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CD Rate Trends

Wisconsin Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Wisconsin CD rates range from 2.00% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Wisconsin CD rates include CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 5.54%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: 0.40%Real return: +2.70%APY minus CPI (February 2026) offering Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate) at 5.50% APY, Fort Community Credit UnionFort Community Credit Union1610 Janesville Ave, Fort Atkinson, WI 53538A5.0 ★Texas Ratio: 8.84%Real return: +2.35%APY minus CPI (February 2026) offering Certificates - 60-Month at 5.15% APY, 1st Community Credit Union1st Community Credit Union1000 W Wisconsin St, Sparta, WI 54656 2230A+5.0 ★Texas Ratio: 5.97%Real return: +2.33%APY minus CPI (February 2026) offering 36-Month Teen Certificate Special at 5.13% APY, and Northwoods Community Credit UnionNorthwoods Community Credit Union1224 4th Ave S, Park Falls, WI 54552 1923A+5.0 ★Texas Ratio: 2.66%Real return: +2.26%APY minus CPI (February 2026) offering 6 Month Youth Share Certificate at 5.06% APY. CD rates as of October 13, 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: October 13, 2026

Compare Best CD Rates in Wisconsin

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Wisconsin 3 Month CD Rates

MonitorBankRates Wisconsin Average · 3 Month CD1.54% APY▲ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Wisconsin is 1.54% APY, compared with 2.09% nationally, as of October 13, 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% ▲ 2.67% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 2.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 4.21% APY · checked 6 times
3.71%4.21%4.71%Sep 19, 2026: 4.21% APYSep 19, 2026Oct 13, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
255 Fiserv Dr, Brookfield, WI 53045
3 Month CD
$75,000
3.92% ▲ 2.38% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.38% above avgNationally 2.09%
Details

Minimum $75,000.00

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.92% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.92%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share Certificate (3 Month)
$10,000
3.90% ▲ 2.36% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 2.36% above avgNationally 2.09%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10 Keystone Pkwy, Platteville, WI 53818
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 2.31% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Wisconsin Average1.54%▲ 2.31% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
90 Day Option CD
$500
3.85% ▲ 2.31% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.31% above avgNationally 2.09%
Details

Special; Compounding: Quarterly; Can deposit or withdraw balance without penalty at each 90 day anniversary; $500 minimum balance must be maintained; aggregate deposits may not exceed $250,000; no institutional money

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
3 Month Certificate
$5,000
3.75% ▲ 2.21% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average1.54%▲ 2.21% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
255 Fiserv Dr, Brookfield, WI 53045
3 Month CD
$20,000
3.67% ▲ 2.13% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.13% above avgNationally 2.09%
Details

Minimum $20,000.00

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.67% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.67%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
3 Month CD
$0
3.60% ▲ 2.06% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.06% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
255 Fiserv Dr, Brookfield, WI 53045
3 Month CD
$0
3.60% ▲ 2.06% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.06% above avgNationally 2.09%
Details

Earn Up To

Rate History
3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20%
0.80%2.90%5.00%Sep 14, 2026: 2.20% APYSep 18, 2026: 3.60% APYSep 25, 2026: 2.20% APYOct 8, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.60%▲ from 2.20%
  • Sep 25, 20262.20%▼ from 3.60%
  • Sep 18, 20263.60%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
90 Day IRA Certificate
$1,000
3.56% ▲ 2.02% above Wisconsin avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 13, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
Certificate of Deposit (CDs) - 90 Day
$1,000
3.56% ▲ 2.02% above Wisconsin avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
3 Month CD
$10,000
3.50% ▲ 1.96% above Wisconsin avg
View
▼
Rate3.46%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.96% above avgNationally 2.09%
Details

A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
1.00%2.88%4.75%Sep 14, 2026: 2.25% APYOct 3, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.50%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month Certificate of Deposit
$100,000
3.45% ▲ 1.91% above Wisconsin avg
View
▼
Rate3.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.91% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 3-Month
$250
3.44% ▲ 1.90% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.90% above avgNationally 2.09%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 13, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
255 Fiserv Dr, Brookfield, WI 53045
3 Month CD
$500
3.41% ▲ 1.87% above Wisconsin avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.87% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Share Certificate (3 Month)
$1,000
3.40% ▲ 1.86% above Wisconsin avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.86% above avgNationally 2.09%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 3 Month
$0
3.25% ▲ 1.71% above Wisconsin avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.71% above avgNationally 2.09%
Details

Early withdrawal penalty: 90 days

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month Certificate of Deposit
$25,000
3.15% ▲ 1.61% above Wisconsin avg
View
▼
Rate3.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.61% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 8, 2026: 3.15% APYOct 8, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 3 Month
$0
3.05% ▲ 1.51% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 1.51% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month Certificate of Deposit
$1,000
3.05% ▲ 1.51% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.51% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 13, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
905 Center Ave, Oostburg, WI 53070
3-Month CD
$1,000
3.03% ▲ 1.49% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.49% above avgNationally 2.09%
Details

Rate History
1 change since Sep 27, 2026 · 1.61% → 3.03% ▲ 1.42 pts · high 3.03% / low 1.61%
0.19%2.32%4.45%Sep 27, 2026: 1.61% APYOct 7, 2026: 3.03% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.03%▲ from 1.61%
  • Sep 27, 20261.61%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
Certificate - 3 Month
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Effective October 13, 2026; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
Certificate Special - 3 Months
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Minimum balance $2,000; Early Withdrawal Penalty: 30 Days; Effective Date: October 13, 2026

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
Certificates - 3 Months
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 30 Days

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
3 Month Certificate
$2,500
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 19, 2026: 2.85% APYSep 19, 2026Oct 13, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
255 Fiserv Dr, Brookfield, WI 53045 5815
3 Month Share Certificate
$500
2.85% ▲ 1.31% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Dividends compounded and credited at maturity; Rates as of August 21, 2026

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month Regular Certificate
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 13, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
3 Month Fixed Rate Certificate of Deposit
$1,000
2.83% ▲ 1.29% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 7, 2026: 2.83% APYOct 7, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month Certificates - Regular
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs) with $10,000 Minimum

Rate History
No change since Oct 9, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 9, 2026: 2.80% APYOct 9, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 3 Month
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month Certificate - Regular
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
3 Month IRA Certificates
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3500 University Ave, Madison, WI 53705
IRA Certificates - 3 Months
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
124 S 2nd St, River Falls, WI 54022
3 Month Certificate
$500
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.41% → 2.52% ▲ 1.11 pts · high 2.52% / low 1.41%
0.30%1.96%3.63%Sep 14, 2026: 1.41% APYOct 7, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.52%▲ from 1.41%
  • Sep 14, 20261.41%first recorded
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
124 S 2nd St, River Falls, WI 54022
32 - 90 Days Certificate
$500
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
106 E John St, Jefferson, WI 53549 2039
Share Certificate - 90 Day
$1,000
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 13, 2026
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% ▲ 0.96% above Wisconsin avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
112 ALFRED ST, ATHENS, WI 54411
3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40% ▲ 0.86% above Wisconsin avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.86% above avgNationally 2.09%
Details

Interest calculated on daily balance and paid quarterly; Rates effective 5/8/2023

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
255 Fiserv Dr, Brookfield, WI 53045
3 month CD
$2,500
2.20% ▲ 0.66% above Wisconsin avg
View
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 0.66% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 2.20% → 2.20% ▼ 0.00 pts · high 3.60% / low 2.20%
0.80%2.90%5.00%Sep 14, 2026: 2.20% APYSep 18, 2026: 3.60% APYSep 25, 2026: 2.20% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.20%▼ from 3.60%
  • Sep 18, 20263.60%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2704 Lathrop Ave, Racine, WI 53405
3 Month Certificate of Deposit
$500
2.00% ▲ 0.46% above Wisconsin avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 0.46% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
90 Day Share Certificates and IRA Certificates
$100
2.00% ▲ 0.46% above Wisconsin avg
View
▼
Rate2.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.46% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 90 Day
$100
2.00% ▲ 0.46% above Wisconsin avg
View
▼
Rate2.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.46% above avgNationally 2.09%
Details

Minimum to open or earn dividends: $100; Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026

Wisconsin 6 Month CD Rates

MonitorBankRates Wisconsin Average · 6 Month CD2.40% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Wisconsin is 2.40% APY, compared with 2.78% nationally, as of October 13, 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: 2.66%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Youth Share Certificate
$100
5.06% ▲ 2.66% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.66% above avgNationally 2.78%
Details

Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 5.06% APY · checked 7 times
4.56%5.06%5.56%Sep 18, 2026: 5.06% APYSep 18, 2026Oct 13, 2026
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
8348 Corporate Dr, Mount Pleasant, WI 53406 3759
6 Month Loyalty Certificate Promo
$0
4.59% ▲ 2.19% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.19% above avgNationally 2.78%
Details

Qualifications Required; Checking and Savings account, Debit card, currently have Direct Deposit; money must be new to MWFFCU; APR column shown as 4.50%; Penalty for early withdrawal is loss of 90 days dividends

Rate History
No change since Sep 17, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 17, 2026: 4.59% APYSep 17, 2026Oct 13, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
255 Fiserv Dr, Brookfield, WI 53045 5815
6 Month Share Certificate
$500
4.50% ▲ 2.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.10% above avgNationally 2.78%
Details

Dividends compounded and credited at maturity; Rates as of August 21, 2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
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% ▲ 2.00% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 2.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 19, 2026: 4.40% APYSep 19, 2026Oct 13, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
Certificates of Deposits - 6 months
$1,000
4.30% ▲ 1.90% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.90% above avgNationally 2.78%
Details

Rates effective 09/24/2026; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
Jumbo Certificates and IRAs - 6 Months
$0
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 180 Days

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
5325 Wall St Ste D, Madison, WI 53718 7982
6 Month Certificate of Deposit (CD)
$0
4.18% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.78% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 21, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 21, 20264.18%first recorded
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
6 Month IRA Certificate
$0
4.11% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.71% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 1.51% → 4.11% ▲ 2.60 pts · high 4.11% / low 1.51%
0.00%3.36%6.71%Sep 14, 2026: 1.51% APYOct 7, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.11%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 6 Month
$0
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

Early withdrawal penalty: 90 days

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
6 Month Certificate
$500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 E 1st St, Gillett, WI 54124
6-MONTH CD
$2,500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
6-month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
Certificates of Deposit Special - 6 Month
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
6 Month IRA Certificate
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
Certificate of Deposit (CDs) - 6 Month
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Alliance Bank WI
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
245 S Eau Claire St, Mondovi, WI 54755
6 Month CD Special
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1015 Marquette Ave, South Milwaukee, WI 53172
6 Month Fixed Rate Special
$5,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month Certificate of Deposit
$100,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
6-Month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
6 Month Certificate
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Special; Certificates & IRAs; Compounding: At Maturity

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
6 Month Certificate Special
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Minimum Balance to Earn Dividends: $1,000; APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share Certificate (6 Month)
$10,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6715 Green Bay Rd, Kenosha, WI 53142 1425
6 Month Certificate
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
1501 S 10th Ave, Fort McCoy, WI 54656 5115
6 Month Share Certificate
$0
3.92% ▲ 1.52% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.52% above avgNationally 2.78%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 13, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
6 Month Certificate
$2,500
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 13, 2026
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
6 Month CD
$0
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
6-Month CD / IRA
$500
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.46% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.46% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.42% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
255 Fiserv Dr, Brookfield, WI 53045
6 Month CD
$75,000
3.82% ▲ 1.42% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.78%
Details

Minimum $75,000.00

Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 25, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month Certificate of Deposit
$25,000
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Certificates - 6 Months
$1,000
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Dividends compounded quarterly; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
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% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
6 Month CD
$5,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.75% ▲ 1.25 pts · high 3.75% / low 2.50%
1.25%3.13%5.00%Sep 14, 2026: 2.50% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
255 Fiserv Dr, Brookfield, WI 53045 5815
Share Certificates - 6 months
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
W178n9358 Water Tower Pl, Menomonee Falls, WI 53051
6-Month CD
$0
3.75% ▲ 1.35% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
W178n9358 Water Tower Pl, Menomonee Falls, WI 53051
6-Month Term
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month Certificate of Deposit
$1,000
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
535 Dettloff Dr, Arcadia, WI 54612 1737
6 Month Share Certificate
$0
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Dividends Compounded: At Maturity; Dividend Added: At Maturity

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
535 Dettloff Dr, Arcadia, WI 54612 1737
Share Certificate - 6 Months
$500
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Dividends Compounded: At Maturity; Dividend Added: At Maturity

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
535 Dettloff Dr, Arcadia, WI 54612 1737
Share Certificate 6 Month
$0
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Dividends Compounded: At Maturity; Dividend Added: At Maturity

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1700 Sherman St, Wausau, WI 54401 5763
6 Month Certificate
$1,000
3.67% ▲ 1.27% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 6, 2026
Wisconsin Average2.40%▲ 1.27% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.67% APY · checked 3 times
3.17%3.67%4.17%Sep 30, 2026: 3.67% APYSep 30, 2026Oct 13, 2026
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% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.40%▲ 1.25% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
AbbyBank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
801 Main St, Gresham, WI 54128
6 Month Certificate
$0
3.65% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.25% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.65% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.25% above avgNationally 2.78%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026

Wisconsin 12 Month CD Rates

MonitorBankRates Wisconsin Average · 12 Month CD2.80% APY▼ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Wisconsin is 2.80% APY, compared with 2.99% nationally, as of October 13, 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: 5.54%
100 E Main St, Black River Falls, WI 54615
12 Month Youth Saver Certificate
$100
6.00% ▲ 3.20% above Wisconsin avg
View
▼
Rate5.87%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 3.20% above avgNationally 2.99%
Details

Youth certificate; $100 minimum, $3,000 maximum

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50% ▲ 2.70% above Wisconsin avg
View
▼
Rate5.39%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 2.70% above avgNationally 2.99%
Details

Ages: 13-17; Additional deposits not permitted; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
12 Month Certificate
$0
4.63% ▲ 1.83% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.83% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.79% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 12-Month
$100,000
4.59% ▲ 1.79% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Min balance tier: $100.000.00 (as printed)

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month CD Special
$1,000
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Penalties for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month IRA Certificates
$500
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

CD SPECIAL

Rate History
1 change since Sep 22, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 22, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 22, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - CD Special 12 months
$500
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
Jumbo Certificates and IRAs - 12 Months
$0
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 270 Days

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$500
4.44% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 12-Month
$500
4.44% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
12 Month Certificate
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
12 Month Open Certificate Account
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
12-month CD
$1,000
4.35% ▲ 1.55% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
IRA Certificates - 12 month
$1,000
4.35% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.99%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
6 Insight Dr, Platteville, WI 53818
12 Month Certificate
$0
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
124 W Oak St, Sparta, WI 54656
12 Month CD & IRA
$1,000
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
12 Month Certificate
$0
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
12 Month Share Certificate
$100
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
Business Certificates - 12 month
$100
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
12 Month Certificate
$500
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 E 1st St, Gillett, WI 54124
12-MONTH CD
$500
4.30% ▲ 1.50% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
5325 Wall St Ste D, Madison, WI 53718 7982
12 Month Certificate of Deposit (CD)
$0
4.29% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.49% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 21, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
3.75%4.27%4.79%Sep 21, 2026: 4.29% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.29% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.29%▲ from 4.25%
  • Oct 5, 20264.25%▼ from 4.29%
  • Sep 21, 20264.29%first recorded
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% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
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% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Youngster (Age 0-12) - 12 Month Term (Deposit Certificate)
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Ages: 0-12; Additional deposits not permitted; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
12 Month Share Certificates and IRA Certificates
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 12 Months
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Minimum to open or earn dividends: $100; Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 1 year
$0
4.24% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.44% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.24% ▲ 0.21 pts · high 4.24% / low 4.03%
3.53%4.14%4.74%Sep 14, 2026: 4.03% APYOct 13, 2026: 4.24% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.24%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 1 year
$0
4.24% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.44% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.24% ▲ 0.21 pts · high 4.24% / low 4.03%
3.53%4.14%4.74%Sep 14, 2026: 4.03% APYOct 13, 2026: 4.24% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.24%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 1 Year Certificate of Deposit
$100,000
4.20% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.80%▲ 1.40% above avgNationally 2.99%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
2.17%3.66%5.14%Sep 14, 2026: 3.16% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
12 Month Certificate Special
$2,500
4.10% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 7, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
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
4.10% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 7, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 12-month IRA
$0
4.10% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (12 Month)
$10,000
4.10% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 13, 2026
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% ▲ 1.27% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.27% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
109 E 2nd St, New Richmond, WI 54017
1 Year Certificate of Deposit Options
$250
4.06% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 29, 2026: 4.06% APYSep 29, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
12 Month Jumbo Certificates
$0
4.05% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.25% above avgNationally 2.99%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
2.05%3.55%5.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
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% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.80%▲ 1.22% above avgNationally 2.99%
Details

Opening Balance: $10,000 or above; Interest credited Monthly; Fixed

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1200 S Main St, Holmen, WI 54636
1 Year Certificate of Deposit
$0
4.01% ▲ 1.21% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.21% above avgNationally 2.99%
Details

Minimum Daily Balance of $10,000 or More to Earn Annual Percentage Yield

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
12 Month - Gold MVP Level
$0
4.01% ▲ 1.21% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.21% above avgNationally 2.99%
Details

Compounded: Monthly; MVP Level: Gold

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 12 Month
$0
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
5990 Us Highway 51, Mc Farland, WI 53558
1 Year Certificate (Promo)
$10,000
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
Certificates of Deposit Special - 12 Month
$500
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
AbbyBank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
801 Main St, Gresham, WI 54128
12 Month Certificate
$0
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
1 Year Certificate of Deposit
$500
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 19, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
1 Year IRA
$0
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
12 Month Fixed Rate IRA Promotional Certificate of Deposit
$2,500
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Balance: $2,500.00 - $2,500.00

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026

Wisconsin 18 Month CD Rates

MonitorBankRates Wisconsin Average · 18 Month CD2.80% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Wisconsin is 2.80% APY, compared with 2.87% nationally, as of October 13, 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
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
$500
4.84% ▲ 2.04% above Wisconsin avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.80%▲ 2.04% above avgNationally 2.87%
Details

18 mo Certificate of Deposit; Interest credited Quarterly; Variable

Rate History
No change since Oct 12, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 12, 2026: 4.84% APYOct 12, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
IRA Certificates - 18 month
$1,000
4.75% ▲ 1.95% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.95% above avgNationally 2.87%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 13, 2026: 4.75% APYOct 13, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
18 Month Share Certificate
$100
4.70% ▲ 1.90% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
Business Certificates - 18 month
$100
4.70% ▲ 1.90% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.90% above avgNationally 2.87%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 18-Month
$500
4.49% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA - Basic MVP Level
$0
4.49% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.69% above avgNationally 2.87%
Details

Compounded: Daily; MVP Level: Basic

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 13, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA - Gold MVP Level
$0
4.49% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.69% above avgNationally 2.87%
Details

Compounded: Daily; MVP Level: Gold

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 13, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA - Silver MVP Level
$0
4.49% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.69% above avgNationally 2.87%
Details

Compounded: Daily; MVP Level: Silver

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
5325 Wall St Ste D, Madison, WI 53718 7982
18 Month Certificate of Deposit (CD)
$0
4.41% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.61% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 21, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 21, 20264.41%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
18 Month Certificate
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
18 Month Open Certificate Account
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
18 Month Certificate
$500
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month Certificate of Deposit
$500
4.35% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 19, 2026: 3.90% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month IRA
$0
4.35% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
18 Month Certificate of Deposit
$0
4.34% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.54% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
18 Month IRA Certificate
$0
4.34% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.54% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 18 months
$0
4.34% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.54% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
3.63%4.23%4.84%Sep 14, 2026: 4.13% APYOct 13, 2026: 4.34% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 18 months
$0
4.34% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.54% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
3.63%4.23%4.84%Sep 14, 2026: 4.13% APYOct 13, 2026: 4.34% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
6 Insight Dr, Platteville, WI 53818
18 Month Certificate
$0
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.87%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 18 Month
$0
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
18 Month Share Certificate Special
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

$100 Minimum

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
18 Month Share Certificates and IRA Certificates
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
Share Certificate - 18 Months
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Minimum to open or earn dividends: $100; Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
Share Certificate Special - 18 Months
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Share Certificate Special section

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
940 N Superior Ave, Tomah, WI 54660
Share Certificates - Special 18 Months
$100
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Special certificate; $100 minimum to open or earn dividends

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
110 McIndoe St, Wausau, WI 54403 4742
18-Month Certificate
$0
4.25% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 E 1st St, Gillett, WI 54124
18-MONTH CD
$500
4.25% ▲ 1.45% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.45% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (18 Month)
$10,000
4.20% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.40% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
18-month CD
$1,000
4.15% ▲ 1.35% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.35% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
201 Regal Dr, Fredonia, WI 53021
18-Month CD
$1,000
4.15% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.35% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
2.97%3.86%4.74%Sep 19, 2026: 3.56% APYSep 27, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20264.15%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
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 - 18 mo.
$0
4.15% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.80%▲ 1.35% above avgNationally 2.87%
Details

Balance: $50,000 to $99,999.99

Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 3, 2026: 4.15% APYOct 3, 2026Oct 13, 2026
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 - 18 mo.
$0
4.05% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.80%▲ 1.25% above avgNationally 2.87%
Details

Balance: $10,000 to $49,999.99

Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 3, 2026: 4.05% APYOct 3, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
18 Month IRA CD
$10,000
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.87%
Details

A penalty of 91 days of interest on the amount withdrawn may be imposed for the 18 Month IRA CD. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 18 Month
$0
3.95% ▲ 1.15% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.15% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
109 E 2nd St, New Richmond, WI 54017
18 Month Certificate of Deposit Options
$250
3.92% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.86%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.12% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 29, 2026: 3.92% APYSep 29, 2026Oct 13, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
CD Specials - 18 months
$5,000
3.85% ▲ 1.05% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.05% above avgNationally 2.87%
Details

Balance: $5,000.00 to $99,999.99; Interest Paid: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 2, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
IRA CD Specials - 18 month
$300
3.85% ▲ 1.05% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.05% above avgNationally 2.87%
Details

IRA CD Specials - 18 month; $300.00 to $99,999.99; Annual

Rate History
1 change since Sep 24, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 24, 2026: 3.55% APYOct 2, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.55%
  • Sep 24, 20263.55%first recorded
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Certificates - 18 Months
$1,000
3.80% ▲ 1.00% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.00% above avgNationally 2.87%
Details

Dividends compounded quarterly; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
2020 Innovation Ct, Green Bay, WI 54344 0001
18-month term
$0
3.80% ▲ 1.00% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.00% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
2020 Innovation Ct, Green Bay, WI 54344 0001
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 1.00% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 18-Month
$250
3.75% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.95% above avgNationally 2.87%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates - 18 Months
$0
3.70% ▲ 0.90% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate (18 Month)
$1,000
3.70% ▲ 0.90% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYOct 5, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
18 Month Fixed Rate Certificate of Deposit
$500
3.66% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 7, 2026: 3.66% APYOct 7, 2026Oct 13, 2026
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
255 Fiserv Dr, Brookfield, WI 53045
18-month CD Rate
$1,000
3.66% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 13, 2026
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% ▲ 0.85% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
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 - 18 mo.
$0
3.65% ▲ 0.85% above Wisconsin avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.80%▲ 0.85% above avgNationally 2.87%
Details

Balance: $100,000 and over

Rate History
No change since Oct 3, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 3, 2026: 3.65% APYOct 3, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
Certificate - 18 Month
$0
3.65% ▲ 0.85% above Wisconsin avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.85% above avgNationally 2.87%
Details

Effective October 13, 2026; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026

Wisconsin 24 Month CD Rates

MonitorBankRates Wisconsin Average · 24 Month CD2.90% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Wisconsin is 2.90% APY, compared with 2.88% nationally, as of October 13, 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: 15.32%
5325 Wall St Ste D, Madison, WI 53718 7982
24 Month Certificate of Deposit (CD)
$0
4.52% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.62% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 21, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 21, 20264.52%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.50% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.60% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
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% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 7 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
2 Year Certificate of Deposit
$0
4.45% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
2 Year IRA Certificate
$0
4.45% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 13, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 2 years
$0
4.45% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.45% ▲ 0.21 pts · high 4.45% / low 4.24%
3.74%4.35%4.95%Sep 14, 2026: 4.24% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 2 years
$0
4.45% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.45% ▲ 0.21 pts · high 4.45% / low 4.24%
3.74%4.35%4.95%Sep 14, 2026: 4.24% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
2 Year Certificate
$0
4.40% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
2 Year Open Certificate Account
$0
4.40% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.50% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 13, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
2-Year Choice Plus CD / IRA
$5,000
4.40% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.50% above avgNationally 2.88%
Details

1 time rate bump. Additions of $500 or more at any time.

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
2 1/2 Year Certificate of Deposit
$500
4.35% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
6 Insight Dr, Platteville, WI 53818
24 Month Certificate
$0
4.30% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.40% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$50,000
4.28% ▲ 1.38% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 24-Month
$50,000
4.28% ▲ 1.38% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.38% above avgNationally 2.88%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
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% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.35% above avgNationally 2.88%
Details

Renews to 30 mo

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYSep 19, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 19, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
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
4.25% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.35% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
110 McIndoe St, Wausau, WI 54403 4742
24-Month Certificate
$0
4.25% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.35% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
24 Month Certificate
$500
4.25% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.90%▲ 1.35% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 E 1st St, Gillett, WI 54124
24-MONTH CD
$500
4.25% ▲ 1.35% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.90%▲ 1.35% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 24 Month
$0
4.20% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.30% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year Certificate of Deposit
$100,000
4.20% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.30% above avgNationally 2.88%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
201 Regal Dr, Fredonia, WI 53021
IRA Certificate 2 Year
$1
4.15% ▲ 1.25% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.25% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
2 Year Certificate
$1,000
4.15% ▲ 1.25% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
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% ▲ 1.23% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.23% above avgNationally 2.88%
Details

Opening Balance: $10,000 or above; Interest credited Monthly; Fixed

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$500
4.13% ▲ 1.23% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 24-Month
$500
4.13% ▲ 1.23% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
4.06% ▲ 1.16% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.16% above avgNationally 2.88%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
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% ▲ 1.15% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.15% above avgNationally 2.88%
Details

Opening Balance: Under $10,000; Interest credited Annually; Fixed

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
905 Center Ave, Oostburg, WI 53070
24-Month CD
$1,000
4.04% ▲ 1.14% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 27, 2026: 2.62% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20264.04%▲ from 2.62%
  • Sep 27, 20262.62%first recorded
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3131 Mishicot Rd, Two Rivers, WI 54241
24 Month Share Certificates and IRA Certificates
$1,000
4.01% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.11% above avgNationally 2.88%
Details

$500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates - 24 Months
$0
4.01% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
24-month CD
$1,000
4.00% ▲ 1.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
2 Year Certificate of Deposit
$500
4.00% ▲ 1.10% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
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% ▲ 1.10% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
2 Year CD
$1,000
4.00% ▲ 1.10% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year Certificate of Deposit
$25,000
4.00% ▲ 1.10% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
8348 Corporate Dr, Mount Pleasant, WI 53406
Certificates - 24-Month
$0
4.00% ▲ 1.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

$500.00 minimum

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 2 Year
$0
4.00% ▲ 1.10% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

Early withdrawal penalty: 180 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
25 Belknap St, Superior, WI 54880
24 Month Share Certificate Special
$0
4.00% ▲ 1.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.90%▲ 1.10% above avgNationally 2.88%
Details

NEW MONEY = funds that are not currently on deposit with Centricity Credit Union

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 24-Month Step-Up
$250
3.97% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.91%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 1.07% above avgNationally 2.88%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 13, 2026
Cleveland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1250 W Washington Ave, Cleveland, WI 53015
24 Month Certificate of Deposit Specials
$5,000
3.94% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.04% above avgNationally 2.88%
Details

Substantial penalty may apply for early withdrawal on certificate of deposit

Rate History
No change since Oct 7, 2026 · 3.94% APY · checked 2 times
3.44%3.94%4.44%Oct 7, 2026: 3.94% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.90%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.93% APY · checked 3 times
3.43%3.93%4.43%Sep 19, 2026: 3.93% APYSep 19, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year Certificate of Deposit
$1,000
3.90% ▲ 1.00% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 1.00% above avgNationally 2.88%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 13, 2026
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
109 E 2nd St, New Richmond, WI 54017
2 Year Certificate of Deposit Options
$250
3.87% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.81%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.90%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Sep 29, 2026: 3.87% APYSep 29, 2026Oct 13, 2026
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 70.30%
500 West St, Neillsville, WI 54456
24 Month IRA CD
$2,500
3.85% ▲ 0.95% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
255 Fiserv Dr, Brookfield, WI 53045
2 year CD
$2,500
3.85% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.90%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
2 Year Share Certificates
$5,000
3.85% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.90%▲ 0.95% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded

Wisconsin 36 Month CD Rates

MonitorBankRates Wisconsin Average · 36 Month CD2.87% APY▲ 0.02% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Wisconsin is 2.87% APY, compared with 2.81% nationally, as of October 13, 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: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
36-Month Teen Certificate Special
$500
5.13% ▲ 2.26% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 2.26% above avgNationally 2.81%
Details

Ages: 13-15 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account

Rate History
No change since Oct 13, 2026 · 5.13% APY
4.63%5.13%5.63%Oct 13, 2026: 5.13% APYOct 13, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.60% ▲ 1.73% above Wisconsin avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3-Year CD
$1,000
4.50% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month Certificate - 10% New Money
$500
4.50% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.63% above avgNationally 2.81%
Details

10 for 10 Special; Certificates only (No IRA or HSA); 10% of total CD amount must be funds from another financial institution; Compounding: Annually

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
36 Month Certificate of Deposit, IRA, or HSA
$2,500
4.45% ▲ 1.58% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
HSA 36 Month Certificate of Deposit
$2,500
4.45% ▲ 1.58% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.58% above avgNationally 2.81%
Details

Certificate of Deposits, IRAs, and HSA**5

Rate History
No change since Sep 19, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 19, 2026: 4.45% APYSep 19, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
3 Year Certificate
$0
4.40% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
3 Year Open Certificate Account
$0
4.40% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.53% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month Certificate
$500
4.40% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.53% above avgNationally 2.81%
Details

10 for 10 Special; Certificates only (No IRA or HSA); Compounding: Annually

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 13, 2026
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% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.52% above avgNationally 2.81%
Details

Opening Balance: $10,000 or above; Interest credited Monthly; Fixed

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36-Month Traditional/Roth IRA CD
$50,000
4.33% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 36-Month
$50,000
4.33% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.46% above avgNationally 2.81%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
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% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.43% above avgNationally 2.81%
Details

Opening Balance: Under $10,000; Interest credited Annually; Fixed

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 6 times
3.77%4.27%4.77%Sep 19, 2026: 4.27% APYSep 19, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
3 Year CD
$1,000
4.20% ▲ 1.33% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 1.33% above avgNationally 2.81%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
2.70%3.83%4.95%Sep 14, 2026: 3.45% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.20%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year Certificate of Deposit
$100,000
4.20% ▲ 1.33% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.33% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.31% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 36-Month
$500
4.18% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.31% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 3 Year
$0
4.15% ▲ 1.28% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.28% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 36 Month
$0
4.10% ▲ 1.23% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 36-Month
$250
4.06% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.19% above avgNationally 2.81%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
905 Center Ave, Oostburg, WI 53070
36-Month CD
$1,000
4.04% ▲ 1.17% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 27, 2026 · 2.87% → 4.04% ▲ 1.17 pts · high 4.04% / low 2.87%
1.70%3.46%5.21%Sep 27, 2026: 2.87% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20264.04%▲ from 2.87%
  • Sep 27, 20262.87%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
155 W Wisconsin Ave, Oconomowoc, WI 53066
36 Month CD / IRA
$1,000
4.00% ▲ 1.13% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 4.00% ▲ 1.70 pts · high 4.00% / low 2.30%
0.60%3.15%5.70%Sep 14, 2026: 2.30% APYOct 2, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year Certificate of Deposit
$25,000
4.00% ▲ 1.13% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.13% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
36 Month Certificate
$500
4.00% ▲ 1.13% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.87%▲ 1.13% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
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% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.07% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 1.04% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
2.89%3.66%4.42%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.91%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year Certificate of Deposit
$1,000
3.90% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 1.03% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.89% APY · checked 3 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.87%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.89% APY · checked 7 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APYSep 14, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.85% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.98% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
2 changes since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates - 36 Months
$0
3.85% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
3 Year Share Certificates
$5,000
3.85% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.98% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 36-month IRA
$0
3.85% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.98% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate (3 Year)
$1,000
3.85% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.98% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
255 Fiserv Dr, Brookfield, WI 53045
3-year CD Rate
$1,000
3.81% ▲ 0.94% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.87%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Sep 22, 2026: 3.81% APYSep 22, 2026Oct 13, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year Certificate of Deposit
$500
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 19, 2026: 3.70% APYOct 7, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.70%
  • Sep 19, 20263.70%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year IRA
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 3, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Term Certificate
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Balance: $30,000 and over

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Year Certificate
$1,000
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3131 Mishicot Rd, Two Rivers, WI 54241
36 Month Share Certificates and IRA Certificates
$1,000
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

$500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
Certificate - 3 Year
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Effective October 13, 2026; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
IRA Certificate - 3 Year
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
36 Month Jumbo Certificates
$0
3.80% ▲ 0.93% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.93% above avgNationally 2.81%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 22, 2026: 3.30% APYOct 13, 2026: 3.80% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
Certificates of Deposits - 36 months
$1,000
3.79% ▲ 0.92% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.87%▲ 0.92% above avgNationally 2.81%
Details

Rates effective 09/24/2026; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.79% APY
3.29%3.79%4.29%Oct 13, 2026: 3.79% APYOct 13, 2026Oct 13, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
36 Month Fixed Rate Certificate of Deposit
$500
3.76% ▲ 0.89% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 7, 2026: 3.76% APYOct 7, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.75% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.88% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 19, 2026: 3.24% APYSep 24, 2026: 3.70% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Months CD
$0
3.75% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.87%▲ 0.88% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 27, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 27, 20263.70%first recorded

Wisconsin 48 Month CD Rates

MonitorBankRates Wisconsin Average · 48 Month CD2.76% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Wisconsin is 2.76% APY, compared with 2.80% nationally, as of October 13, 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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.70% ▲ 1.94% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.94% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Year Certificate
$0
4.40% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Year Open Certificate Account
$0
4.40% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$50,000
4.39% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.63% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 48-Month
$50,000
4.39% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.63% above avgNationally 2.80%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 4 Year
$0
4.35% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.59% above avgNationally 2.80%
Details

Early withdrawal penalty: 365 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
155 W Wisconsin Ave, Oconomowoc, WI 53066
48 Month CD / IRA
$1,000
4.25% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.49% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 4.25% ▲ 1.85 pts · high 4.25% / low 2.40%
0.55%3.32%6.10%Sep 14, 2026: 2.40% APYOct 2, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20264.25%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year Certificate of Deposit
$100,000
4.25% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 1.49% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$500
4.23% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 48-Month
$500
4.23% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 48 Month
$0
4.20% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.44% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
4 Year IRA CD
$25,000
4.20% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.44% above avgNationally 2.80%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
601 Willard Dr, Green Bay, WI 54304
48 Month Share Certificates
$0
4.15% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.39% above avgNationally 2.80%
Details

Includes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.39% above avgNationally 2.80%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 48-Month
$250
4.13% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.37% above avgNationally 2.80%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 48-month IRA
$0
4.10% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.34% above avgNationally 2.80%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year Certificate of Deposit
$25,000
4.05% ▲ 1.29% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 1.29% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
48 Month Jumbo Certificates
$0
4.05% ▲ 1.29% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.29% above avgNationally 2.80%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
2.55%3.68%4.80%Sep 22, 2026: 3.30% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
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% ▲ 1.24% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
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% ▲ 1.23% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.96% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.20% above avgNationally 2.80%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year Certificate of Deposit
$1,000
3.95% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 1.19% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.18% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.18% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 3 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.18% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 1.18% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 13, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year Certificate of Deposit
$500
3.90% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 19, 2026: 3.75% APYOct 7, 2026: 3.90% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year IRA
$0
3.90% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates - 48 Months
$0
3.90% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate (4 Year)
$1,000
3.90% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.85% ▲ 1.09% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.09% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
2 changes since Sep 19, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 19, 2026: 3.24% APYSep 24, 2026: 2.93% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 2.93%
  • Sep 24, 20262.93%▼ from 3.24%
  • Sep 19, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Months CD
$0
3.85% ▲ 1.09% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.09% above avgNationally 2.80%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 2.93% → 3.85% ▲ 0.92 pts · high 3.85% / low 2.93%
2.01%3.39%4.77%Sep 27, 2026: 2.93% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 2.93%
  • Sep 27, 20262.93%first recorded
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
926 W College Ave, Appleton, WI 54914 5261
Certificate - 48-Month
$1,000
3.85% ▲ 1.09% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.09% above avgNationally 2.80%
Details

Compounds Quarterly

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
40214 S Ekern Avenue, Pigeon Falls, WI 54760
4 Year Certificate of Deposit
$100
3.80% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
106 E John St, Jefferson, WI 53549 2039
Share Certificate - 48 Month
$500
3.80% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
48 Month Fixed Rate Certificate of Deposit
$500
3.76% ▲ 1.00% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 1.00% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 7, 2026: 3.76% APYOct 7, 2026Oct 13, 2026
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 - 48 Mo.
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 19, 2026: 3.35% APYSep 24, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
2 changes since Sep 19, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 19, 2026: 3.14% APYSep 24, 2026: 2.83% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 2.83%
  • Sep 24, 20262.83%▼ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Months CD
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 27, 2026 · 2.83% → 3.75% ▲ 0.92 pts · high 3.75% / low 2.83%
1.91%3.29%4.67%Sep 27, 2026: 2.83% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 2.83%
  • Sep 27, 20262.83%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
4 Year Certificate
$1,000
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
106 E John St, Jefferson, WI 53549 2039
IRA Certificate - 48 Month - Traditional or Roth
$1,000
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
48 Month Certificate
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 365 Days; Effective Date: October 13, 2026

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
110 McIndoe St, Wausau, WI 54403 4742
48-Month Certificate
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
201 E Lake ST, Horicon, WI 53032 1240
48 Month Certificate
$500
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6715 Green Bay Rd, Kenosha, WI 53142 1425
48 Month Certificate
$0
3.75% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.76%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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 - 48 Mo.
$0
3.70% ▲ 0.94% above Wisconsin avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.76%▲ 0.94% above avgNationally 2.80%
Details

Balance: $50,000 to $99,999.99

Rate History
1 change since Sep 19, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 19, 2026: 3.30% APYSep 24, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.70%▲ from 3.30%
  • Sep 19, 20263.30%first recorded
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Term Share Certificate
$0
3.70% ▲ 0.94% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.94% above avgNationally 2.80%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.89% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.76%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
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 - 48 Mo.
$0
3.65% ▲ 0.89% above Wisconsin avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.76%▲ 0.89% above avgNationally 2.80%
Details

Balance: $10,000 to $49,999.99

Rate History
1 change since Sep 19, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 19, 2026: 3.25% APYSep 24, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.65%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2403 S Oneida St, Ashwaubenon, WI 54304
48 Months CD
$1,000
3.65% ▲ 0.89% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.76%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3131 Mishicot Rd, Two Rivers, WI 54241
48 Month Share Certificates and IRA Certificates
$1,000
3.65% ▲ 0.89% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.76%▲ 0.89% above avgNationally 2.80%
Details

$500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026

Wisconsin 60 Month CD Rates

MonitorBankRates Wisconsin Average · 60 Month CD2.97% APY▲ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Wisconsin is 2.97% APY, compared with 2.90% nationally, as of October 13, 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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 60-Month
$250
5.15% ▲ 2.18% above Wisconsin avg
View
▼
Rate5.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 2.18% above avgNationally 2.90%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 5.15% APY
4.65%5.15%5.65%Oct 13, 2026: 5.15% APYOct 13, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 60 Month
$0
4.75% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.69% above avgNationally 2.90%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 60-month IRA
$0
4.61% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.64% above avgNationally 2.90%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.61% APY
4.11%4.61%5.11%Oct 13, 2026: 4.61% APYOct 13, 2026Oct 13, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
60-Month Youth Certificate Special
$500
4.60% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.63% above avgNationally 2.90%
Details

Age: 0-12 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
60 Month Jumbo Certificates
$0
4.55% ▲ 1.58% above Wisconsin avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.58% above avgNationally 2.90%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
2.55%4.05%5.55%Sep 22, 2026: 3.55% APYOct 13, 2026: 4.55% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.55%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
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% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.57% above avgNationally 2.90%
Details

Opening Balance: $10,000 or above; Interest credited Monthly; Fixed

Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
155 W Wisconsin Ave, Oconomowoc, WI 53066
60 Month CD / IRA
$1,000
4.50% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 14, 2026: 2.50% APYOct 2, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
1040 N Main St, Sheboygan Falls, WI 53085
Share Certificate - 5 Year
$0
4.50% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Early withdrawal penalty: 365 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
60 Month Certificates
$0
4.50% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 18, 2026: 3.50% APYOct 13, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
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% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.48% above avgNationally 2.90%
Details

Opening Balance: Under $10,000; Interest credited Annually; Fixed

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (5 Year)
$10,000
4.45% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.38%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
60-Month Traditional/Roth IRA CD
$50,000
4.44% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 60-Month
$50,000
4.44% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.47% above avgNationally 2.90%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.44% ▲ 0.83 pts · high 4.44% / low 3.61%
2.78%4.03%5.27%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
5 Year Certificate
$0
4.40% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
5 Year Open Certificate Account
$0
4.40% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.43% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
5 Year CD
$5,000
4.30% ▲ 1.33% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 1.33% above avgNationally 2.90%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.30%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year Certificate of Deposit
$100,000
4.30% ▲ 1.33% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.33% above avgNationally 2.90%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
60-Month Traditional/Roth IRA CD
$500
4.28% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 60-Month
$500
4.28% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
CD - 60 Month
$0
4.25% ▲ 1.28% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.28% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
601 Willard Dr, Green Bay, WI 54304
60 Month Share Certificates
$0
4.15% ▲ 1.18% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.18% above avgNationally 2.90%
Details

Includes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year Certificate of Deposit
$25,000
4.10% ▲ 1.13% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.13% above avgNationally 2.90%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.12% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.12% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
40214 S Ekern Avenue, Pigeon Falls, WI 54760
5 Year Certificate of Deposit
$1,000
4.06% ▲ 1.09% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates - 60 Months
$0
4.06% ▲ 1.09% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
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% ▲ 1.07% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.07% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 7 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
905 Center Ave, Oostburg, WI 53070
60-Month CD
$1,000
4.04% ▲ 1.07% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Sep 27, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
3.13%3.84%4.54%Sep 27, 2026: 3.63% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20264.04%▲ from 3.63%
  • Sep 27, 20263.63%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year Certificate of Deposit
$500
4.00% ▲ 1.03% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year IRA
$0
4.00% ▲ 1.03% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year Certificate of Deposit
$1,000
4.00% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
Certificate - 5 Year
$0
4.00% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Effective October 13, 2026; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2626 S Oneida St, Appleton, WI 54915 2101
IRA Certificate - 5 Year
$0
4.00% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.96% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.99% above avgNationally 2.90%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
926 W College Ave, Appleton, WI 54914 5261
Certificate - 60-Month
$1,000
3.95% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Compounds Quarterly

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Share or IRA Certificate (5 Year)
$1,000
3.95% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 14, 2026: 3.90% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.95%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1750 Witzel Ave, Oshkosh, WI 54902
60 Month Fixed Rate Certificate of Deposit
$500
3.87% ▲ 0.90% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 7, 2026: 3.87% APYOct 7, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.85% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 19, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 19, 2026: 3.14% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.14%
  • Sep 19, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Months CD
$0
3.85% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 27, 2026 · 3.14% → 3.85% ▲ 0.71 pts · high 3.85% / low 3.14%
2.43%3.50%4.56%Sep 27, 2026: 3.14% APYOct 7, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.14%
  • Sep 27, 20263.14%first recorded
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3131 Mishicot Rd, Two Rivers, WI 54241
60 Month Share Certificates and IRA Certificates
$1,000
3.85% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.88% above avgNationally 2.90%
Details

$500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
60 Month Certificate
$0
3.85% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 365 Days; Effective Date: October 13, 2026

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
255 Fiserv Dr, Brookfield, WI 53045
5-year CD Rate
$1,000
3.81% ▲ 0.84% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.97%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Sep 22, 2026: 3.81% APYSep 22, 2026Oct 13, 2026
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
441 Stageline Rd, Hudson, WI 54016
60 Month Certificate
$1,000
3.80% ▲ 0.83% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.97%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.80% ▲ 0.77 pts · high 3.80% / low 3.03%
2.26%3.42%4.57%Sep 14, 2026: 3.03% APYOct 7, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1608 Day St, Greenleaf, WI 54126
5 Year Certificate
$1,000
3.80% ▲ 0.83% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 19, 2026: 3.55% APYOct 11, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20263.80%▲ from 3.55%
  • Sep 19, 20263.55%first recorded
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Term Share Certificate
$0
3.80% ▲ 0.83% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.83% above avgNationally 2.90%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
Certificates of Deposits - 60 months
$5,000
3.79% ▲ 0.82% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.97%▲ 0.82% above avgNationally 2.90%
Details

Rates effective 09/24/2026; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.79% APY
3.29%3.79%4.29%Oct 13, 2026: 3.79% APYOct 13, 2026Oct 13, 2026
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% ▲ 0.78% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.75% ▲ 0.78% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.75% ▲ 0.72 pts · high 3.75% / low 3.03%
2.31%3.39%4.47%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
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.

Top CD Rates from Wisconsin Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
State Bank of Newburg
18 mo Variable Rate IRA
A+ 5.0 ★ TX: 0.00%
Min: $500
4.84%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
PSB of Plainview
12 Month Certificate
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
Bank Five Nine
60 Month CD / IRA
A 5.0 ★ TX: 8.25%
Min: $1,000
4.50%
The Bank of New Glarus
24 Month CD/IRA
A- 5.0 ★ TX: 15.01%
Min: $2,000
4.50%
CU Top 5 Credit Union Rates
CO-OP Credit Union
12 Month Youth Saver Certificate
A+ 5.0 ★ TX: 5.54%
Min: $100
6.00%
Gundersen Credit Union
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
A+ 5.0 ★ TX: 0.40%
Min: $100
5.50%
Fort Community Credit Union
Certificates - 60-Month
A 5.0 ★ TX: 8.84%
Min: $250
5.15%
1st Community Credit Union
36-Month Teen Certificate Special
A+ 5.0 ★ TX: 5.97%
Min: $500
5.13%
Northwoods Community Credit Union
6 Month Youth Share Certificate
A+ 5.0 ★ TX: 2.66%
Min: $100
5.06%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Wisconsin CD Trends
12-Month CD WI Avg
2.801%
▼ 0.011 vs 7 days ago

Wisconsin 12-month CD rates fell 0.011 points over the past 7 days to 2.801% APY.

6-Month CD WI Avg
2.405%
▲ 0.011 vs 7 days ago

Wisconsin 6-month CD rates rose 0.011 points over the past 7 days to 2.405% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

WI CD Rate Forecast, Next 12 Months

Where are Wisconsin CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WI 12-Month Avg APY
2.801%
6-Month Forecast
2.801%
Range: 2.60%, 2.95%
12-Month Forecast
3.051%
Range: 2.85%, 3.20%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Wisconsin average 12-month CD APY in our database.

Spread model: The Wisconsin 12-month CD average currently trades 1.57% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.541% $77.04 $154.08 $385.20 $770.40
6-Month CD 2.405% $120.23 $240.46 $601.15 $1,202.30
12-Month CD 2.801% $140.05 $280.10 $700.25 $1,400.50
18-Month CD 2.799% $139.94 $279.88 $699.70 $1,399.40
24-Month CD 2.898% $144.88 $289.76 $724.40 $1,448.80
36-Month CD 2.867% $143.37 $286.73 $716.83 $1,433.65
48-Month CD 2.759% $137.93 $275.85 $689.63 $1,379.25
60-Month CD 2.972% $148.60 $297.20 $743.00 $1,486.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit WI Avg APY Annual Earnings
1 3-Month CD $5,000 1.541% $77.04
2 6-Month CD $5,000 2.405% $120.23
3 12-Month CD $5,000 2.801% $140.05
4 24-Month CD $5,000 2.898% $144.88
5 36-Month CD $5,000 2.867% $143.37
Total ($25,000 invested) $25,000 2.502% blended $625.57/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.

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1,941
CD Rates
Tracked in Wisconsin
63 Banks 64 Credit Unions

About Our Wisconsin CD Rate Database

MonitorBankRates tracks 1,941 CD rates from 63 banks and 64 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 to 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 $100. 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 64 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: 127 institutions here report CD rates

Consider an Alternative If…

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
$131/yr
At WI 12-mo avg 2.801% 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 2.801%, saving 10% of the local median salary ($4,666/year) and putting it in a CD would earn an additional $131 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 to 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, Fort Community Credit Union is offering its Certificates - 60-Month at 5.15% 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))
  • Fort Community Credit Union: 5.15% APY (Certificates - 60-Month)
  • 1st Community Credit Union: 5.13% APY (36-Month Teen Certificate Special)
  • Northwoods Community Credit Union: 5.06% APY (6 Month Youth Share Certificate)
  • State Bank of Newburg: 4.84% APY (18 mo Variable Rate IRA)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
  • PSB of Plainview: 4.63% APY (12 Month Certificate)
  • Cranberry Federal Credit Union: 4.59% APY (12-Month Traditional/Roth IRA CD)
Rates reflect recent verified offers available in Wisconsin. Last Updated: October 13, 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

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Wisconsin CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Wisconsin. Averages shown use the Wisconsin state average where available, national otherwise. See the full rate tables above for all offers.

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 Ladder

WI CD rates currently range from 1.541% (3-month) to 2.867% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Wisconsin CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wisconsin’s average 12-month CD is 2.801% 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: October 13, 2026

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