Highest 6-Month CD Rates in Minnesota
67 Minnesota-specific 6-Month CD products
The Minnesota market
Minnesota accounts
67
Institutions
61
Top Minnesota APY
4.25% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
67 6-month CDs are open only to Minnesota residents, from 61 institutions. The highest advertised APY among them is 4.25%.
The highest nationally available rate is 4.35% APY, 10 basis points above the Minnesota leader.
52 of the 67 Minnesota 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Minnesota-Specific 6-Month CD Rates
6-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 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #2 | Up to4.14%APY Needs at least $250,000 Observed: Oct 7, 2026 | N/A | ||
| #3 | Up to4.10%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $250 | ||
| #4 | 4.06%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #5 | 4.05%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.04%APY Observed: Oct 10, 2026 Branches: Yes | $2,500 | ||
| #7 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #8 | 3.94%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #9 | 3.79%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #10 | Up to3.79%APY Needs a linked account at the bank and at least $250,000 · 0.50% to 0.70% without the linked account Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #11 | 3.79%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.78%APY Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #13 | 3.70%APY On balances of $10,000 to $9,999,999.99 · 1.00% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | Up to3.67%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.63%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #17 | 3.60%APY Observed: Oct 7, 2026 | $500 | ||
| #18 | 3.58%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #20 | 3.55%APY Observed: Oct 13, 2026 | $500 | ||
| #21 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | Up to3.50%APY Needs a linked account at the bank · 3.20% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #23 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $25,000 | ||
| #25 | 3.38%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | Up to3.33%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.29%APY Observed: Oct 4, 2026 Branches: Yes | $500 | ||
| #31 | 3.28%APY Observed: Oct 7, 2026 | $1,000 | ||
| #32 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #33 | 3.24%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.07%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | Up to3.02%APY Needs at least $500,000 Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #36 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #37 | 2.87%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.85%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 2.77%APY Observed: Oct 7, 2026 Branches: Yes | $200 | ||
| #41 | 2.63%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #42 | 2.57%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #43 | 2.31%APY On balances of $10,000 to $100,000 · 2.21% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.26%APY Observed: Oct 14, 2026 | N/A | ||
| #45 | 2.06%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | Up to1.96%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #48 | Up to1.96%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 1.66%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #50 | 1.60%APY Observed: Oct 7, 2026 | $1,000 |
$500
Yes
Needs at least $250,000
N/A
N/A
Needs at least $50,000
$250
Yes
$5,000
Yes
$1,000
Yes
$2,500
Yes
N/A
Yes
$500
Yes
$500
Yes
Needs a linked account at the bank and at least $250,000 · 0.50% to 0.70% without the linked account
$500
Yes
$500
Yes
$2,500
Yes
On balances of $10,000 to $9,999,999.99 · 1.00% below
$1,000
Yes
Needs at least $25,000
$1,000
Yes
$500
Yes
N/A
Yes
$500
N/A
$500
Yes
$100,000
Yes
$500
N/A
$500
Yes
Needs a linked account at the bank · 3.20% without the linked account
$2,500
Yes
$1,000
Yes
$25,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
N/A
$500
Yes
$500
Yes
$1,000
Yes
Needs at least $500,000
$10,000
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$200
Yes
N/A
Yes
N/A
Yes
On balances of $10,000 to $100,000 · 2.21% below
$1,000
Yes
N/A
N/A
$1,000
Yes
$500
Yes
Needs at least $1,000,000
N/A
Yes
Needs at least $100,000
$500
Yes
$2,000
Yes
$1,000
N/A
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |