Best credit union CD rates in Minnesota
Wings Credit Union (formerly Ent) has the highest APY in this tracked sample of 7 institutions: 4.80% APY for 6 months, verified October 22, 2026.
These institutions list Minnesota in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Wings Credit Union (formerly Ent) | 6 monthsMy Savings Builder Certificate · Special | $25 | Membership required · branches in CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 Source text |
| Genisys Credit Union | 13 monthsCertificate Special · Promotional | $500 | Membership required · branches in MI, MN | 4.60% | October 22, 2026 Source text |
| Affinity Plus Federal Credit Union | 60 monthsBasic Certificate · Standard | $500 | Membership required · branches in MN | 4.50% | October 22, 2026 Source text |
| BCU (Baxter Credit Union) | 15 monthsNew Money CD Specials - Regular · Promotional | Not stated | Membership required · branches in 15 states | 4.30% | October 22, 2026 Source text |
| Notre Dame Federal Credit Union | 24 monthsStandard or IRA Certificate · Standard | Not stated | Membership required · branches in AZ, IN, MI, MN | 4.25% | October 22, 2026 Source text |
| Connexus Credit Union | 6 monthsRegular Certificates · Standard | $5,000 | Membership required · branches in IL, MN, WI | 4.00% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other Minnesota institutions we don't verify yet
These banks and credit unions serve Minnesota, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Old National Bank Bank · HQ Evansville, IN Its website blocks automated access, so we cannot verify its rates daily. Checked October 23, 2026. Current rates on www.oldnational.com
Compare with public benchmarks
The highest tracked quote is 4.80% APY for 6 months. The Treasury APY-equivalent for a similar term is 4.40% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Wings Credit Union (formerly Ent) has the highest APY in this tracked sample of 7 institutions: 4.80% APY for 6 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes