An official website of the State of North Dakota
Certificate of Deposit (CD) are available to North Dakota residents for a minimum of $100. You must come to Bank of North Dakota at 1200 Memorial Highway in Bismarck, North Dakota in order to establish the certificate.
CD Rates
| CD Rates Effective as of 10/27/2025 |
|
| Term | Interest Rate |
|---|---|
| 30-Days | 0.90% APY |
| 60-Days | 1.30% APY |
| 90-Days | 1.80% APY |
| 180-Days | 2.25% APY |
| 1-Year | 2.30% APY |
| 2-Year | 2.20% APY |
| 3-Year | 2.10% APY |
| 4-Year | 1.95% APY |
| 5-Year | 2.20% APY |
| CD Rates Effective as of 10/27/2025 |
|
| Term | 30-Days |
|---|---|
| Interest Rate | 0.90% APY |
| Term | 60-Days |
| Interest Rate | 1.30% APY |
| Term | 90-Days |
| Interest Rate | 1.80% APY |
| Term | 180-Days |
| Interest Rate | 2.25% APY |
| Term | 1-Year |
| Interest Rate | 2.30% APY |
| Term | 2-Year |
| Interest Rate | 2.20% APY |
| Term | 3-Year |
| Interest Rate | 2.10% APY |
| Term | 4-Year |
| Interest Rate | 1.95% APY |
| Term | 5-Year |
| Interest Rate | 2.20% APY |
Annual Percentage Yield (APY): The effective annual rate of return taking into account the effect of compounding interest.
The minimum balance of $100 is required to obtain the advertised annual percentage yield. Fees may reduce earnings on this account. Early withdrawals may be subject to a penalty.
If you have questions, contact us or call (701) 328-5615.