Current Madison, Wisconsin CD rates include Wings Financial Credit UnionWings Financial Credit Union8010 Excelsior Dr, Madison, WI 53717 1951A+5.0 ★Texas Ratio: 1.78% offering 6-Month Certificate at 3.90% APY, The Park BankThe Park Bank2401 S Park St, Madison, WI 53713A5.0 ★Texas Ratio: 6.36% offering 6 Month CD Special at 3.35% APY, Madison Credit UnionMadison Credit Union949 E Washington Ave, Madison, WI 53703A+5.0 ★Texas Ratio: 0.71% offering Security Plus Club Certificate (1 Year) at 3.09% APY, DMB Community BankDMB Community Bank10 Terrace Ct, Madison, WI 53718A+5.0 ★Texas Ratio: 0.00% offering 6 Month CD at 3.05% APY, and Bank Five NineBank Five Nine5315 Wall St Ste 200, Madison, WI 53718A+5.0 ★Texas Ratio: 3.03% offering 60 Month CD at 2.50% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Madison has 15 local institutions in our database, with CD rates as high as 3.90% APY from Wings Financial Credit Union at 8010 Excelsior Dr, Madison, WI 53717 1951. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wisconsin area. 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 5, 2026
Relationship
Opening Balance Under $10,000
Penalty: 30 days
New money only.
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
APY shown accurate as of 3/2/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.
Opening Balance $10,000 or above
LIMITED TIME OFFER
A penalty may be imposed for early withdrawals.
Certificates are subject to early withdrawal penalties and renew automatically
Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
Opening Balance $10,000 or above
A penalty may be imposed for early withdrawals.
LIMITED TIME OFFER
$50,000.00 and up
Certificates are subject to early withdrawal penalties and renew automatically
Relationship
LIMITED TIME OFFER
$50,000.00 and up
Minimum Initial Deposit of $500
Interest paid semi-annually or at maturity. Early withdrawal penalty equal to 180 days interest.
Opening Balance $10,000 or above
Relationship
Opening Balance $10,000 or above
Relationship
A penalty may be imposed for early withdrawals.
LIMITED TIME OFFER
Early Withdrawal Penalties: 540 Days Interest
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
Relationship
LIMITED TIME OFFER
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
$1,000.00 - $9,999.99
Certificates are subject to early withdrawal penalties and renew automatically
Opening Balance $10,000 or above
LIMITED TIME OFFER
Non-Relationship
Early Withdrawal Penalties(3): 12 mos. Interest
$10,000.00 or More
Compare local Madison, 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 rose 0.458 points over the past 7 days to 3.019% APY.
Wisconsin 6-month CD rates rose 0.974 points over the past 7 days to 3.183% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Madison, 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 Madison, 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.