Highest 5-Year CD Rates in Minnesota
73 Minnesota-specific 60-Month CD products
The Minnesota market
Minnesota accounts
73
Institutions
67
Top Minnesota APY
4.75% APY
Nationally: 5.00% APY
FDIC national average
1.41%
As of Oct 2026
73 60-month CDs are open only to Minnesota residents, from 67 institutions. The highest advertised APY among them is 4.75%.
The highest nationally available rate is 5.00% APY, 25 basis points above the Minnesota leader.
63 of the 73 Minnesota 60-month CDs advertise more than the FDIC national average of 1.41% for 60-month CDs as of Oct 2026.
Minnesota-Specific 60-Month CD Rates
60-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 to4.75%APY Needs a linked account at the bank · 4.25% without the linked account Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.40%APY Observed: Oct 28, 2026 Branches: Yes | $25,000 | ||
| #3 | 4.30%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #4 | 4.25%APY Observed: Oct 23, 2026 Branches: Yes | $2,500 | ||
| #5 | 4.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #6 | 4.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #7 | 4.25%APY Observed: Oct 27, 2026 Branches: Yes | $1,000 | ||
| #8 | Up to4.16%APY Needs at least $100,000 Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #9 | Up to4.10%APY Needs at least $50,000 Observed: Oct 23, 2026 Branches: Yes | $250 | ||
| #10 | 4.06%APY Observed: Oct 23, 2026 Branches: Yes | N/A | ||
| #11 | Up to4.06%APY Needs at least $25,000 Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #12 | 4.00%APY Observed: Oct 28, 2026 Branches: Yes | $100,000 | ||
| #13 | Up to3.96%APY Needs at least $35,000 Observed: Oct 28, 2026 Branches: Yes | $250 | ||
| #14 | 3.91%APY Observed: Oct 23, 2026 Branches: Yes | N/A | ||
| #15 | 3.85%APY Observed: Oct 28, 2026 Branches: Yes | $25,000 | ||
| #16 | Up to3.85%APY On balances of $25,000 to $1,000,000,000 · 3.50% below Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #17 | Up to3.80%APY Needs at least $99,999.01 Observed: Oct 27, 2026 Branches: Yes | $500 | ||
| #18 | 3.80%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #20 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #21 | 3.75%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #23 | 3.65%APY Observed: Oct 23, 2026 Branches: Yes | $500 | ||
| #24 | Up to3.60%APY Needs at least $45,000 Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #25 | 3.60%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #26 | Up to3.55%APY Needs at least $50,000 Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #27 | 3.55%APY Observed: Oct 28, 2026 Branches: Yes | $200 | ||
| #28 | Up to3.50%APY Needs at least $250,000 Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #29 | 3.44%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #30 | 3.44%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #31 | 3.40%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #32 | Up to3.33%APY Needs at least $25,000 Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #33 | 3.29%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #34 | 3.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #35 | 3.25%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #36 | 3.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #37 | 3.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #38 | 3.03%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #39 | Up to3.02%APY Needs at least $1,000,000 Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #40 | 3.02%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #41 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $2,000 | ||
| #43 | Up to3.00%APY Needs a linked account at the bank and at least $100,000 · 1.00% to 1.25% without the linked account Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #44 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #45 | Up to2.95%APY Needs at least $75,000 Observed: Oct 17, 2026 Branches: Yes | $2,000 | ||
| #46 | Up to2.83%APY Needs at least $100,000 Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #47 | 2.78%APY Observed: Oct 23, 2026 Branches: Yes | $250 | ||
| #48 | 2.70%APY Observed: Oct 14, 2026 Branches: Yes | N/A | ||
| #49 | 2.65%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.55%APY Observed: Oct 28, 2026 Branches: Yes | N/A |
Needs a linked account at the bank · 4.25% without the linked account
$2,500
Yes
$25,000
Yes
$500
Yes
$2,500
Yes
$500
Yes
$500
Yes
$1,000
Yes
Needs at least $100,000
$500
Yes
Needs at least $50,000
$250
Yes
N/A
Yes
Needs at least $25,000
$1,000
Yes
$100,000
Yes
Needs at least $35,000
$250
Yes
N/A
Yes
$25,000
Yes
On balances of $25,000 to $1,000,000,000 · 3.50% below
N/A
Yes
Needs at least $99,999.01
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
Needs at least $45,000
N/A
Yes
$500
Yes
Needs at least $50,000
$1,000
Yes
$200
Yes
Needs at least $250,000
N/A
Yes
$500
Yes
N/A
Yes
$500
Yes
Needs at least $25,000
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
N/A
Yes
Needs at least $1,000,000
N/A
Yes
$1,000
Yes
$1,000
Yes
$2,000
Yes
Needs a linked account at the bank and at least $100,000 · 1.00% to 1.25% without the linked account
$500
Yes
$500
Yes
Needs at least $75,000
$2,000
Yes
Needs at least $100,000
$1,000
Yes
$250
Yes
N/A
Yes
$1,000
Yes
N/A
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 60-Month CD Rates
The 8 highest 60-Month CD rates available nationwide, including in Minnesota.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Sallie Mae Bank | 60-Month Certificates of deposit CDs60 months | 5.00% |
| E*TRADE from Morgan Stanley | 60-Month Certificates of Deposit60 months | 4.80% |
| Barclays | 60-Month CD60 months | 4.75% |
| KS StateBank | 5 Year CD60 months | 4.75% |
| Synchrony Bank | 60 Month CD60 months | 4.75% |
| Bread Savings | 5-Year CD60 months | 4.70% |
| Ally Bank | 5 Yr CD60 months | 4.50% |
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.