Current New Berlin, Wisconsin CD rates include Landmark Credit Union WILandmark Credit Union WI2775 S Moorland RD, New Berlin, WI 53151A+5.0 ★Texas Ratio: 2.82%Real return: +1.60%APY minus CPI (February 2026) offering 12 Month Certificate at 4.40% APY, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union4850 S Moorland Rd, New Berlin, WI 53151 7402A+5.0 ★Texas Ratio: 3.95%Real return: +0.80%APY minus CPI (February 2026) offering Rate Bump - 24 Months at 3.60% APY, Horicon BankHoricon Bank15600 W Cleveland Ave, New Berlin, WI 53151A5.0 ★Texas Ratio: 7.52%Real return: +0.78%APY minus CPI (February 2026) offering 1 1/2 Year CD (18 Month) at 3.58% APY, Educators Credit UnionEducators Credit Union15350 W Howard Ave, New Berlin, WI 53151A+5.0 ★Texas Ratio: 2.95%Real return: +0.20%APY minus CPI (February 2026) offering Share Certificates (Regular & IRA Accounts) - 5 Years at 3.00% APY, and Bank Five NineBank Five Nine3830 S Moorland Rd, New Berlin, WI 53151A-4.9 ★Texas Ratio: 16.81%Real return: -0.30%APY minus CPI (February 2026) offering 60 Month CD / IRA at 2.50% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
New Berlin has 121 local institutions in our database, with CD rates as high as 4.40% APY from Landmark Credit Union WI at 2775 S Moorland RD, New Berlin, WI 53151. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
No IRA Available
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.
Earn Up To 3.60%
Balance: $100,000 and higher; Interest Credited: At Maturity
No IRA Available
Balance: $25,000 - $99,999; Interest Credited: At Maturity
Balance: $1,000 - $24,999; Interest Credited: At Maturity
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Qualifications Required; Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.
Balance: $500 - $9,999.99
No IRA Available
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.
Balance: $100,000 and higher; Interest Credited: Quarterly
Balance: $100,000+
IRA Certificates require $1000 Minimum and 1 Year Minimum
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Balance: $25,000.00 - $49,999.99
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Balance: $10,000.00 - $24,999.99
Dividend Compounded: At Maturity; Dividend Added: At Maturity
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
Early withdrawal penalties may apply.
Relationship APY 1.51%. Early withdrawal penalties may apply.
Age: 13-17
Penalty for early withdrawal: 180 days dividends
Penalty for early withdrawal: 180 days dividends
Penalty for early withdrawal: 180 days dividends
Balance: $35,000+
Age: 0-12
Minimum to Open or Earn Dividends.
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.
Balance: $100,000 and higher; Interest Credited: Quarterly
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Minimum Daily Balance of $10,000 or More to Earn Annual Percentage Yield
Term: 1 1/2 Year (18 Month)
Term: 1 1/2 Year (18 Month)
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
Penalty for early withdrawal: 180 days dividends
Interest Will Be Credited: Quarterly; Fixed Rate or Variable Rate***: Variable
Term: 18 Month Variable Rate IRA; Compounded: Daily; Basic MVP** Level Dividend Rate: 4.25%; Basic MVP** Level APY*: 4.34%; Silver MVP** Level Dividend Rate: 4.25%; Silver MVP** Level APY*: 4.34%; Gold MVP** Level Dividend Rate: 4.25%; Gold MVP** Level APY*: 4.34%
Minimum to Open or Earn Dividends.
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.
Balance: 18 Months
Compounding/Posted: Monthly/Monthly
Interest Rate $10,000 and Over
Certificates with $250,000 Minimum
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
1 time rate bump. Additions of $500 or more at any time.
Renews to 30 mo
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.
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Balance: $100,000 and higher; Interest Credited: Quarterly
Balance: $35,000+
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Balance: 24 Months
Balance: $500.00 minimum
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Compounding/Posted: Monthly/Monthly
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Certificate of Deposits, IRAs, and HSA**5
Certificate of Deposits, IRAs, and HSA**5
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Balance: $100,000 and higher; Interest Credited: Quarterly
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Balance: 36 Months
Compounding/Posted: Monthly/Monthly
Balance: $35,000+
Balance: $30,000 and over
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Balance: $100,000+
APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.
Balance: $25,000.00 - $49,999.99
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
Balance: $100,000 and higher; Interest Credited: Quarterly
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Balance: 48 Months
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Balance: $100,000 and over
Balance: $1,000.00+
Balance: $50,000 to $99,999.99
Dividend Paid: Quarterly
Dividend Paid: Quarterly
With $250,000 Minimum
Certificates with $250,000 Minimum
Individual Retirement Account (IRAs) with $10,000 Minimum
Rates are effective as of 09/01/2026. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Balance: $100,000 and higher; Interest Credited: Quarterly
Balance: 60 Months
Balance: $25,000 - $99,999; Interest Credited: Quarterly
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Compounding/Posted: Monthly/Monthly
Dividend Paid: Quarterly
Dividend Paid: Quarterly
APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings
APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.
Compare local New Berlin, 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 0.004 points over the past 7 days to 2.945% APY.
Wisconsin 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
Where are Wisconsin CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Wisconsin average APYs. State average used where available; national average as fallback.
| CD Term | WI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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 1,894 CD rates from 55 banks and 68 credit unions with locations in New Berlin, 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: Landmark Credit Union WI offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in New Berlin, Wisconsin.
What to compare when shopping for a CD in New Berlin, Wisconsin
To find the best APYs in New Berlin, Wisconsin, start with credit unions and online-only banks: New Berlin, Wisconsin has 68 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
23.6% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.2% reflects a strong local economy. At today’s WI 12-month CD average of 2.945%, saving 10% of the local median salary ($5,894/year) and putting it in a CD would earn an additional $174 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 |
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 New Berlin, 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 New Berlin, Wisconsin as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Berlin, Wisconsin savers easier access to their funds. For example, Horicon Bank is offering its 182 Day CD (6 Month) at 3.48% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Landmark Credit Union WI is offering its 5 Year Certificate at 4.40% 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.
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 New Berlin, 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.
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 New Berlin, Wisconsin CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Berlin, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Berlin, Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s WI top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
New Berlin, Wisconsin CD LadderWI CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Berlin, Wisconsin CD at 4.40% 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 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Berlin, 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 New Berlin, 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 New Berlin, 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.