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Wisconsin Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Wisconsin CD rates include CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 3.23%Real return: +3.20%APY minus CPI (February 2026) offering 12 Month Youth Saver Certificate at 6.00% APY, Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.66%Real return: +2.70%APY minus CPI (February 2026) offering Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate) at 5.50% APY, 1st Community Credit Union1st Community Credit Union1000 W Wisconsin St, Sparta, WI 54656 2230A+5.0 ★Texas Ratio: 5.84%Real return: +2.33%APY minus CPI (February 2026) offering 36-MONTH TEEN CERTIFICATE SPECIAL at 5.13% APY, Northwoods Community Credit UnionNorthwoods Community Credit Union1224 4th Ave S, Park Falls, WI 54552 1923A+5.0 ★Texas Ratio: 3.38%Real return: +2.26%APY minus CPI (February 2026) offering 6 Month Youth share certificate at 5.06% APY, and The District Federal Credit UnionThe District Federal Credit Union255 Fiserv Dr, Brookfield, WI 53045 5815A5.0 ★Texas Ratio: 7.87%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month ROTH IRA Term Certificate at 5.00% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Wisconsin side-by-side. Wisconsin CD rates currently reach as high as 6.00% APY from CO-OP Credit Union at 100 E Main St, Black River Falls, WI 54615. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Wisconsin
Wisconsin 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposit
$1,000
4.21%
▲ 2.15% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.15% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
3 Month Jumbo Share or IRA Certificate
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.84% above avg
Details
Term: 3 Month (No IRA Available)
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.54% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
255 Fiserv Dr, Brookfield, WI 53045
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Earn Up To 3.60%
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
90 Day Certificate of Deposit (CDs)
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.50% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
IRA Certificates - 90 Day
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.50% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$100,000
3.45%
▲ 1.39% above national avg
▼
Rate3.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.39% above avg
Details
Balance: $100,000 and higher; Interest Credited: At Maturity
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate - 3 Month
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
No IRA Available
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1610 Janesville Ave, Fort Atkinson, WI 53538
3 Month Certificate
$0
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.13% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$25,000
3.15%
▲ 1.09% above national avg
▼
Rate3.11%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.09% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: At Maturity
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 3 Month
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$1,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.99% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: At Maturity
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1117 S 10th St, Manitowoc, WI 54220 5211
3 Month Share Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
3 Month Certificate
$2,500
2.85%
▲ 0.79% above national avg
▼
Rate2.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.79% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
255 Fiserv Dr, Brookfield, WI 53045 5815
3 Month Share Certificate
$500
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
Regular - 3 Month
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
Certificates with $250,000 Minimum
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 3 Months
$1,000
2.83%
▲ 0.77% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.77% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
Regular - 3 Month
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details
Certificates with $10,000 Minimum
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 3 Month
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$500
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3500 University Ave, Madison, WI 53705
Regular - 3 Month
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
106 E John St, Jefferson, WI 53549 2039
90 Day Share Certificate
$1,000
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.46% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
3-month CD
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
112 ALFRED ST, ATHENS, WI 54411
3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40%
▲ 0.34% above national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.34% above avg
Details
Term: 3-Month, 6-Month, 9 Month
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
3 Month CD
$10,000
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details
Wisconsin 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Youth share certificate
$100
5.06%
▲ 2.29% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.29% above avg
Details
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
8348 Corporate Dr, Mount Pleasant, WI 53406 3759
6 Month LOYALTY CERTIFICATE PROMO
$0
4.59%
▲ 1.82% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.82% above avg
Details
Qualifications Required; Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
255 Fiserv Dr, Brookfield, WI 53045 5815
6 Month Share Certificate
$500
4.50%
▲ 1.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
6 Month Certificate of Deposit
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.63% above avg
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Balance: $500 - $9,999.99
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
6 Month Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI 53718 7982
6 Month Certificate of Deposit (CD)
$0
4.18%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.41% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1117 S 10th St, Manitowoc, WI 54220 5211
6 Month Share Certificate
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
6 Month Jumbo Share or IRA Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Term: 6 Month (No IRA Available)
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1501 S 10th Ave, Fort McCoy, WI 54656 5115
6 Month Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Bank of Luxemburg
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
630 Main St, Luxemburg, WI 54217
6 Month CD
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
6 Month Certificate
$2,500
3.90%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$100,000
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
6 Month CD
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
6-Month CD / IRA
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
6 Month Certificate
$1,000
3.86%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1015 Marquette Ave, South Milwaukee, WI 53172
6 Month Fixed Rate Special
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
6 Month Certificate Special
$10,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.05% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
6 Month Special Certificate of Deposit
$10,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.05% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 6 months
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $100,000+
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1910 South Ave, La Crosse, WI 54601
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
WCCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
501 N Main St, WESTBY, WI 54667
6 Month Share & IRA Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
IRA Certificates require $1000 Minimum and 1 Year Minimum
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
6 Month Certificate of Deposit (CDs)
$1,000
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.00% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
IRA Certificates - 6 Month
$1,000
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.00% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
6 Month CD/IRA
$2,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
255 Fiserv Dr, Brookfield, WI 53045 5815
Share Certificate - 6 months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 6 months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $25,000.00 - $49,999.99
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$25,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 6 months
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $10,000.00 - $24,999.99
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
535 Dettloff Dr, Arcadia, WI 54612 1737
6 Month Certificate
$2,000
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividend Compounded: At Maturity; Dividend Added: At Maturity
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
535 Dettloff Dr, Arcadia, WI 54612 1737
6 Month Share Certificate
$500
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividends Compounded: At Maturity; Dividend Added: At Maturity
WCCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
501 N Main St, WESTBY, WI 54667
6 Month Share & IRA Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
IRA Certificates require $1000 Minimum and 1 Year Minimum
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
100 E 1st St, Gillett, WI 54124
6-Month CD
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $100,000 and over
AbbyBank
Institution Rating:
A5.0 ★Texas Ratio: 12.32%
801 Main St, Gresham, WI 54128
6 Month Certificates of Deposits
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 6 months
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000.00 - $9,999.99
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $50,000 to $99,999.99
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
6 Month CD SPECIAL
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
6 Month Share Certificates
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
6-month CD
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $10,000 to $49,999.99
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
124 S 2nd St, River Falls, WI 54022
6 Month Certificates of Deposit
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Certificate of Deposit Accounts (CD) - 6 months
$250,000
3.52%
▲ 0.75% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.75% above avg
Details
Balance: $250,000.00 to $499,999.99
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Individual Retirement Accounts (IRA) - 6 months
$250,000
3.52%
▲ 0.75% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.75% above avg
Details
Balance: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding Method: Simple
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 6 Month
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Wisconsin 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
100 E Main St, Black River Falls, WI 54615
12 Month Youth Saver Certificate
$0
6.00%
▲ 3.05% above national avg
▼
Rate5.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 3.05% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$0
5.50%
▲ 2.55% above national avg
▼
Rate5.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.55% above avg
Details
Age: 13-17
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
255 Fiserv Dr, Brookfield, WI 53045 5815
12 Month ROTH IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
255 Fiserv Dr, Brookfield, WI 53045 5815
12 Month Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
255 Fiserv Dr, Brookfield, WI 53045 5815
12 Month Traditional IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
12 Month Certificate of Deposit
$0
4.63%
▲ 1.68% above national avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.68% above avg
Details
Balance: $35,000+
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
12 Month Certificate
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
12 Month Certificate
$0
4.40%
▲ 1.45% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.45% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12 Month Certificate
$100
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.38% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$100,000
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.38% above avg
Details
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
124 W Oak St, Sparta, WI 54656
12 Month CD Special
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.35% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
12 Month Certificate
$0
4.30%
▲ 1.35% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.35% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI 53718 7982
12 Month Certificate of Deposit (CD)
$0
4.29%
▲ 1.34% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.34% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
12 Month Certificate of Deposit
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.30% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
12 Month CD/IRA
$2,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.30% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1910 South Ave, La Crosse, WI 54601
Youngster (Age 0-12) - 12 Month Term (Deposit Certificate)
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Age: 0-12
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
12 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 12 Months
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificates and IRA Certificates - 12 Months
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
First Community Credit Union of Beloit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1702 Park Ave, Beloit, WI 53511
12 Month Dream Seeker Share Certificate
$25
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
New Money Only. Dividends may be compounded quarterly or transferred monthly to your FirstCCU savings or checking account.
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12 Month Certificate
$500
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.23% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.23% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 1 Year
$100,000
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
12 Month Jumbo Share or IRA Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
12 Month Certificate Special
$10,000
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.12% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
12 Month Special Certificate of Deposit
$10,000
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.12% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 1 year
$0
4.03%
▲ 1.08% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.08% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 1 year
$0
4.03%
▲ 1.08% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.08% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
12 mo Certificate of Deposit
$500
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.07% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
1200 S Main St, Holmen, WI 54636
1 Year Certificate of Deposit
$0
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details
Minimum Daily Balance of $10,000 or More to Earn Annual Percentage Yield
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3227 Schneider Ave SE, Menomonie, WI 54751
12 Month Share Certificates
$0
4.01%
▲ 1.06% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.06% above avg
Details
Compounded: Monthly
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000 and over
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000 and over
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
12 Month Fixed Rate IRA Promotional Certificates of Deposit
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
12 Month Promotional Certificates of Deposit
$5,000
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
Fixed Rate IRA Promotional Certificates of Deposit - 12 Month
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
12 Month Certificate Special
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
12 Month IRA Certificate Special
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
12 Month (Moneywise Available) Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Term: 12 Month (Moneywise Available)
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
12 Month CD
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: $50,000 to $99,999.99
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: $50,000 to $99,999.99
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
1 Year IRA Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.00% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
IRA Certificates - 1 Year
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.00% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
12 Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
12-Month CD / IRA
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
12 mo Certificate of Deposit
$500
3.95%
▲ 1.00% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
Interest Will Be Credited: At Maturity; Opening Balance: Under $10,000
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1500 W American Dr, Neenah, WI 54956
12 Month CD Certificate
$0
3.94%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.99% above avg
Details
Wisconsin 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
255 Fiserv Dr, Brookfield, WI 53045 5815
18 Month Term Certificate
$0
5.00%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 2.18% above avg
Details
Penalty for early withdrawal: 180 days dividends
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84%
▲ 2.02% above national avg
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 2.02% above avg
Details
Interest Will Be Credited: Quarterly; Fixed Rate or Variable Rate***: Variable
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI 53718 7982
18 Month Certificate of Deposit (CD)
$0
4.41%
▲ 1.59% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.59% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
18 Month Certificate
$0
4.40%
▲ 1.58% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.58% above avg
Details
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month IRA Certificates
$0
4.34%
▲ 1.52% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.52% above avg
Details
Term: 18 Month Variable Rate IRA; Compounded: Daily
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
18 Month Certificate of Deposit
$500
4.30%
▲ 1.48% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.48% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
18 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 18 Months
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificate Special - 18 Months
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificates and IRA Certificates - 18 Months
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Special 18 Months
$100
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
110 McIndoe St, Wausau, WI 54403 4742
18-Month Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 18 months
$0
4.13%
▲ 1.31% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.31% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 18 months
$0
4.13%
▲ 1.31% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.31% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
18 Month Jumbo Share or IRA Certificate
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
18 Month Certificate
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.20% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
18-Month Traditional/Roth IRA CD
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.20% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - CD SPECIAL 9 & 18 months
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
CD SPECIAL
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
100 E Main St, Black River Falls, WI 54615
IRA Certificate - 18 month
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month Certificate of Deposit
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.08% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month IRA
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.08% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
100 E Main St, Black River Falls, WI 54615
18 Month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 18 Month
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1910 South Ave, La Crosse, WI 54601
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1677 S Webster Ave, Green Bay, WI 54301
18 Months Share/IRA Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Balance: $1,000.00
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 18 Months
$500
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.84% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
255 Fiserv Dr, Brookfield, WI 53045
18-month CD Rate
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.84% above avg
Details
Compounding/Posted: Monthly/Monthly
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
18-month CD
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
18 Month Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
18 Month IRA Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
2020 Innovation Ct, Green Bay, WI 54344 0001
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
2020 Innovation Ct, Green Bay, WI 54344 0001
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
345 W Pine St, Platteville, WI 53818
18 Month IRA Certificate Special
$500
3.63%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.81% above avg
Details
Interest Rate $10,000 and Over
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
18 Month CD SPECIAL
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
18 Month Share Certificates
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 18 months
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate - 18 Month
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 1/2 Year CD (18 Month)
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Term: 1 1/2 Year (18 Month)
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 1/2 Year IRA (18 Month)
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Term: 1 1/2 Year (18 Month)
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
201 Regal Dr, Fredonia, WI 53021
18-Month CD
$1,000
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.74% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
CD Specials - 18 months
$5,000
3.55%
▲ 0.73% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $5,000.00 - $99,999.99
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
IRA CD Specials - 18 month
$300
3.55%
▲ 0.73% above national avg
▼
Rate3.54%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $300.00 to $99,999.99
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.73% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
345 W Pine St, Platteville, WI 53818
18 Month IRA Certificate Special
$500
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.71% above avg
Details
Interest Rate Under $10,000
Wisconsin 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
5325 Wall St Ste D, Madison, WI 53718 7982
24 Month Certificate of Deposit (CD)
$0
4.52%
▲ 1.68% above national avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.68% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
24 Month CD/IRA
$2,000
4.50%
▲ 1.66% above national avg
▼
Rate4.43%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.66% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
2 Year Certificate
$0
4.40%
▲ 1.56% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.56% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
2 Year CD
$1,000
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.56% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
2-Year CD / IRA
$1,000
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.56% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
2-Year Choice Plus CD / IRA
$10,000
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.56% above avg
Details
1 time rate bump. Additions of $500 or more at any time.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
2 Year Certificate of Deposit
$500
4.35%
▲ 1.51% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.51% above avg
Details
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
109 W 2nd St, Kaukauna, WI 54130
24 Month CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.41% above avg
Details
Renews to 30 mo
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
110 McIndoe St, Wausau, WI 54403 4742
24-Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 2 years
$0
4.24%
▲ 1.40% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.40% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 2 years
$0
4.24%
▲ 1.40% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.40% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
2 Year Jumbo Share or IRA Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
2 Year Certificate
$1,000
4.15%
▲ 1.31% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.31% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
24 mo Certificate of Deposit
$500
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.29% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$100,000
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate of Deposit
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $35,000+
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
24 mo Certificate of Deposit
$500
4.05%
▲ 1.21% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.21% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
24 Month Share Certificates and IRA Certificates
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.17% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
2 Year Certificate of Deposit
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.16% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
2 Year IRA
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.16% above avg
Details
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
103 N Main St, Brillion, WI 54110
24-Month Fixed Rate CD Special
$2,500
4.00%
▲ 1.16% above national avg
▼
Rate3.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
8348 Corporate Dr, Mount Pleasant, WI 53406
24-Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500.00 minimum
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
25 Belknap St, Superior, WI 54880
24 Month Share Certificate Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24 Month Certificate
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
24 Month Certificate of Deposit
$2,500
3.93%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.09% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
Certificates of Deposits/IRAs - 24 Month
$2,500
3.93%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.09% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$25,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 24 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
2-year Share Certificate
$5,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
255 Fiserv Dr, Brookfield, WI 53045
2-year CD Rate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.97% above avg
Details
Compounding/Posted: Monthly/Monthly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24 Month Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 2 years
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $100,000+
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3227 Schneider Ave SE, Menomonie, WI 54751
24 Month Share Certificates
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.92% above avg
Details
Compounded: Monthly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 2 years
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $25,000.00 - $49,999.99
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
24 Month Share Certificates and IRA Certificates
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 24 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
940 N Superior Ave, Tomah, WI 54660
Share Certificates and IRA Certificates - 24 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 24 Months
$500
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.87% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $10,000 - $34,999.99
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Months Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $10,000 - $34,999.99
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
555 Park Ave, Prairie Du Sac, WI 53578
2 Year CD
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
555 Park Ave, Prairie Du Sac, WI 53578
2 Year Graduation CD
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Wisconsin 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1000 W Wisconsin St, Sparta, WI 54656 2230
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13%
▲ 2.37% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 2.37% above avg
Details
FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
36 Month HSA Certificate of Deposit
$2,500
4.45%
▲ 1.69% above national avg
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.69% above avg
Details
Certificate of Deposits, IRAs, and HSA**5
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
HSA 36 Month Certificate
$2,500
4.45%
▲ 1.69% above national avg
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.69% above avg
Details
Certificate of Deposits, IRAs, and HSA**5
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
3 Year Certificate
$0
4.40%
▲ 1.64% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.39%
▲ 1.63% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.63% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.54% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
3 Year Certificate of Deposit
$500
4.27%
▲ 1.51% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.51% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
3 Year Jumbo Share or IRA Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$100,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.34% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3 Year CD
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3-Year CD / IRA
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month IRA CD
$1,000
3.94%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.18% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$25,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month CD
$1,000
3.89%
▲ 1.13% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.13% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month HSA CD
$1,000
3.89%
▲ 1.13% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.13% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1677 S Webster Ave, Green Bay, WI 54301
36 Months Share/IRA Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $1,000.00
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
3-year Share Certificate
$5,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
255 Fiserv Dr, Brookfield, WI 53045
3-year CD Rate
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.05% above avg
Details
Compounding/Posted: Monthly/Monthly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $35,000+
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Certificate of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $30,000 and over
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 3 years
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $100,000+
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
36 Month Share Certificates and IRA Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
3 Year Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
3 Year IRA Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1500 W American Dr, Neenah, WI 54956
36 Month Certificate of Deposit
$0
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.03% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 36 Months
$500
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.00% above avg
Details
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
555 Park Ave, Prairie Du Sac, WI 53578
3 Year CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
555 Park Ave, Prairie Du Sac, WI 53578
3 Year Graduation CD
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
555 Park Ave, Prairie Du Sac, WI 53578
3 Year IRA
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36 Month Certificate
$50,000
3.75%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36-Month Traditional/Roth IRA CD
$50,000
3.75%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 3 years
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $25,000.00 - $49,999.99
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
601 Willard Dr, Green Bay, WI 54304
30, 36 Month Share Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
36 Month Bump-Up IRA Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
$5,000 new money.
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
36 Month Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
36 Month IRA Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate - 3 Year
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 36 Month
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year Certificate of Deposit
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year IRA
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate of Deposit
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000 - $34,999.99
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Months Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000 - $34,999.99
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Certificate of Deposit
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000 - $29,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 3 years
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000.00 - $24,999.99
Wisconsin 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Year Certificate
$0
4.40%
▲ 1.63% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.63% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
4 Year Jumbo Share or IRA Certificate
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$100,000
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.38% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
4 Year CD
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
4-Year CD / IRA
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month IRA CD
$1,000
3.99%
▲ 1.22% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.22% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$25,000
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month CD
$1,000
3.94%
▲ 1.17% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.17% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month HSA CD
$1,000
3.94%
▲ 1.17% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.17% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1677 S Webster Ave, Green Bay, WI 54301
48 Months Share/IRA Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Balance: $1,000.00
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
4 Year IRA CD
$25,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.08% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
48 Month Certificate
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
48 Month IRA Certificate
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
601 Willard Dr, Green Bay, WI 54304
48 Month Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
106 E John St, Jefferson, WI 53549 2039
48 Month Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate - 4 Year
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 48 Months
$500
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.99% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48 Month Certificate
$50,000
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 48 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000 and over
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year IRA
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 4 years
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000.00+
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
106 E John St, Jefferson, WI 53549 2039
48 Month - Traditional or Roth IRA Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $50,000 to $99,999.99
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Term Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividend Paid: Quarterly
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1610 Janesville Ave, Fort Atkinson, WI 53538
48 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
48-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $10,000 to $49,999.99
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
48 Month Share Certificates and IRA Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4830 N Ballard Rd, Appleton, WI 54913
4 Year Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield. Rates subject to change without notice. Dividends are compounded monthly. Fees may reduce earnings.
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48 Month Certificate
$500
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
4 Year CD
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
103 N Main St, Brillion, WI 54110
4 Year Certificate
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
48 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
4 Year CD
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
525 5th Ave S, La Crosse, WI 54601 4563
4 Year Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Marathon County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
400 E THOMAS ST, WAUSAU, WI 54403
48 Month IRA & Term Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $10,000 Minimum Balance; Balance: $10,000 Minimum Balance
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3000 80th St, Kenosha, WI 53142
48 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3000 80th St, Kenosha, WI 53142
Traditional IRA/Roth IRA Term Share Certificates - 48 Months
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
201 E Lake ST, Horicon, WI 53032 1240
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Wisconsin 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1000 W Wisconsin St, Sparta, WI 54656 2230
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60%
▲ 1.76% above national avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.76% above avg
Details
FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.54%
▲ 1.70% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.70% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1610 Janesville Ave, Fort Atkinson, WI 53538
60 Month Certificate
$0
4.47%
▲ 1.63% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.63% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.45%
▲ 1.61% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.61% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
5 Year Certificate
$0
4.40%
▲ 1.56% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.56% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
5 Year Jumbo Share or IRA Certificate
$0
4.40%
▲ 1.56% above national avg
▼
Rate4.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.56% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 60 Month
$0
4.35%
▲ 1.51% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$100,000
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month IRA CD
$1,000
4.09%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.25% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1677 S Webster Ave, Green Bay, WI 54301
60 Months Share/IRA Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $1,000.00
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$25,000
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.21% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month CD
$1,000
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month HSA CD
$1,000
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
5 Year CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
5-Year CD / IRA
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
5 Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
5 Year IRA Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
25 Belknap St, Superior, WI 54880
60 Month IRA Share Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
25 Belknap St, Superior, WI 54880
60 Month Share Certificates
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
60 Month Certificate
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
60 Month IRA Certificate
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
601 Willard Dr, Green Bay, WI 54304
60 Month Share Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate - 5 Year
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
Fixed Rate Certificates of Deposit - 60 Months
$500
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 60 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
60 Month Share Certificates and IRA Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
60 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
255 Fiserv Dr, Brookfield, WI 53045
5-year CD Rate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.97% above avg
Details
Compounding/Posted: Monthly/Monthly
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year Certificate of Deposit
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year IRA
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Share Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Term Share Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Dividend Paid: Quarterly
Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4830 N Ballard Rd, Appleton, WI 54913
5 Year Share Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield. Rates subject to change without notice. Dividends are compounded monthly. Fees may reduce earnings.
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1500 W American Dr, Neenah, WI 54956
60 Month Certificate of Deposit
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.95% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
60-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.92% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
5 Year CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $100,000 and over
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
103 N Main St, Brillion, WI 54110
5 Year Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3000 80th St, Kenosha, WI 53142
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3000 80th St, Kenosha, WI 53142
Traditional IRA/Roth IRA Term Share Certificates - 60 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6715 Green Bay Rd, Kenosha, WI 53142 1425
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
5 Year CD
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $50,000 to $99,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
605 West Ave S, La Crosse, WI 54601
Certificates 5 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $1,000.00+
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
60-month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $10,000 to $49,999.99
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
1040 N Main St, Sheboygan Falls, WI 53085
5 Year Share Certificate
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Wisconsin CD Rate Trends
Compare local Wisconsin CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD WI Avg
2.952%
▲ 0.030 vs 7 days ago
Wisconsin 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD WI Avg
2.767%
▲ 0.021 vs 7 days ago
Wisconsin 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WI CD Rate Forecast, Next 12 Months
Where are Wisconsin CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WI 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
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What Your Savings Earn at WI CD Rates Today
Annual interest earnings at today’s Wisconsin average APYs. State average used where available; national average as fallback.
| CD Term | WI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for Wisconsin Savers
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Wisconsin average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,950
CD Rates
Tracked in Wisconsin
Tracked in Wisconsin
53 Banks
69 Credit Unions
About Our Wisconsin CD Rate Database
MonitorBankRates tracks 1,950 CD rates from 53 banks and 69 credit unions with locations in Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: CO-OP Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wisconsin.
How to Find the Best CD Rates in Wisconsin
What to compare when shopping for a CD in Wisconsin
To find the best APYs in Wisconsin, start with credit unions and online-only banks: Wisconsin has 69 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Wisconsin
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Wisconsin: 122 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Wisconsin savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Wisconsin money market rates
Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$46,667
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$138/yr
At WI 12-mo avg 2.952% APY
18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.2% reflects a strong local economy. At today’s WI 12-month CD average of 2.952%, saving 10% of the local median salary ($4,666/year) and putting it in a CD would earn an additional $138 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Wisconsin
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Wisconsin
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Wisconsin typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Wisconsin as everywhere in the U.S.
Choosing a CD Term in Wisconsin
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wisconsin savers easier access to their funds. For example, Northwoods Community Credit Union is offering its 6 Month Youth share certificate at 5.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 1st Community Credit Union is offering its 60-MONTH YOUTH CERTIFICATE SPECIAL at 4.60% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Wisconsin Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Wisconsin saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Wisconsin
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Wisconsin CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wisconsin depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Wisconsin
Are CD rates in Wisconsin FDIC insured?
Yes, most established banks in Wisconsin are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Wisconsin?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Wisconsin.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Wisconsin may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Wisconsin?
Here are recent top rates found for this area:
- CO-OP Credit Union: 6.00% APY (12 Month Youth Saver Certificate)
- Gundersen Credit Union: 5.50% APY (Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate))
- 1st Community Credit Union: 5.13% APY (36-MONTH TEEN CERTIFICATE SPECIAL)
- Northwoods Community Credit Union: 5.06% APY (6 Month Youth share certificate)
- The District Federal Credit Union: 5.00% APY (12 Month ROTH IRA Term Certificate)
- State Bank of Newburg: 4.84% APY (18 mo Variable Rate IRA 18 mo Certificate of Deposit)
- PSB of Plainview: 4.63% APY (12 Month Certificate of Deposit)
- Midwest Family Federal Credit Union: 4.59% APY (6 Month LOYALTY CERTIFICATE PROMO)
- Capital Area Realtors Federal Credit Union: 4.52% APY (24 Month Certificate of Deposit (CD))
- The Bank of New Glarus: 4.50% APY (24 Month CD/IRA)
Rates reflect recent verified offers available in Wisconsin. Last Updated: September 21, 2026
Wisconsin CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Wisconsin
Wisconsin CD Calculator
At today’s WI top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
Wisconsin CD LadderWI CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wisconsin CD at 6.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWisconsin’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wisconsin CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Wisconsin directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Wisconsin. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026
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