Best 3-Year CD Rates in Minnesota, MN

You are viewing rates from banks across Minnesota

Below are three-year CD Rates from banks in Minnesota. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

MN - December 11, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Bank of Whittier, National Association	3.98%	$1,000	-	Learn More Add Review
VisionBank	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.30% → 3.75%
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
AMERIPRISE BANK, FSB	3.50% 3.40%	$100,000 $0	-	Learn More Add Review
Rate History: 3.90% → 3.80% → 3.75% → 3.60% → 3.50%
Gateway First Bank	3.10%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Citizens	3.10%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Bell Bank	3.05% 3.00%	$99,999 $500	-	Learn More Add Review
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Profinium, Inc.	2.52%	$500	-	Learn More Add Review
BankVista	2.51%	$1,000	-	Learn More Add Review
Rate History: 1.25% → 1.26% → 2.51%
Banesco USA	2.50%	$1,000	-	Learn More
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Bremer Bank, National Association	2.35% 2.25%	$25,000 $10,000	-	Learn More Add Review
Rate History: 2.60% → 2.35%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Center National Bank	1.50%	$500	-	Learn More Add Review
Rate History: 2.25% → 1.50%
Lowry State Bank	1.46%	$10,000	-	Learn More Add Review
Hometown Community Bank	1.45%	$10,000	-	Learn More Add Review
First State Bank of Kiester	1.41%	$2,500	-	Learn More Add Review
Grand Timber Bank	1.41%	$100,000	-	Learn More Add Review
Wadena State Bank	1.40%	$10,000	-	Learn More
Jane T \| Dec 4, 2020 Very easy to do business with, low mortgage interest rates without all the fees that other Banks charge. No games or hidden costs, just good service. Read More Reviews (1)
Concorde Bank	1.36%	$500	-	Learn More Add Review
Glenwood State Bank (Incorporated)	1.36%	$100,000	-	Learn More Add Review
Security State Bank of Aitkin	1.26%	$10,000	-	Learn More Add Review
Northview Bank	1.26%	$100,000	-	Learn More Add Review
PrinsBank	1.26%	$10,000	-	Learn More
lloyde mille3r \| Mar 29, 2017 my ira Read More Reviews (1)
Citizens Bank & Trust Co.	1.26%	$10,000	-	Learn More Add Review
State Bank of Easton	1.25%	$1,000	-	Learn More Add Review
Unity Bank	1.25%	$100,000	-	Learn More Add Review
Vantage Bank	1.25%	$10,000	-	Learn More Add Review
Northview Bank	1.21%	$10,000	-	Learn More Add Review
Grand Timber Bank	1.21%	$10,000	-	Learn More Add Review
Red Rock Bank	1.20%	$10,000	-	Learn More Add Review
VIKING BANK, NATIONAL ASSOCIATION	1.20%	$10,000	-	Learn More Add Review
Bonanza Valley State Bank	1.20%	$500	-	Learn More Add Review
First Bank Elk River	1.16%	$10,000	-	Learn More Add Review
Glenwood State Bank (Incorporated)	1.16%	$10,000	-	Learn More Add Review
First Community Bank	1.15%	$25,000	-	Learn More Add Review
First State Bank of Swanville	1.15%	$10,000	-	Learn More Add Review
Security Bank USA	1.15%	$100,000	-	Learn More Add Review
The First National Bank of Osakis	1.15%	$100,000	-	Learn More Add Review
Park State Bank	1.15%	$10,000	-	Learn More Add Review
State Bank of Ceylon	1.15%	$100,000	-	Learn More Add Review
Farmers & Merchants State Bank of New York Mills, Incorporated	1.15%	$1,000	-	Learn More Add Review
Drake Bank	1.15%	$10,000	-	Learn More Add Review
Unity Bank	1.14%	$500	-	Learn More Add Review
Falcon National Bank	1.11%	$100,000	-	Learn More Add Review
Farmers and Merchants State Bank of Pierz	1.10%	$2,500	-	Learn More Add Review
Neighborhood National Bank	1.10%	$1,000	-	Learn More Add Review
Cornerstone State Bank	1.10%	$75,000	-	Learn More Add Review
The First National Bank of Osakis	1.10%	$10,000	-	Learn More Add Review
Heritage Bank National Association	1.10%	$2,000	-	Learn More
Rate History: 0.24% → 1.10%
WPT \| Nov 2, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. Read More Reviews (14)
First State Bank of Grove City	1.10%	$10,000	-	Learn More Add Review
The Wanda State Bank	1.10%	$10,000	-	Learn More Add Review
Mid-Central Federal Savings Bank	1.10%	$10,000	-	Learn More Add Review
State Bank of Lake Park	1.05%	$500	-	Learn More Add Review
American National Bank of Minnesota	1.05%	$10,000	-	Learn More Add Review
The First National Bank of Milaca	1.05%	$10,000	-	Learn More Add Review
Sherburne State Bank	1.05%	$100,000	-	Learn More Add Review
The First National Bank of Bemidji	1.05%	$100,000	-	Learn More Add Review
Alliance Bank	1.05%	$100,000	-	Learn More Add Review
North American Banking Company	1.05%	$100,000	-	Learn More Add Review
Riverland Bank	1.05%	$10,000	-	Learn More Add Review
Granite Community Bank	1.05%	$10,000	-	Learn More Add Review
Currie State Bank	1.00%	$10,000	-	Learn More Add Review
Randall State Bank	1.00%	$1	-	Learn More Add Review
First Citizens Bank	1.00%	$100,000	-	Learn More Add Review
Farmers & Merchants Savings Bank	1.00%	$100,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Community Development Bank, FSB	1.00%	$10,000	-	Learn More Add Review
Midwest Bank	1.00%	$100,000	-	Learn More Add Review
The First National Bank of Bagley	1.00%	$25,000	-	Learn More Add Review
Security Bank USA	1.00%	$10,000	-	Learn More Add Review
The Citizens National Bank of Park Rapids	1.00%	$10,000	-	Learn More Add Review
KodaBank	1.00%	$100,000	-	Learn More Add Review
Bank Forward	1.00%	$10,000	-	Learn More Add Review
Pioneer Bank	1.00%	$500	-	Learn More Add Review
Alliance Bank	1.00%	$10,000	-	Learn More Add Review
First National Bank North	1.00%	$500	-	Learn More Add Review
Coulee Bank	1.00%	$10,000	-	Learn More Add Review
Platinum Bank	1.00%	$100,000	-	Learn More Add Review
Harvest Bank	1.00%	$100,000	-	Learn More Add Review
United Minnesota Bank	1.00%	$10,000	-	Learn More Add Review
Grand Marais State Bank	1.00%	$10,000	-	Learn More
CRH \| Feb 13, 2023 I’ve not been getting my bank card as 3 have been on order now for over 6mths so they keep ordering me new ones after 2mths each time…I live in Canada & No one in Canada is getting there bank cards at ... Read More Reviews (1)
Granite Falls Bank	1.00%	$10,000	-	Learn More Add Review
United Farmers State Bank	1.00%	$10,000	-	Learn More Add Review
Adrian State Bank	1.00%	$1,000	-	Learn More Add Review
Farmers and Merchants State Bank of Appleton	1.00%	$10,000	-	Learn More Add Review
First National Bank	1.00%	$10,000	-	Learn More Add Review
The First National Bank at St. James	1.00%	$10,000	-	Learn More Add Review
Star Bank	1.00%	$10,000	-	Learn More Add Review
BANKWEST	1.00%	$2,000	-	Learn More Add Review
First State Bank of Sauk Centre	0.95%	$25,000	-	Learn More Add Review
Pine River State Bank	0.95%	$10,000	-	Learn More Add Review
Pine Country Bank	0.95%	$10,000	-	Learn More Add Review
Sherburne State Bank	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Bemidji	0.95%	$10,000	-	Learn More Add Review
Citizens Alliance Bank	0.95%	$10,000	-	Learn More
Worst banking experience ever \| Jan 28, 2024 This is by far the worst banking experience I have ever had. They fail to understand the simple concept that you are the customer and that they are providing a service for you. They consistently slapped qu... Read More Reviews (1)
Foresight Bank	0.95%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.95%	$100,000	-	Learn More Add Review
American State Bank of Grygla	0.90%	$500	-	Learn More Add Review
First Community Bank	0.90%	$5,000	-	Learn More Add Review
United Community Bank	0.90%	$10,000	-	Learn More Add Review
United Valley Bank	0.90%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank of Springfield	0.90%	$10,000	-	Learn More Add Review
HomeTown Bank	0.90%	$10,000	-	Learn More Add Review
Gateway Bank	0.90%	$10,000	-	Learn More Add Review
Manufacturers Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
Produce State Bank	0.90%	$10,000	-	Learn More Add Review
Security State Bank of Kenyon	0.90%	$10,000	-	Learn More Add Review
Harvest Bank	0.90%	$10,000	-	Learn More Add Review
State Bank of Ceylon	0.90%	$10,000	-	Learn More Add Review
Dakota Heritage Bank	0.90%	$500	-	Learn More Add Review
State Bank of Cold Spring	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Cokato	0.85%	$1,000	-	Learn More Add Review
Woodland Bank	0.85%	$500	-	Learn More Add Review
First State Bank of Sauk Centre	0.85%	$10,000	-	Learn More Add Review
First Security Bank	0.85%	$500	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
The First National Bank of Le Center	0.85%	$2,500	-	Learn More Add Review
Village Bank	0.85%	$10,000	-	Learn More Add Review
Falcon National Bank	0.85%	$10,000	-	Learn More Add Review
Midwest Bank	0.85%	$10,000	-	Learn More Add Review
The First National Bank of Bagley	0.85%	$10,000	-	Learn More Add Review
Ultima Bank Minnesota	0.85%	$10,000	-	Learn More Add Review
Community Bank Mankato	0.85%	$10,000	-	Learn More Add Review
Security State Bank	0.85%	$10,000	-	Learn More Add Review
North American Banking Company	0.85%	$10,000	-	Learn More Add Review
Think Mutual Bank	0.85%	$100,000	-	Learn More Add Review
American Equity Bank	0.85%	$10,000	-	Learn More Add Review
Foresight Bank	0.85%	$10,000	-	Learn More Add Review
Peoples State Bank of Wells	0.85%	$10,000	-	Learn More Add Review
Security State Bank of Wanamingo	0.85%	$10,000	-	Learn More Add Review
Bank of Maple Plain	0.85%	$1,000	-	Learn More Add Review
First State Bank Southwest	0.85%	$100,000	-	Learn More Add Review
Vergas State Bank	0.85%	$10,000	-	Learn More Add Review
Sentry Bank	0.85%	$10,000	-	Learn More Add Review
Odin State Bank	0.85%	$10,000	-	Learn More Add Review
The Bank of Elk River	0.80%	$200	-	Learn More Add Review
Liberty Bank Minnesota	0.80%	$500	-	Learn More Add Review
Lake Country Community Bank	0.80%	$1,000	-	Learn More Add Review
State Bank of New Richland	0.80%	$50,000	-	Learn More Add Review
First Citizens Bank	0.80%	$10,000	-	Learn More Add Review
Cornerstone State Bank	0.80%	$500	-	Learn More Add Review
CorTrust Bank National Association	0.80%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank	0.80%	$10,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Red River State Bank	0.80%	$1,000	-	Learn More Add Review
Gate City Bank	0.80%	$10,000	-	Learn More Add Review
Deerwood Bank	0.80%	$10,000	-	Learn More Add Review
KodaBank	0.80%	$10,000	-	Learn More Add Review
Choice Financial Group	0.80%	$100,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
First Financial Bank in Winnebago	0.80%	$10,000	-	Learn More Add Review
Root River State Bank	0.80%	$10,000	-	Learn More Add Review
First State Bank of Fountain	0.80%	$10,000	-	Learn More Add Review
Farmers State Bank of Hamel	0.80%	$100,000	-	Learn More Add Review
ESB Bank	0.80%	$10,000	-	Learn More Add Review
First State Bank of Le Center	0.80%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia	0.80%	$100,000	-	Learn More Add Review
First State Bank of Wyoming	0.75%	$2,000	-	Learn More Add Review
Tradition Capital Bank	0.75%	$100	-	Learn More Add Review
The Northern State Bank of Gonvick	0.75%	$100,000	-	Learn More Add Review
Dacotah Bank	0.75%	$10,000	-	Learn More Add Review
St. Clair State Bank (Incorporated)	0.75%	$10,000	-	Learn More Add Review
Think Mutual Bank	0.75%	$10,000	-	Learn More Add Review
Heritage Bank Minnesota	0.75%	$10,000	-	Learn More Add Review
ONB Bank	0.75%	$2,500	-	Learn More Add Review
Farmers State Bank of Hartland	0.75%	$10,000	-	Learn More Add Review
Bridgewater Bank	0.75%	$10,000	-	Learn More Add Review
First Western Bank & Trust	0.75%	$10,000	-	Learn More Add Review
Platinum Bank	0.75%	$10,000	-	Learn More Add Review
Lake Region Bank	0.75%	$10,000	-	Learn More Add Review
Marshall County State Bank	0.75%	$100,000	-	Learn More Add Review
Citizens State Bank of Roseau	0.75%	$10,000	-	Learn More Add Review
State Bank of Chandler	0.75%	$100	-	Learn More Add Review
Northern State Bank of Thief River Falls	0.75%	$100,000	-	Learn More Add Review
Integrity Bank Plus	0.75%	$10,000	-	Learn More Add Review
Franklin State Bank	0.75%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia	0.75%	$10,000	-	Learn More Add Review
American Heritage National Bank	0.75%	$10,000	-	Learn More Add Review
Community Bank Owatonna	0.75%	$10,000	-	Learn More Add Review
WNB FINANCIAL, N.A.	0.75%	$10,000	-	Learn More Add Review
Arlington State Bank	0.70%	$2,500	-	Learn More Add Review
MidCountry Bank	0.70%	$100,000	-	Learn More Add Review
Choice Financial Group	0.70%	$10,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
West Bank	0.70%	$100,000	-	Learn More Add Review
F & M Community Bank, National Association	0.70%	$100,000	-	Learn More Add Review
First Bank Blue Earth	0.70%	$10,000	-	Learn More Add Review
Security Bank Minnesota	0.70%	$100,000	-	Learn More Add Review
Farmers State Bank of Hamel	0.70%	$10,000	-	Learn More Add Review
State Bank of Taunton	0.70%	$10,000	-	Learn More Add Review
State Bank of Fairmont	0.70%	$10,000	-	Learn More Add Review
Farmers State Bank of Trimont	0.70%	$10,000	-	Learn More Add Review
First State Bank Southwest	0.70%	$10,000	-	Learn More Add Review
Minnesota National Bank	0.70%	$100,000	-	Learn More Add Review
Reliance Bank	0.70%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.70%	$100,000	-	Learn More Add Review
Janesville State Bank	0.70%	$25,000	-	Learn More Add Review
Americana Community Bank	0.67%	$500	-	Learn More Add Review
Security Bank & Trust Company	0.67%	$50,000	-	Learn More Add Review
Security Bank & Trust Company	0.65%	$10,000	-	Learn More Add Review
First Farmers & Merchants National Bank	0.65%	$1,000	-	Learn More Add Review
First International Bank & Trust	0.65%	$10,000	-	Learn More Add Review
MidCountry Bank	0.65%	$10,000	-	Learn More Add Review
First National Bank	0.65%	$10,000	-	Learn More Add Review
Sunrise Banks, National Association	0.65%	$10,000	-	Learn More Add Review
First State Bank Minnesota	0.65%	$10,000	-	Learn More Add Review
Security Bank Minnesota	0.65%	$10,000	-	Learn More Add Review
Community Resource Bank	0.65%	$100,000	-	Learn More Add Review
Welcome State Bank	0.65%	$10,000	-	Learn More Add Review
Janesville State Bank	0.65%	$500	-	Learn More Add Review
Minnesota National Bank	0.64%	$10,000	-	Learn More Add Review
ProGrowth Bank	0.61%	$100,000	-	Learn More Add Review
First Minnetonka City Bank	0.60%	$1,000	-	Learn More Add Review
Citizens State Bank of Waverly, Inc.	0.60%	$1,000	-	Learn More Add Review
State Bank of New Richland	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Moose Lake	0.60%	$500	-	Learn More Add Review
Woodlands National Bank	0.60%	$100,000	-	Learn More Add Review
Northeast Bank	0.60%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.60%	$100,000	-	Learn More Add Review
Bank Midwest	0.60%	$10,000	-	Learn More Add Review
Manufacturers Bank & Trust Company	0.60%	$10,000	-	Learn More Add Review
F & M Community Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Community Resource Bank	0.60%	$10,000	-	Learn More Add Review
Union Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Grand Rapids State Bank	0.60%	$10,000	-	Learn More Add Review
Americana Community Bank	0.57%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.55%	$100,000	-	Learn More Add Review
American Federal Bank	0.55%	$100,000	-	Learn More Add Review
The Northern State Bank of Gonvick	0.55%	$10,000	-	Learn More Add Review
First National Bank Minnesota	0.55%	$10,000	-	Learn More Add Review
Castle Rock Bank	0.55%	$10,000	-	Learn More Add Review
Kensington Bank	0.55%	$1,000	-	Learn More Add Review
First National Bank	0.55%	$10,000	-	Learn More Add Review
Marshall County State Bank	0.55%	$10,000	-	Learn More Add Review
Northern State Bank of Thief River Falls	0.55%	$10,000	-	Learn More Add Review
North Star Bank	0.55%	$10,000	-	Learn More Add Review
ProGrowth Bank	0.51%	$10,000	-	Learn More Add Review
The First National Bank of Fairfax	0.50%	$1,000	-	Learn More Add Review
The First State Bank of Rosemount	0.50%	$500	-	Learn More Add Review
Woodlands National Bank	0.50%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.50%	$10,000	-	Learn More Add Review
First Bank & Trust	0.50%	$10,000	-	Learn More
BLONDEDOG \| Jan 12, 2023 Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months without any resolution. I haven't been presented any evidence in that time that ... Read More Reviews (2)
First Resource Bank	0.50%	$100,000	-	Learn More Add Review
Citizens Community Federal National Association	0.50%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.50%	$10,000	-	Learn More Add Review
First National Bank	0.50%	$10,000	-	Learn More Add Review
First State Bank and Trust	0.50%	$10,000	-	Learn More Add Review
West Bank	0.50%	$10,000	-	Learn More Add Review
Highland Bank	0.50%	$10,000	-	Learn More Add Review
Great Southern Bank	0.50%	$250	-	Learn More Add Review
First Farmers & Merchants State Bank of Grand Meadow	0.50%	$10,000	-	Learn More Add Review
Lake Elmo Bank	0.50%	$25,000	-	Learn More Add Review
Frandsen Bank & Trust	0.49%	$100,000	-	Learn More Add Review
Merchants Bank, National Association	0.48%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.45%	$10,000	-	Learn More Add Review
First Resource Bank	0.45%	$10,000	-	Learn More Add Review
RiverWood Bank	0.45%	$10,000	-	Learn More Add Review
Security State Bank of Marine	0.45%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.45%	$100,000	-	Learn More Add Review
BNC National Bank	0.45%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.44%	$10,000	-	Learn More Add Review
National Bank of Commerce	0.40%	$100,000	-	Learn More Add Review
First Farmers & Merchants State Bank	0.40%	$1,000	-	Learn More Add Review
MidWestOne Bank	0.40%	$10,000	-	Learn More Add Review
American Federal Bank	0.40%	$10,000	-	Learn More Add Review
First Security Bank - Sleepy Eye	0.40%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.40%	$10,000	-	Learn More Add Review
The First State Bank of Red Wing	0.40%	$10,000	-	Learn More Add Review
New Market Bank	0.40%	$500	-	Learn More Add Review
United Prairie Bank	0.40%	$10,000	-	Learn More Add Review
The State Bank of Faribault	0.40%	$10,000	-	Learn More Add Review
North Shore Bank of Commerce	0.40%	$10,000	-	Learn More Add Review
Lake Elmo Bank	0.40%	$1,000	-	Learn More Add Review
National Bank of Commerce	0.35%	$10,000	-	Learn More Add Review
United Prairie Bank	0.35%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.35%	$100,000	-	Learn More Add Review
First Security Bank - Canby	0.35%	$10,000	-	Learn More Add Review
Security State Bank of Hibbing	0.35%	$75,000	-	Learn More Add Review
Old National Bank	0.30%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Frandsen Bank & Trust	0.30%	$10,000	-	Learn More Add Review
First Farmers & Merchants National Bank	0.30%	$10,000	-	Learn More Add Review
Security State Bank of Hibbing	0.25%	$1,000	-	Learn More Add Review
Premier Bank	0.20%	$10,000	-	Learn More
Matthew \| Dec 3, 2020 Premier Bank stole my first HSA. The bank claims to have reached out to me before doing this, even though they had my correct and current phone number on file, but after some time of not using the mone... Read More Reviews (2)
Home Federal Savings Bank	0.20%	$10,000	-	Learn More Add Review
BankCherokee	0.20%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.20%	$10,000	-	Learn More Add Review
Premier Bank Minnesota	0.15%	$10,000	-	Learn More
evelyne k. sak \| May 24, 2016 SIR: I WOULD LIKE TO OPEN AN ONLINE ACCOUNT WITH YOUR BANK IN MN!!! COULD YOU HELP ME WITH THAT??? MY EMAIL ADDRESS IS: tepysutsak@gmail.com. THANK YOU Read More Reviews (1)
Frandsen Bank & Trust	0.15%	$10,000	-	Learn More Add Review
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Sterling State Bank	0.07%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Associated Bank, National Association	0.01%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Minnesota CD Rates – 3-Year

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

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