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University of Wisconsin Credit Union

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University of Wisconsin Credit Union Rates & Review November 2026

Q: What are the current interest rates at University of Wisconsin Credit Union?

Current rates for University of Wisconsin Credit Union include: 12-Month CD: 0.67%, 18-Month CD: 1.55%, 24-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 0.60%, MMA: 3.29%

Q: What CD terms does University of Wisconsin Credit Union offer?

University of Wisconsin Credit Union CD rates are 4.10% APY for a 7 month CD, 0.67% APY for a 12 month CD, 4.25% APY for a 14 month CD, 1.55% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with University of Wisconsin Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

University of Wisconsin Credit Union's 14 Month Specials CD rates are at 4.25%, CD - 14 month rates are at 4.25%, Specials CD - 14 month rates are at 4.15%, 7 Month Specials CD rates are at 4.10%, CD - 7 month rates are at 4.10%. University of Wisconsin Credit Union's savings rates are at 0.60%. University of Wisconsin Credit Union's money market rates are at 3.29%. University of Wisconsin Credit Union's checking rates are as high as 0.10%. University of Wisconsin Credit Union's 3yr/6mo ARM rates are at 6.12%, 5yr/6mo ARM rates are at 6.50%, 15 Year Fixed Rate rates are at 6.62%, 30 Year Fixed Rate rates are at 7.12%. University of Wisconsin Credit Union's Personal Loan Rates are as low as 8.48%. University of Wisconsin Credit Union's Credit Card Rates are at 12.90%. University of Wisconsin Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of University of Wisconsin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 10/29/2026.

University of Wisconsin Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at University of Wisconsin Credit Union? Share your experience about University of Wisconsin Credit Union by leaving a review below, or read customer reviews before you decide to use University of Wisconsin Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

University of Wisconsin Credit Union
Community Building

8033 Excelsior Dr
Madison, WI 53717

https://www.uwcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

University of Wisconsin Credit Union CD Rates

Product	Rate	APY	Term
14 Month Specials Certificate	4.16%	4.25%	14 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 14 month	4.16%	4.25%	14 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 14 month	4.11%	4.20%	14 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15% Oct 19, 20264.20%▲ from 4.15% Oct 13, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Specials 14 month	4.11%	4.20%	14 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Sep 22, 20264.20%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 14 month	4.07%	4.15%	14 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.15% → 4.15% ▼ 0.00 pts · high 4.20% / low 4.15% Oct 26, 20264.15%▼ from 4.20% Oct 19, 20264.20%▲ from 4.15% Oct 13, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Specials Certificate - 14 month	4.07%	4.15%	14 Months
Min Balance $5,000 Details Certificates; Specials Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.25% → 4.15% ▼ 0.10 pts · high 4.25% / low 4.15% Oct 26, 20264.15%▼ from 4.20% Oct 19, 20264.20%▼ from 4.25% Oct 13, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
7 Month Specials Certificate	4.02%	4.10%	7 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 7 month	4.02%	4.10%	7 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 7 month	3.97%	4.05%	7 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00% Oct 19, 20264.05%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Specials 7 month	3.97%	4.05%	7 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Certificate - 7 month	3.92%	4.00%	7 Months
Min Balance $5,000 Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.05% / low 4.00% Oct 26, 20264.00%▼ from 4.05% Oct 19, 20264.05%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Specials Certificate - 7 month	3.92%	4.00%	7 Months
Min Balance $5,000 Details Certificates; Specials Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.10% → 4.00% ▼ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.00%▼ from 4.05% Oct 19, 20264.05%▼ from 4.10% Oct 13, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
15 Month IRA Certificate Specials	3.83%	3.90%	15 Months
Min Balance $250,000 Details IRA certificate special Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
7 Month IRA Certificate Specials	3.83%	3.90%	7 Months
Min Balance $250,000 Details IRA certificate special Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
15 Month IRA Certificate Specials	3.78%	3.85%	15 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
7 Month IRA Certificate Specials	3.78%	3.85%	7 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
15 Month IRA Certificate Specials	3.73%	3.80%	15 Months
Min Balance $500 Details IRA certificate special Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
7 Month IRA Certificate Specials	3.73%	3.80%	7 Months
Min Balance $500 Details IRA certificate special Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificates	3.30%	3.35%	12 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month Regular Certificate	3.30%	3.35%	12 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificates	3.30%	3.35%	18 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month Regular Certificate	3.30%	3.35%	18 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificates	3.30%	3.35%	24 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month Regular Certificate	3.30%	3.35%	24 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificates	3.30%	3.35%	30 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month Regular Certificate	3.30%	3.35%	30 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificates	3.30%	3.35%	36 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month Regular Certificate	3.30%	3.35%	36 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificates	3.30%	3.35%	48 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month Regular Certificate	3.30%	3.35%	48 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificates	3.30%	3.35%	60 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month Regular Certificate	3.30%	3.35%	60 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
9 Month IRA Certificates	3.30%	3.35%	9 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
9 Month No Penalty Certificate	3.30%	3.35%	9 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum; No Penalty Certificate: substantial early withdrawal penalties do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
9 Month Regular Certificate	3.30%	3.35%	9 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificates	3.25%	3.30%	12 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificates	3.25%	3.30%	18 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificates	3.25%	3.30%	24 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificates	3.25%	3.30%	30 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificates	3.25%	3.30%	36 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificates	3.25%	3.30%	48 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificates	3.25%	3.30%	60 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
9 Month IRA Certificates	3.25%	3.30%	9 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
No Penalty Certificate 9 month	3.25%	3.30%	9 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.35% / low 3.25% Oct 19, 20263.30%▼ from 3.35% Sep 18, 20263.35%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 12 Month	3.25%	3.30%	12 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 18 Month	3.25%	3.30%	18 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 24 Month	3.25%	3.30%	24 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 30 Month	3.25%	3.30%	30 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 36 Month	3.25%	3.30%	36 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 48 month	3.25%	3.30%	48 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 60 month	3.25%	3.30%	60 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 9 Month	3.25%	3.30%	9 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificates	3.20%	3.25%	12 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificates	3.20%	3.25%	18 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificates	3.20%	3.25%	24 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificates	3.20%	3.25%	30 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificates	3.20%	3.25%	36 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificates	3.20%	3.25%	48 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificates	3.20%	3.25%	60 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
9 Month IRA Certificates	3.20%	3.25%	9 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
No Penalty Certificate - 9 month	3.20%	3.25%	9 Months
Min Balance $5,000 Details Certificates; No Penalty Certificate Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.35% / low 3.25% Oct 26, 20263.25%▼ from 3.30% Oct 19, 20263.30%▼ from 3.35% Sep 18, 20263.35%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 12 Month	3.20%	3.25%	12 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 18 Month	3.20%	3.25%	18 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 24 Month	3.20%	3.25%	24 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 30 Month	3.20%	3.25%	30 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 36 Month	3.20%	3.25%	36 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 48 month	3.20%	3.25%	48 Months
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 26, 20263.25%▼ from 3.30% Oct 19, 20263.30%▼ from 3.35% Oct 13, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 60 month	3.20%	3.25%	60 Months
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 26, 20263.25%▼ from 3.30% Oct 19, 20263.30%▼ from 3.35% Oct 13, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 9 Month	3.20%	3.25%	9 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificates	3.05%	3.10%	6 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month Regular Certificate	3.05%	3.10%	6 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificates	3.00%	3.05%	6 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 6 Month	3.00%	3.05%	6 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificates	2.96%	3.00%	6 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 6 Month	2.96%	3.00%	6 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificates	2.81%	2.85%	3 Months
Min Balance $250,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month Regular Certificate	2.81%	2.85%	3 Month
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificates	2.76%	2.80%	3 Months
Min Balance $10,000 Details Individual Retirement Account (IRAs) with $10,000 Minimum; Contact Us to Apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular 3 Month	2.76%	2.80%	3 Month
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificates	2.71%	2.75%	3 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 3 Month	2.71%	2.75%	3 Month
Min Balance $500 Details Certificates; Regular Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver 30 month	1.73%	1.75%	30 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver - 30 month	1.69%	1.70%	30 Months
Min Balance $250 Details Certificates; Smart Saver Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver 18 month	1.59%	1.60%	18 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver - 18 month	1.54%	1.55%	18 Months
Min Balance $250 Details Certificates; Smart Saver Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver Plus 12 month	0.72%	0.72%	12 Months
Min Balance $10,000 Details Certificates with $10,000 Minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.72% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Smart Saver Plus - 12 month	0.67%	0.67%	12 Months
Min Balance $250 Details Certificates; Smart Saver Plus Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.67% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.60%	0.60%
Min Balance $5 Details Individual Retirement Account (IRA) savings; APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.60% ▲ 0.15 pts · high 0.60% / low 0.45% Oct 9, 20260.60%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Savings	0.50%	0.50%
Min Deposit $5 Details Personal, Youth, Business, Organization Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.50% ▲ 0.15 pts · high 0.50% / low 0.35% Oct 9, 20260.50%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Money Market Rates

Product	Rate	APY
Investor's Indexed Money Market Account	3.24%	3.29%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.16% → 3.29% ▲ 0.13 pts · high 3.29% / low 3.16% Oct 19, 20263.29%▲ from 3.23% Sep 22, 20263.23%▲ from 3.16% Sep 14, 20263.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Indexed Money Market Account	3.14%	3.19%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.06% → 3.19% ▲ 0.13 pts · high 3.19% / low 3.06% Oct 19, 20263.19%▲ from 3.13% Sep 22, 20263.13%▲ from 3.06% Sep 14, 20263.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Indexed Money Market Account	3.04%	3.09%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.96% → 3.09% ▲ 0.13 pts · high 3.09% / low 2.96% Oct 19, 20263.09%▲ from 3.03% Sep 22, 20263.03%▲ from 2.96% Sep 14, 20262.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Indexed Money Market Account	2.95%	2.99%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.86% → 2.99% ▲ 0.13 pts · high 2.99% / low 2.86% Oct 19, 20262.99%▲ from 2.93% Sep 22, 20262.93%▲ from 2.86% Sep 14, 20262.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	2.60%	2.63%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 or more; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.47% → 2.63% ▲ 0.16 pts · high 2.63% / low 2.47% Oct 19, 20262.63%▲ from 2.57% Sep 22, 20262.57%▲ from 2.47% Sep 14, 20262.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	2.12%	2.14%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 2.01% → 2.14% ▲ 0.13 pts · high 2.14% / low 2.01% Oct 19, 20262.14%▲ from 2.09% Sep 26, 20262.09%▲ from 2.01% Sep 18, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	1.63%	1.64%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.54% → 1.64% ▲ 0.10 pts · high 1.64% / low 1.54% Oct 19, 20261.64%▲ from 1.61% Sep 26, 20261.61%▲ from 1.54% Sep 18, 20261.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	1.00%	1.00%
Min Deposit $100 Min Balance $7,500 Details Balance: $7,500 - $9,999; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	0.70%	0.70%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $7,499; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 0.60% → 0.70% ▲ 0.10 pts · high 0.70% / low 0.60% Oct 9, 20260.70%▲ from 0.60% Sep 18, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Investor's Advantage Money Market Account	0.50%	0.50%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $2,499; Dividend rate variable and may change after account is opened Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 0.35% → 0.50% ▲ 0.15 pts · high 0.50% / low 0.35% Oct 9, 20260.50%▲ from 0.35% Sep 18, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
Min Deposit $0 Details Rewards, Business, Trust & Estate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3yr/6mo ARM	6.125%	-	6.546%
Details As Low As; Adjustable Rate Mortgage fixed for the first 3 years, then adjusted every 6 months for the life of the mortgage; Home Loans - Purchase Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.61% → 6.55% ▼ 0.06 pts · high 6.61% / low 6.55% Oct 29, 20266.55%▼ from 6.58% Oct 19, 20266.58%▼ from 6.61% Oct 13, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
5yr/6mo ARM	6.50%	-	6.625%
Details As Low As; Adjustable Rate Mortgage fixed for the first 5 years, then adjusted every 6 months for the life of the mortgage; Home Loans - Purchase Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.73% → 6.63% ▼ 0.10 pts · high 6.73% / low 6.63% Oct 29, 20266.63%▼ from 6.68% Oct 19, 20266.68%▼ from 6.73% Oct 13, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
15 Year Fixed Rate	6.625%	-	6.705%	15 years
Details As Low As; Home Loans - Purchase Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.58% → 6.71% ▲ 0.13 pts · high 7.08% / low 6.58% Oct 29, 20266.71%▼ from 6.96% Oct 13, 20266.96%▼ from 7.08% Sep 26, 20267.08%▲ from 6.71% Sep 18, 20266.71%▲ from 6.58% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Year Fixed Rate	7.125%	-	7.175%	30 years
Details As Low As; Home Loans - Purchase Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 7.05% → 7.18% ▲ 0.13 pts · high 7.55% / low 7.05% Oct 29, 20267.18%▼ from 7.30% Oct 19, 20267.30%▼ from 7.43% Oct 13, 20267.43%▼ from 7.55% Oct 1, 20267.55%▲ from 7.43% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Line of Credit Fixed Segments	-	-	6.49%	5 Year
Details As Low As; Fixed segment; footnote 2; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 26, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit Fixed Segments - 5 Year Fixed	-	-	6.49%	5 Year
Details As Low As; Fixed segment option on Home Equity Line of Credit; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Loan - 5 Year Fixed	-	-	6.49%	5 Year
Details As Low As; Fixed Rate; Rates shown are for homeowners with 70% loan-to-value; minimum loan amount $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 13, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit - Special Offer Variable Rate (APR Thereafter)	-	-	6.50%
Details As Low As; APR Thereafter; footnote 1 special offer applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit - Variable Rate	-	-	6.50%
Details As Low As; APR*; minimum loan amount $5,000; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit - Line of Credit Fixed Segments	-	-	7.49%	10 Year
Details As Low As; Fixed segment; footnote 3; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Sep 26, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit Fixed Segments - 10 Year Fixed	-	-	7.49%	10 Year
Details As Low As; Fixed segment option on Home Equity Line of Credit; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Loan - 10 Year Fixed	-	-	7.49%	10 Year
Details As Low As; Fixed Rate; Rates shown are for homeowners with 70% loan-to-value; minimum loan amount $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 13, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit - Line of Credit Fixed Segments	-	-	8.99%	15 Year
Details As Low As; Fixed segment; footnote 4; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Sep 26, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit Fixed Segments - 15 Year Fixed	-	-	8.99%	15 Year
Details As Low As; Fixed segment option on Home Equity Line of Credit; rates shown for homeowners with 70% loan-to-value Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Loan - 15 Year Fixed	-	-	8.99%	15 Year
Details As Low As; Fixed Rate; Rates shown are for homeowners with 70% loan-to-value; minimum loan amount $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 13, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 48 Months	-	-	5.47%	48 Months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.22% → 5.47% ▲ 0.25 pts · high 5.47% / low 5.22% Oct 26, 20265.47%▲ from 5.22% Sep 14, 20265.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loans	-	-	5.47%	48 Months
Details As Low As; Minimum loan amount: $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.22% → 5.47% ▲ 0.25 pts · high 5.47% / low 5.22% Sep 26, 20265.47%▲ from 5.22% Sep 18, 20265.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto Loans - 36 Months	-	-	5.47%	36 Months
Details As Low As; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.22% → 5.47% ▲ 0.25 pts · high 5.47% / low 5.22% Oct 26, 20265.47%▲ from 5.22% Sep 14, 20265.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto Loans - 48 Months	-	-	5.67%	48 Months
Details As Low As; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.42% → 5.67% ▲ 0.25 pts · high 5.67% / low 5.42% Oct 26, 20265.67%▲ from 5.42% Sep 14, 20265.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loan - 60 Months	-	-	5.77%	60 Months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.52% → 5.77% ▲ 0.25 pts · high 5.77% / low 5.52% Oct 26, 20265.77%▲ from 5.52% Sep 14, 20265.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loans	-	-	5.77%	60 Months
Details As Low As; Minimum loan amount: $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.52% → 5.77% ▲ 0.25 pts · high 5.77% / low 5.52% Sep 26, 20265.77%▲ from 5.52% Sep 18, 20265.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loan - 72 Months	-	-	5.92%	72 Months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.67% → 5.92% ▲ 0.25 pts · high 5.92% / low 5.67% Oct 26, 20265.92%▲ from 5.67% Sep 14, 20265.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loans	-	-	5.92%	72 Months
Details As Low As; Minimum loan amount: $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.67% → 5.92% ▲ 0.25 pts · high 5.92% / low 5.67% Sep 26, 20265.92%▲ from 5.67% Sep 18, 20265.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto Loans - 60 Months	-	-	5.92%	60 Months
Details As Low As; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.67% → 5.92% ▲ 0.25 pts · high 5.92% / low 5.67% Oct 26, 20265.92%▲ from 5.67% Sep 14, 20265.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loan - 84 Months	-	-	6.88%	84 Months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 26, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto Loans	-	-	6.88%	84 Months
Details As Low As; Minimum loan amount: $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Sep 26, 20266.88%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto Loans - 72 Months	-	-	6.98%	72 Months
Details As Low As; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.73% → 6.98% ▲ 0.25 pts · high 6.98% / low 6.73% Oct 26, 20266.98%▲ from 6.73% Sep 14, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loans - 48 Months	-	6.47%	48 Months
Details As Low As; Minimum Loan Amount: $5,000; Monthly Payment per $1000 Borrowed: $23.59 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.22% → 6.47% ▲ 0.25 pts · high 6.47% / low 6.22% Oct 13, 20266.47%▲ from 6.22% Sep 14, 20266.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 60 Month	-	6.47%	60 Month
Details As Low As; Minimum Loan Amount: $5,000; Monthly Payment per $1000 Borrowed: $19.44 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.22% → 6.47% ▲ 0.25 pts · high 6.47% / low 6.22% Oct 13, 20266.47%▲ from 6.22% Sep 14, 20266.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 72 Month	-	7.47%	72 Month
Details As Low As; Minimum Loan Amount: $15,000; Monthly Payment per $1000 Borrowed: $17.15 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.22% → 7.47% ▲ 0.25 pts · high 7.47% / low 7.22% Oct 13, 20267.47%▲ from 7.22% Sep 14, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 84 Months	-	8.47%	84 Months
Details As Low As; Minimum Loan Amount: $15,000; Monthly Payment per $1000 Borrowed: $15.70 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.22% → 8.47% ▲ 0.25 pts · high 8.47% / low 8.22% Oct 13, 20268.47%▲ from 8.22% Sep 14, 20268.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 96 Months	-	9.47%	96 Months
Details As Low As; Minimum Loan Amount: $15,000; Monthly Payment per $1000 Borrowed: $14.76 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.22% → 9.47% ▲ 0.25 pts · high 9.47% / low 9.22% Oct 13, 20269.47%▲ from 9.22% Sep 14, 20269.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Powersport Loans - 36 Months	-	10.18%	36 Months
Details As Low As; Monthly Payment per $1000 Borrowed: $32.23; Powersport - Minimum loan amount is $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 120 Months	-	10.47%	120 Months
Details As Low As; Minimum Loan Amount: $25,000; Monthly Payment per $1000 Borrowed: $13.34 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.22% → 10.47% ▲ 0.25 pts · high 10.47% / low 10.22% Oct 13, 202610.47%▲ from 10.22% Sep 14, 202610.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat & RV Loans - 180 Months	-	11.37%	180 Months
Details As Low As; Minimum Loan Amount: $50,000; Monthly Payment per $1000 Borrowed: $11.44 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.12% → 11.37% ▲ 0.25 pts · high 11.37% / low 11.12% Oct 13, 202611.37%▲ from 11.12% Sep 14, 202611.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	12.90%
Details As Low As; Rate: Prime + 5.90%; Monthly Payment: 2% of balance or $15 whichever is greater; Regular APR range: 12.90% - 24.25% Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 29, 202612.90%▲ from 12.65% Sep 18, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Visa Rewards Credit Card	-	15.50%
Details As Low As; Rate: Prime + 8.50%; Monthly Payment: 2% of balance or $15 whichever is greater; Regular APR range: 15.50% - 26.85% Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 29, 202615.50%▲ from 15.25% Sep 18, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Visa Secured	-	17.70%
Details As Low As; Rate: Prime + 10.70%; Monthly Payment: 2% of balance or $15 whichever is greater Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 17.45% → 17.70% ▲ 0.25 pts · high 17.70% / low 17.45% Oct 29, 202617.70%▲ from 17.45% Sep 18, 202617.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Visa Signature Rewards Card	-	19.16%
Details As Low As; Rate: Prime + 12.16%; Monthly Payment: 2% of balance or $15 whichever is greater; Regular APR range: 19.16% - 27.25% Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 18.91% → 19.16% ▲ 0.25 pts · high 19.16% / low 18.91% Oct 29, 202619.16%▲ from 18.91% Sep 18, 202618.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 36 Months	8.48%	36 Months
Details As Low As; Minimum loan amount for unsecured loans is $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.23% → 8.48% ▼ 3.75 pts · high 12.23% / low 8.48% Oct 19, 20268.48%▼ from 12.23% Sep 14, 202612.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loans - 48 Months	9.48%	48 Months
Details As Low As; Minimum loan amount for unsecured loans is $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.23% → 9.48% ▼ 2.75 pts · high 12.23% / low 9.48% Oct 19, 20269.48%▼ from 12.23% Sep 14, 202612.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loans - 60 Months	11.48%	60 Months
Details As Low As; Minimum loan amount for unsecured loans is $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.23% → 11.48% ▼ 0.75 pts · high 12.23% / low 11.48% Oct 19, 202611.48%▼ from 12.23% Sep 14, 202612.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loans - 72 Months	12.48%	72 Months
Details As Low As; Minimum loan amount for unsecured loans is $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.23% → 12.48% ▲ 0.25 pts · high 12.48% / low 12.23% Oct 19, 202612.48%▲ from 12.23% Sep 14, 202612.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Visa Signature Rewards Card	19.16%
Details As Low As; Rate: Prime + 12.16%; Monthly Payment: 2% of balance or $15 whichever is greater; Regular APR range: 19.16% - 27.25% Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 18.91% → 19.16% ▲ 0.25 pts · high 19.16% / low 18.91% Oct 29, 202619.16%▲ from 18.91% Sep 18, 202618.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

University of Wisconsin Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate Family	5.99%	-	6.24%	5 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.24% ▲ 0.35 pts · high 6.24% / low 5.89% Oct 9, 20266.24%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Family	7.17%	-	7.42%	10 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.15% → 7.42% ▲ 0.27 pts · high 7.42% / low 7.15% Oct 9, 20267.42%▲ from 7.15% Sep 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Family	7.88%	-	8.13%	15 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.90% → 8.13% ▲ 0.23 pts · high 8.13% / low 7.90% Oct 9, 20268.13%▲ from 7.90% Sep 14, 20267.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Refinance	5.99%	-	6.24%	5 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $19.33; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.24% ▲ 0.35 pts · high 6.24% / low 5.89% Oct 2, 20266.24%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Refinance	6.46%	-	6.71%	7 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $14.83; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.40% → 6.71% ▲ 0.31 pts · high 6.71% / low 6.40% Oct 2, 20266.71%▲ from 6.40% Sep 14, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Refinance	7.17%	-	7.42%	10 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $11.70; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.15% → 7.42% ▲ 0.27 pts · high 7.42% / low 7.15% Oct 2, 20267.42%▲ from 7.15% Sep 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Fixed Rate Refinance	7.88%	-	8.13%	15 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $9.49; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.90% → 8.13% ▲ 0.23 pts · high 8.13% / low 7.90% Oct 2, 20268.13%▲ from 7.90% Sep 14, 20267.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Construction Loans	6.375%	-	6.839%
Details As Low As; Home Loans - Purchase Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 6.71% → 6.84% ▲ 0.13 pts · high 7.22% / low 6.71% Oct 29, 20266.84%▼ from 6.96% Oct 19, 20266.96%▼ from 7.09% Oct 13, 20267.09%▼ from 7.22% Oct 1, 20267.22%▲ from 7.09% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Paycheck Advance Loan	-	-	21.75%
Details As Low As; Minimum loan amount $50, maximum loan amount $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 21.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Rapid Refinance - 12 Year Fixed	6.50%	-	6.511%	12 Year
Details Monthly Payment Per $1000 Borrowed: $10.02; Rate and APR shown as 'As Low As' Last Updated 10/29/2026 Rate History 8 changes since Sep 14, 2026 · 6.51% → 6.51% ▼ 0.00 pts · high 7.14% / low 6.51% Oct 29, 20266.51%▼ from 6.64% Oct 26, 20266.64%▼ from 6.76% Oct 19, 20266.76%▼ from 7.01% Oct 13, 20267.01%▼ from 7.14% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Rapid Refinance 8 Year Fixed	6.25%	-	6.266%	8 Year
Details Monthly Payment Per $1000 Borrowed: $13.27; Rate and APR shown as 'As Low As' Last Updated 10/29/2026 Rate History 8 changes since Sep 14, 2026 · 6.27% → 6.27% ▼ 0.00 pts · high 6.89% / low 6.27% Oct 29, 20266.27%▼ from 6.39% Oct 26, 20266.39%▼ from 6.52% Oct 19, 20266.52%▼ from 6.77% Oct 13, 20266.77%▼ from 6.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Reserve Line of Credit	-	-	14.00%
Details As Low As; Rate: Prime + 7.00%; Monthly payment: 3% of balance or $15 whichever is greater; Minimum; Minimum loan amount $500; Rates are variable and subject to change Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 18, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Family Loan	5.04%	-	5.29%	5 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Family Loan	5.69%	-	5.94%	10 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Family Loan	6.04%	-	6.29%	15 Year
Details As Low As; Rate with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Refinance	5.04%	-	5.29%	5 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $18.89; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Refinance	5.34%	-	5.59%	7 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $14.29; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Refinance	5.69%	-	5.94%	10 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $10.95; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Variable Rate Refinance	6.04%	-	6.29%	15 Year
Details As Low As; Monthly Payment per $1000 Borrowed: $8.46; Rate shown with rate discount for automatic payments Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
College Fund	0.60%	-	0.60%
Min Deposit $100 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.60% ▲ 0.15 pts · high 0.60% / low 0.45% Oct 9, 20260.60%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 12 Months	3.20%	-	3.25%	12 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 18 Months	3.20%	-	3.25%	18 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 24 Months	3.20%	-	3.25%	24 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 3 Months	2.71%	-	2.75%	3 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 30 Months	3.20%	-	3.25%	30 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 36 Months	3.20%	-	3.25%	36 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 48 Months	3.20%	-	3.25%	48 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 6 Months	2.96%	-	3.00%	6 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 60 Months	3.20%	-	3.25%	60 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate - 9 Months	3.20%	-	3.25%	9 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate Specials - 15 Months	3.73%	-	3.80%	15 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate Specials - 7 Months	3.73%	-	3.80%	7 Months
Min Balance $500 Details Individual Retirement Account (IRA); APYs shown are current as of 10/16/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate Specials 15 Months	3.83%	-	3.90%	15 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum; Dividend rate 3.83% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificate Specials 7 Months	3.83%	-	3.90%	7 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum; Dividend rate 3.83% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 12 Months	3.30%	-	3.35%	12 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 18 Months	3.30%	-	3.35%	18 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 24 Months	3.30%	-	3.35%	24 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 3 Months	2.81%	-	2.85%	3 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 30 Months	3.30%	-	3.35%	30 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 36 Months	3.30%	-	3.35%	36 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 48 Months	3.30%	-	3.35%	48 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 6 Months	3.05%	-	3.10%	6 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 60 Months	3.30%	-	3.35%	60 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Certificates 9 Months	3.30%	-	3.35%	9 Months
Min Balance $250,000 Details Individual Retirement Account (IRA) with $250,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
No Penalty Certificate - 9 Months	3.30%	-	3.35%	9 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum; no penalty for early withdrawal during the certificate term; full or partial withdrawals after first 5 business days Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 29, 20263.35%▲ from 3.30% Sep 18, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 48 Months	3.30%	-	3.35%	48 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 29, 20263.35%▲ from 3.25% Oct 26, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Certificate - 60 Months	3.30%	-	3.35%	60 Months
Min Balance $250,000 Details Certificates with $250,000 Minimum Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 29, 20263.35%▲ from 3.25% Oct 26, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

University of Wisconsin Credit Union’s Texas Ratio stayed near 3.29% in Q3 2023 to 3.38% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.7B	3.38%	5.0	A+
March 31, 2026	$6.6B	3.95%	5.0	A+
December 31, 2025	$6.3B	4.46%	5.0	A+
September 30, 2025	$6.2B	4.47%	5.0	A+
June 30, 2025	$6.1B	3.97%	5.0	A+
March 31, 2025	$5.9B	3.99%	5.0	A+
December 31, 2024	$5.7B	4.89%	5.0	A+
September 30, 2024	$5.6B	4.69%	5.0	A+
June 30, 2024	$5.6B	4.28%	5.0	A+
March 31, 2024	$5.6B	3.87%	5.0	A+
December 31, 2023	$5.3B	4.02%	5.0	A+
September 30, 2023	$5.1B	3.29%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for University of Wisconsin Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather University of Wisconsin Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with University of Wisconsin Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University of Wisconsin Credit Union

Website https://www.uwcu.org

Address 8033 Excelsior Dr, Madison, WI 53717

Phone 608-232-5000

Fax 608-232-5044

President Kelly Wilson

CEO Paul Kundert

Full-Time Employees 842

Part-Time Employees 78

Branch Locations 38

ATM Locations 36

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.38%

Return on Assets (ROA)

0.5533%

Return on Equity (ROE)

6.0080%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

6,716,051,700

Total Amount of Shares and Deposits

5,815,484,634

Total Shares and Deposits < 1 Year

5,690,392,553

Total Shares and Deposits 1 3 Years

113,196,933

Total Shares and Deposits > 3 Years

11,895,149

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

559,165,556

Total Uninsured Shares and Deposits > $250K (F+J)

559,165,556

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,256,319,078

Total Interest Expense (Sum of items 6 8)

52,086,182

Share Certificates

33,194

Number of Accounts for Share Drafts

303,747

IRA KEOGH Accounts

8,462

Number of Accounts for Regular Shares

469,310

Money Market Shares

39,764

Net Income (unless the amount is already included in Undivided Earnings)

37,162,975

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

439,089,575

Total Liabilities

6,107,923,464

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

University of Wisconsin Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About University of Wisconsin Credit Union

Does University of Wisconsin Credit Union offer CDs?

Yes. University of Wisconsin Credit Union current CD rates include its 14 Month Specials CD at 4.25% APY, its CD - 14 month at 4.25% APY and its Specials CD - 14 month at 4.15% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from University of Wisconsin Credit Union NCUA insured?

Yes. University of Wisconsin Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at University of Wisconsin Credit Union?

The highest University of Wisconsin Credit Union CD rate is its 14 Month Specials CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does University of Wisconsin Credit Union offer?

University of Wisconsin Credit Union CD rates are 4.10% APY for a 7 month CD, 0.67% APY for a 12 month CD, 4.25% APY for a 14 month CD, 1.55% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with University of Wisconsin Credit Union for its full lineup.

What is the highest savings rate at University of Wisconsin Credit Union?

The highest University of Wisconsin Credit Union savings rate is its IRA Savings at 0.60% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at University of Wisconsin Credit Union?

The highest University of Wisconsin Credit Union money market rate is its Investor's Indexed Money Market Account at 3.29% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at University of Wisconsin Credit Union?

The highest University of Wisconsin Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at University of Wisconsin Credit Union?

The lowest University of Wisconsin Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.125%, verified by MonitorBankRates as of October 29, 2026. University of Wisconsin Credit Union mortgage rates are 7.125% for a 30 year mortgage and 6.625% for a 15 year mortgage.

What is the lowest auto loan rate at University of Wisconsin Credit Union?

The lowest University of Wisconsin Credit Union auto loan rate is its New Auto Loan - 48 Months at 5.47% APR, verified by MonitorBankRates as of October 29, 2026. University of Wisconsin Credit Union auto loan rates are 5.47% APR for a 36 month auto loan, 5.47% APR for a 48 month auto loan, 5.77% APR for a 60 month auto loan, 5.92% APR for a 72 month auto loan and 6.88% APR for an 84 month auto loan.

What is the lowest personal loan rate at University of Wisconsin Credit Union?

The lowest University of Wisconsin Credit Union personal loan rate is its Personal Loans - 36 Months at 8.48% APR, verified by MonitorBankRates as of October 29, 2026. University of Wisconsin Credit Union personal loan rates are 8.48% APR for a 36 month personal loan, 9.48% APR for a 48 month personal loan, 11.48% APR for a 60 month personal loan and 12.48% APR for a 72 month personal loan.

What is the lowest credit card APR at University of Wisconsin Credit Union?

The lowest University of Wisconsin Credit Union credit card APR is its Visa Credit Card at 12.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does University of Wisconsin Credit Union operate?

University of Wisconsin Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join University of Wisconsin Credit Union?

Yes, to access services at University of Wisconsin Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, University of Wisconsin Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, University of Wisconsin Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does University of Wisconsin Credit Union offer online and mobile banking?

Most modern institutions like University of Wisconsin Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.uwcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do University of Wisconsin Credit Union rates compare?

University of Wisconsin Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. University of Wisconsin Credit Union's top rates are its 14 Month Specials CD at 4.25% APY, its IRA Savings at 0.60% APY, its Investor's Indexed Money Market Account at 3.29% APY, its Checking at 0.10% APY, its 3yr/6mo ARM at 6.125%, its Personal Loans - 36 Months at 8.48% APR and its Visa Credit Card at 12.90% APR, verified by MonitorBankRates on October 29, 2026.

Current University of Wisconsin Credit Union Rates

12-Month CD0.67%
18-Month CD1.55%
24-Month CD3.25%
60-Month CD3.25%
Savings0.60%
MMA3.29%

Retrieved from our database of financial products. Rates subject to change.

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University of Wisconsin Credit Union Rates & Review November 2026

Brian McKay

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University of Wisconsin Credit Union Money Market Rates

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University of Wisconsin Credit Union Mortgage Rates

University of Wisconsin Credit Union Home Equity & HELOC

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Frequently Asked Questions About University of Wisconsin Credit Union

Does University of Wisconsin Credit Union offer CDs?

Are CDs from University of Wisconsin Credit Union NCUA insured?

What is the highest CD rate at University of Wisconsin Credit Union?

What CD terms does University of Wisconsin Credit Union offer?

What is the highest savings rate at University of Wisconsin Credit Union?

What is the highest money market rate at University of Wisconsin Credit Union?

What is the highest checking rate at University of Wisconsin Credit Union?

What is the lowest 30 year fixed mortgage rate at University of Wisconsin Credit Union?

What is the lowest auto loan rate at University of Wisconsin Credit Union?

What is the lowest personal loan rate at University of Wisconsin Credit Union?

What is the lowest credit card APR at University of Wisconsin Credit Union?

How many branches does University of Wisconsin Credit Union operate?

Is a member application needed to join University of Wisconsin Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does University of Wisconsin Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do University of Wisconsin Credit Union rates compare?

Current University of Wisconsin Credit Union Rates

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