% |
| Synchrony Bank | 48 Month CD48 months | 4.40% |
| KS StateBank | 4 Year CD48 months | 4.35% |
| Capital One | 48-Month CD48 months | 3.50% |
| EverBank | 48-Month CD48 months | 3.40% |