Last Updated: 01/16/2026
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Highlights
APY (Annual Percentage Yield)
3.75%(Verified 10/31/2025)
Minimum Opening Deposit
$500
Certificate Term
7 months
Bell Bank CD Review
Bell Bank CD are offered by Bell Bank, a bank founded in 1966 and based in Maple Grove, MN. Bell Bank CD are available in 50 states,Puerto Rico, and Washington, DC.
Key Takeaways
- Only one CD type available. Bell Bank CD only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.75%, which is much higher than the national average for a CD account.
- $500 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Limited selection of CD terms. Bell Bank CD only offers one CD term. This limits your options when trying to set up a CD ladder.
Pros & Cons of Bell Bank CD
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Bell Bank CD FAQ
Are CD from Bell Bank federally insured?
No, your Bell Bank CD accounts are not insured by a federal insurance agency. This means that if Bell Bank were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does Bell Bank offer?
Bell Bank CD provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does Bell Bank offer on its CDs?
The CD rates for this account have an APY of3.75% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1.6% APY for 12-month CDs.
What terms does Bell Bank CD offer?
Bell Bank offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term | 7 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 3.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7-Month APY | 3.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with Bell Bank?
Bell Bank CD require a minimum deposit of $500 to open an account.
What is the grace period for Bell Bank CD?
Bell Bank CD does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Bell Bank charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
Bell Bank charges an early withdrawal fee.
Bell Bank does charge any of the fees we track.
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Hours of Operation
Sunday
Closed
Monday
7:30AM - 6:00PM
Tuesday
7:30AM - 6:00PM
Wednesday
7:30AM - 6:00PM
Thursday
7:30AM - 6:00PM
Friday
7:30AM - 6:00PM
Saturday
8:00AM - 12:00PM