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Personal Certificates of Deposit (CDs)

Calculator Rates

If you want to meet your savings goals with certainty, you’ve come to the right place. Watch your balance grow with guaranteed, fixed-rate earnings.

Key Features

  • Fixed Rates
  • Competitive Interest
  • No Setup or Maintenance Fees
  • Wide Range of Terms






Account Type

Minimum Balance


Annual Percentage Yield

6 Month Certificate2,3




15 Month Certificate2




24 Month Certificate





  • Meet your savings goals with guaranteed, fixed-rate earnings
  • Higher interest rates than other savings products1
  • More safe than other, riskier investments
  • Variable terms (from 91 days to 5 years)
  • Flexible payout options
    • Add to the balance of your current certificate, transfer to another CIB account, or mailed to you via check
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • Funds are FDIC insured
  • Minimum deposit as low as $500


We have a solution. Learn More IntraFi Personal Solutions | CIB | Plymouth, St. Louis Park, Robbinsdale, Hopkins - MN (

  • Enjoy multi-million-dollar FDIC insurance through a single bank relationship at CIB.
  • Choose the service or combination of services that can offer the returns and access to funds you seek.

Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate.  A penalty may be assessed for early withdrawal.  Fees could reduce the earnings on the account.  Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000.  Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds. Rates effective March 8, 2024.

1Not available online, contact branch to open

2Excludes Individual Retirement Account (IRA) Funds.

3 50% or more of CD funds must be new to CIB to receive rate. Alternative rate for existing CIB funds will be 4.45% rate with 4.50% APY.