Current Lewis, Wisconsin CD rates include CO-OP Credit UnionCO-OP Credit UnionA+5.0 ★Texas Ratio: 3.80%Real return: +3.20%APY minus CPI (February 2026) offering Youth Saver Certificate - 12-month at 6.00% APY, Gundersen Credit UnionGundersen Credit UnionA+5.0 ★Texas Ratio: 0.79%Real return: +2.70%APY minus CPI (February 2026) offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY, 1st Community Credit Union1st Community Credit UnionA+5.0 ★Texas Ratio: 4.79%Real return: +2.33%APY minus CPI (February 2026) offering 36-MONTH TEEN CERTIFICATE SPECIAL at 5.13% APY, Northwoods Community Credit UnionNorthwoods Community Credit UnionA+5.0 ★Texas Ratio: 4.18%Real return: +2.26%APY minus CPI (February 2026) offering Share Certificate Special Youth Accounts 6 Month at 5.06% APY, and State Bank of NewburgState Bank of NewburgA+5.0 ★Texas Ratio: 0.29%Real return: +1.93%APY minus CPI (February 2026) offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.73% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Lewis is a smaller community with no bank or credit union branches currently in our database. 475 institutions serving the Wisconsin area are available to Lewis residents, with CD rates as high as 6.00% APY from CO-OP Credit Union. Rates are continually updated — 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: April 12, 2026
Non-Relationship
** = Indicates certificate is not available as an IRA.
Minimum deposit $500.00
Under $10,000
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
New money only.
Relationship
$10,000 or above
** = Indicates certificate is not available as an IRA.
APY up to
A penalty may be imposed for early withdrawals.
Minimum deposit $500.00
APY up to
Relationship
$10,000 or above
A penalty may be imposed for early withdrawals.
Certificates are subject to early withdrawal penalties and renew automatically
$50,000.00 and up
$1,000.00 - $9,999.99
Relationship
A penalty may be imposed for early withdrawals.
$50,000.00 and up
Minimum Deposit $1000.00
Interest paid semi-annually or at maturity. Early withdrawal penalty equal to 180 days interest.
$10,000 or above
Non-Relationship
Early Withdrawal Penalties: 360 Days Interest
$10,000.00 or More
Minimum Deposit $1000.00
Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
$10,000 or above
Relationship
A penalty may be imposed for early withdrawals.
Early Withdrawal Penalties: 540 Days Interest
$1,000
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
$10,000.00 or More
Minimum Deposit $2500.00
Relationship
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Early Withdrawal Penalties(3): 12 mos. Interest
$10,000.00 or More
Minimum Deposit $2500.00
Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
$10,000 or above
Non-Relationship
Certificates are subject to early withdrawal penalties and renew automatically
$1,000
Early Withdrawal Penalties(3): 12 mos. Interest
Minimum Deposit $2500.00
$10,000.00 or More
Compare local Lewis, WI 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.
Wisconsin 12-month CD rates currently average 2.549% APY based on data from institutions in our monitoring network.
Wisconsin 6-month CD rates currently average 2.228% APY based on data from institutions in our monitoring network.
Where are Wisconsin CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.810% | $90.50 | $180.99 | $452.48 | $904.95 |
| 6-Month CD | 2.228% | $111.40 | $222.80 | $557.00 | $1,114.00 |
| 12-Month CD | 2.549% | $127.43 | $254.85 | $637.13 | $1,274.25 |
| 18-Month CD | 2.666% | $133.28 | $266.55 | $666.38 | $1,332.75 |
| 24-Month CD | 2.475% | $123.75 | $247.50 | $618.75 | $1,237.50 |
| 36-Month CD | 2.570% | $128.48 | $256.96 | $642.40 | $1,284.80 |
| 48-Month CD | 2.527% | $126.36 | $252.71 | $631.78 | $1,263.55 |
| 60-Month CD | 2.736% | $136.81 | $273.61 | $684.03 | $1,368.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.810% | $90.50 |
| 2 | 6-Month CD | $5,000 | 2.228% | $111.40 |
| 3 | 12-Month CD | $5,000 | 2.549% | $127.43 |
| 4 | 24-Month CD | $5,000 | 2.475% | $123.75 |
| 5 | 36-Month CD | $5,000 | 2.570% | $128.48 |
| Total ($25,000 invested) | $25,000 | 2.326% blended | $581.56/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.
MonitorBankRates tracks CD rates from 68 banks and 49 credit unions with locations in Lewis, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: CO-OP Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Lewis, Wisconsin.
What to compare when shopping for a CD in Lewis, Wisconsin
To find the best APYs in Lewis, Wisconsin, start with credit unions and online-only banks — Lewis, Wisconsin has 49 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 2.549%, saving 10% of the local median salary ($4,666/year) and putting it in a CD would earn an additional $119 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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.
Lewis, Wisconsin CD LadderWI CD rates currently range from 1.810% (3-month) to 2.570% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lewis, Wisconsin CD at 6.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWisconsin’s average 12-month CD is 2.549% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lewis, 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 pulling data straight 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 Lewis, 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.