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Personal Banking
Certificates of Deposit

Winona National Bank offers a variety of Certificate of Deposit (CD) terms and yields for our clients. A Certificate of Deposit allows you to invest your money for a fixed term at a fixed rate to earn a higher yield than a regular savings account. If you need to withdraw funds before the term is up, a penalty does apply. Terms are flexible, ranging from 3 to 60 months.


  • Minimum deposit of $500.00 (excluding certificate of deposit specials).
  • Certificates of Deposit are available for regular or IRA investments. Interest is compounded quarterly. Penalties apply for early withdrawal.
  • Monitoring your Certificate of Deposit is easy with Internet Banking.

Check out our certificate rates.

For information on other investment options, visit our Investment Services page.

Please contact our Personal Banking Team for more information or to purchase your Certificate of Deposit.