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United Minnesota Bank

Personal CDs

Certificates of Deposit are similar to savings accounts in that they are insured and thus virtually risk-free; they are "money in the bank" (CDs are insured by the FDIC). They are different from savings accounts in that the CD has a specific, fixed term (from 3 months to 5 years), and a fixed interest rate. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest. Substantial penalties will occur upon early withdrawal.

View your balance, maturity, and earnings of your CDs with Online Banking.

Click here to view current CD rates.