This guide will compare the best-fixed annuity rates with the best CD rates in North Dakota.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.
| Term | Insurance Company | Interest Rate |
|---|---|---|
| N/A | UFB Bank Savings Account | 5.02% |
| N/A | UFB Bank Money Market | 5.02% |
| 12 Months | Western Alliance Bank CD | 5.01% |
| 36 Months | Oceanview Fixed Annuity | 5.00% |
| 48 Months | Americo Fixed Annuity | 5.05% |
| 5 Years | Aspida Fixed Annuity | 5.50% |
| 6 Years | American National Fixed Annuity | 5.45% |
| 10 Years | American National Fixed Annuity | 5.45% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.
The Best Fixed Annuity Rates In North Dakota
| Company | Term | Rate | Minimum |
|---|---|---|---|
| Oceanview | 2 Years | 4.30% | $80,000.00 |
| Canvas Fixed Annuity | 3 Years | 5.50% | $2,500.00 |
| Oceanview | 4 Years | 5.00% | $80,000.00 |
| Canvas Fixed Annuity | 5 Years | 5.70% | $2,500.00 |
The Best CD Rates In North Dakota
3-Month CD Rates
The following banks and credit unions have the highest CD rates for three months.
| Best 3-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 2.25% APY | 3 Months | $0.00 |
| Popular Direct | 4.10% APY | 3 Months | $10,000.00 |
| TIAA Bank | 4.00% APY | 3 Months | $1,000.00 |
| TotalDirect Bank | 5.01% APY | 3 Months | $25,000.00 |
| Umbrella Bank | 3.75% APY | 3 Months | $1,000.00 |
| Ally | 2.00% APY | 3 Months | $0.00 |
| Bethpage Federal Credit Union | 2.25% APY | 3 Months | $50.00 |
| Citibank | 4.00% APY | 3 Months | $500.00 |
| Teachers Federal Credit Union | 5.00% APY | 3 Months | $1,000.00 |
6-Month CD Rates
The following banks and credit unions have the highest CD rates for six months.
| Best 6-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 4.35% APY | 6 Months | $1.000.00 |
| PenFed Credit Union | 2.70% APY | 6 Months | $1,000.00 |
| Synchrony Bank | 4.25% APY | 6 Months | $0.01 |
| Popular Direct | 4.55% APY | 6 Months | $10,000.00 |
| First Internet Bank | 4.52% APY | 6 Months | $1,000.00 |
| Quontic Bank | 3.75% APY | 6 Months | $500.00 |
| Live Oak | 4.50% APY | 6 Months | $2,500.00 |
| Marcus by Goldman Sachs | 3.90% APY | 6 Months | $500.00 |
| NASA Federal Credit Union | 4.75% APY | 9 Months | $10,000.00 |
| Bank5 Connect | 4.75% APY | 6 Months | $1,000.00 |
| Vio Bank | 4.50% APY | 6 Months | $500.00 |
| Prime Alliance Bank | 5.00% APY | 6 Months | $500.00 |
| Jovia Financial Credit Union | 5.00% APY | 8 Months | $100.00 |
| TotalDirectBank | 5.01% APY | 6 Months | $25,000.00 |
1-Year CD Rates
The following banks and credit unions have the highest CD rates for 12 months.
| Best 12-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 5.05% APY | 12 Months | $1,500.00 |
| First National Bank of America | 4.40% APY | 12 Months | $1,000.00 |
| CommunityWide FCU | 4.70% APY | 12 Months | $1,000.00 |
| PenFed Credit Union | 4.60% APY | 12 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.50% APY | 12 Months | $500.00 |
| Synchrony Bank | 4.50% APY | 12 Months | $0.00 |
| Popular Direct | 5.00% APY | 12 Months | $10,000.00 |
| First Internet Bank of Indiana | 5.06% APY | 12 Months | $1,000.00 |
| Alliant Credit Union | 5.00% APY | 12 Months | $1,000.00 |
| Bethpage Federal Credit Union | 5.00% APY | 12 Months | $50.00 |
| Umbrella Bank | 4.20% APY | 12 Months | $1,000.00 |
| Limelight Bank | 5.15% APY | 12 Months | $1,000.00 |
| Forbright Bank | 5.25% APY | 12-17 Months | $1,000.00 |
| CFG Bank | 5.15% APY | 12 Months | $500.00 |
2-Year CD Rates
The following banks and credit unions have the highest CD rates for 24 months.
| Best 2-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 4.30% APY | 24 Months | $0.01.00 |
| First National Bank of America | 4.40% APY | 24 Months | $1,000.00 |
| Pentagon Federal Credit Union | 4.45% APY | 24 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.35% APY | 24 Months | $500.00 |
| Lafayette Federal Credit Union | 4.47% APY | 24 Months | $500.00 |
| Credit Human | 5.50% APY | 24 Months | $500.00 |
| Pen Air Federal Credit Union | 5.05% APY | 28 Months | $500.00 |
3-Year CD Rates
The following banks and credit unions have the highest CD rates for 36 months.
| Best 3-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 36 Months | $1,500.00 |
| Pentagon Federal Credit Union | 4.10% APY | 36 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 36 Months | $0.01% |
| First National Bank of America | 4.40% APY | 36 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.30% APY | 36 Months | $500.00 |
| Discover | 4.30% APY | 36 Months | $2,500.00 |
| Alliant Credit Union | 4.45% APY | 36 Months | $1,000.00 |
| CFG Bank | 4.60% APY | 36 Months | $500.00 |
| Popular Direct | 4.40% APY | 36 Months | $10,000.00 |
| Quontic Bank | 4.30% APY | 36 Months | $500.00 |
| Barclays | 4.30% APY | 36 Months | $0.00 |
| Randolph-Brooks Federal Credit Union | 4.60% APY | 36 Months | $20,000.00 |
| BMO Harris | 4.50% APY | 36 Months | $1,000.00 |
| Credit Human | 5.50% APY | 24-35 Months | $500.00 |
| First Internet Bank of Indiana | 4.54% APY | 36 Months | $1,000.00 |
4-Year CD Rates
The following banks and credit unions have the highest CD rates for 48 months.
| Best 4-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.35% APY | 48 Months | $1,500.00 |
| NASA Federal Credit Union | 4.90% APY | 49 Months | $10,000.00 |
| PenFed Credit Union | 3.90% APY | 48 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 48 Months | $0.01 |
| First National Bank of America | 4.35% APY | 48 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 48 Months | $500.00 |
| Credit Human | 4.65% APY | 36-59 Months | $500.00 |
| All In Credit Union | 4.80% APY | 48 Months | $1,000.00 |
| University Federal Credit Union | 5.00% APY | 48 Months | $1,000.00 |
5-Year CD Rates
The following banks and credit unions have the highest CD rates for 60 months.
| Best 5-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.25% APY | 60 Months | $1,500.00 |
| Popular Direct | 4.45% APY | 60 Months | $10,000.00 |
| Synchrony Bank | 4.30% APY | 60 Months | $0.00 |
| PenFed Credit Union | 3.90% APY | 60 Months | $1,000.00 |
| First National Bank of America | 4.35% APY | 60 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.80% APY | 60 Months | $500.00 |
| Discover | 4.10% APY | 60 Months | $2,500.00 |
| Connexus Credit Union | 3.51% APY | 60 Months | $5,000.00 |
| Barclays | 4.30% APY | 60 Months | $0.00 |
| BMO Harris | 4.50% APY | 59 Months | $5,000.00 |
| Seattle Bank | 4.70% APY | 60 Months | $1,000.00 |
| Credit Human | 4.65% APY | 60 Months | $500.00 |
| First Internet Bank of Indiana | 4.49% APY | 60 Months | $1,000.00 |
| All In Credit Union | 5.00% APY | 60 Months | $1,000.00 |
Next Steps
New Dakota has several top-rated annuity and CD providers, so choosing the right one for your needs can be challenging. That’s where we come in! Our team at The Annuity Expert and CD Rates is dedicated to finding you the best rates possible on your investment. Contact us today for a free quote and see how much you could be saving. Thanks for reading!
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