Sheboygan, Wisconsin Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Sheboygan, Wisconsin CD rates range from 0.05% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Sheboygan, Wisconsin CD rates include Nicolet BankNicolet Bank2108 Kohler Memorial Dr, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.75% APY, Marine Credit UnionMarine Credit Union730 N 9th St, Sheboygan, WI 53081A5.0 ★Texas Ratio: 13.08%Real return: +1.86%APY minus CPI (February 2026) offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, UMB BankUMB Bank3220 S Business Dr, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 1.78%Real return: +1.05%APY minus CPI (February 2026) offering 3-MONTH TIME DEPOSIT ACCOUNT at 3.85% APY, Sheboygan Area Credit UnionSheboygan Area Credit Union1707 Indiana Ave, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 0.48%Real return: +0.48%APY minus CPI (February 2026) offering Term Share Certificate - 6 Month at 3.28% APY, and UnitedOne Credit UnionUnitedOne Credit Union2122 Superior Ave, Sheboygan, WI 53081 2246A+5.0 ★Texas Ratio: 1.62%Real return: +0.05%APY minus CPI (February 2026) offering Share Certificate - 1 Year Jumbo at 2.85% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Sheboygan has 107 local institutions in our database, with CD rates as high as 4.75% APY from Nicolet Bank at 2108 Kohler Memorial Dr, Sheboygan, WI 53081. 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: October 13, 2026
Compare Best CD Rates in Sheboygan, Wisconsin & the Surrounding Area
Sheboygan 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3220 S Business Dr, Sheboygan, WI 53081
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.31% above Wisconsin avg
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 3 Month
$0
3.05%
▲ 1.51% above Wisconsin avg
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 3 Month
$0
2.75%
▲ 1.21% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
3 Month Jumbo Certificates
$0
1.55%
▲ 0.01% above Wisconsin avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.01% above avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
3 Month Certificates
$0
1.50%
▼ 0.04% below Wisconsin avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▼ 0.04% below avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 3 Month
$0
1.26%
▼ 0.28% below Wisconsin avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▼ 0.28% below avgNationally 2.09%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 1.26% APY
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 3 Month
$1,000
1.15%
▼ 0.39% below Wisconsin avg
▼
Rate1.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▼ 0.39% below avgNationally 2.09%
Details
Dividend Period: Maturity
Rate History
No change since Oct 13, 2026 · 1.15% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.48% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▼ 1.48% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.48% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▼ 1.48% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.49% below Wisconsin avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▼ 1.49% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
3 Month IRA Certificates
$0
0.05%
▼ 1.49% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average1.54%▼ 1.49% below avgNationally 2.09%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
3 Month Standard CD
$0
0.05%
▼ 1.49% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average1.54%▼ 1.49% below avgNationally 2.09%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
90 Day Certificate of Deposit
$1,000
4.21%
▲ 2.67% above Wisconsin avg
▼
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$75,000
3.92%
▲ 2.38% above Wisconsin avg
▼
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%
- 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%
Jumbo Share Certificate (3 Month)
$10,000
3.90%
▲ 2.36% above Wisconsin avg
▼
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
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Option CD
$500
3.85%
▲ 2.31% above Wisconsin avg
▼
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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 2.21% above Wisconsin avg
▼
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$20,000
3.67%
▲ 2.13% above Wisconsin avg
▼
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%
- 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%
3 Month CD
$0
3.60%
▲ 2.06% above Wisconsin avg
▼
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
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month CD
$0
3.60%
▲ 2.06% above Wisconsin avg
▼
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%
- 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%
90 Day IRA Certificate
$1,000
3.56%
▲ 2.02% above Wisconsin avg
▼
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
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit (CDs) - 90 Day
$1,000
3.56%
▲ 2.02% above Wisconsin avg
▼
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
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$10,000
3.50%
▲ 1.96% above Wisconsin avg
▼
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%
- 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%
Business 3 Month Certificate of Deposit
$100,000
3.45%
▲ 1.91% above Wisconsin avg
▼
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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 3-Month
$250
3.44%
▲ 1.90% above Wisconsin avg
▼
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$500
3.41%
▲ 1.87% above Wisconsin avg
▼
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
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate (3 Month)
$1,000
3.40%
▲ 1.86% above Wisconsin avg
▼
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
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 3 Month
$0
3.25%
▲ 1.71% above Wisconsin avg
▼
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
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month Certificate of Deposit
$25,000
3.15%
▲ 1.61% above Wisconsin avg
▼
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
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month Certificate of Deposit
$1,000
3.05%
▲ 1.51% above Wisconsin avg
▼
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
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3-Month CD
$1,000
3.03%
▲ 1.49% above Wisconsin avg
▼
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%
- 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%
Certificate - 3 Month
$0
3.00%
▲ 1.46% above Wisconsin avg
▼
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
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificate Special - 3 Months
$0
3.00%
▲ 1.46% above Wisconsin avg
▼
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
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificates - 3 Months
$0
3.00%
▲ 1.46% above Wisconsin avg
▼
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
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Certificate
$2,500
2.85%
▲ 1.31% above Wisconsin avg
▼
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
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85%
▲ 1.31% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificates
$0
2.85%
▲ 1.31% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Regular Certificate
$0
2.85%
▲ 1.31% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Certificates - 3 Months
$0
2.85%
▲ 1.31% above Wisconsin avg
▼
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
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3 Month Fixed Rate Certificate of Deposit
$1,000
2.83%
▲ 1.29% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificates - Regular
$0
2.80%
▲ 1.26% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificates
$0
2.80%
▲ 1.26% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Certificates - 3 Months
$0
2.80%
▲ 1.26% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificate - Regular
$0
2.75%
▲ 1.21% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificates
$0
2.75%
▲ 1.21% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Certificates - 3 Months
$0
2.75%
▲ 1.21% above Wisconsin avg
▼
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
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Certificate
$500
2.52%
▲ 0.98% above Wisconsin avg
▼
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%
- 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%
32 - 90 Days Certificate
$500
2.52%
▲ 0.98% above Wisconsin avg
▼
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
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 90 Day
$1,000
2.52%
▲ 0.98% above Wisconsin avg
▼
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
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-month CD
$0
2.50%
▲ 0.96% above Wisconsin avg
▼
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
Sheboygan 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
6 Month Certificate Special
$0
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 6 Month
$0
3.50%
▲ 1.10% above Wisconsin avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.10% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 6 Month
$1,000
3.28%
▲ 0.88% above Wisconsin avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.88% above avgNationally 2.77%
Details
Dividend Period: Maturity; Certificates for $10,000 or more with these terms - add 0.25% to APY
Rate History
No change since Oct 13, 2026 · 3.28% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 6 Month
$0
3.20%
▲ 0.80% above Wisconsin avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 0.80% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
6 Month Jumbo Certificates
$0
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.77%
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 · 2.30% → 3.05% ▲ 0.75 pts · high 3.05% / low 2.30%
- Oct 13, 20263.05%▲ from 2.30%
- Sep 22, 20262.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
6 Month Certificates
$0
3.00%
▲ 0.60% above Wisconsin avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.77%
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 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
- Oct 13, 20263.00%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
6 Month Certificate of Deposit
$1,000
2.28%
▼ 0.12% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▼ 0.12% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 6 Month
$0
1.76%
▼ 0.64% below Wisconsin avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 0.64% below avgNationally 2.77%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 1.76% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
6 month Standard Fixed Rate
$2,500
0.06%
▼ 2.34% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▼ 2.34% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.34% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▼ 2.34% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
6 Month IRA Certificates
$0
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.77%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
6 Month Standard CD
$0
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.77%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 Month Youth Share Certificate
$100
5.06%
▲ 2.66% above Wisconsin avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.66% above avgNationally 2.77%
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
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month Loyalty Certificate Promo
$0
4.59%
▲ 2.19% above Wisconsin avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.19% above avgNationally 2.77%
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
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50%
▲ 2.10% above Wisconsin avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.10% above avgNationally 2.77%
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
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Month Certificate of Deposit
$500
4.40%
▲ 2.00% above Wisconsin avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 2.00% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 4.40% APY · checked 6 times
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificates of Deposits - 6 months
$1,000
4.30%
▲ 1.90% above Wisconsin avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.90% above avgNationally 2.77%
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
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25%
▲ 1.85% above Wisconsin avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.77%
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%
- 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%
Jumbo Certificates and IRAs - 6 Months
$0
4.25%
▲ 1.85% above Wisconsin avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.77%
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Oct 13, 2026 · 4.25% APY
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
6 Month Certificate of Deposit (CD)
$0
4.18%
▲ 1.78% above Wisconsin avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.78% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
- 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%
6 Month IRA Certificate
$0
4.11%
▲ 1.71% above Wisconsin avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.71% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 1.51% → 4.11% ▲ 2.60 pts · high 4.11% / low 1.51%
- Oct 7, 20264.11%▲ from 1.51%
- Sep 14, 20261.51%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 6 Month
$0
4.10%
▲ 1.70% above Wisconsin avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details
Early withdrawal penalty: 90 days
Rate History
No change since Oct 13, 2026 · 4.10% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10%
▲ 1.70% above Wisconsin avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
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%
- 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%
6-MONTH CD
$2,500
4.10%
▲ 1.70% above Wisconsin avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00%
▲ 1.60% above Wisconsin avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- 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%
Certificates of Deposit Special - 6 Month
$500
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month IRA Certificate
$1,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit (CDs) - 6 Month
$1,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Alliance Bank WI
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month CD Special
$500
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Fixed Rate Special
$5,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- 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%
Business 6 Month Certificate of Deposit
$100,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD
$1,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- 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%
6 Month Certificate
$500
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Special; Certificates & IRAs; Compounding: At Maturity
Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (6 Month)
$10,000
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
*No IRA Available
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
4.00%
▲ 1.60% above Wisconsin avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
6 Month Share Certificate
$0
3.92%
▲ 1.52% above Wisconsin avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.52% above avgNationally 2.77%
Details
Dividend Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Bank of Luxemburg
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month CD
$1,000
3.90%
▲ 1.50% above Wisconsin avg
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Certificate
$2,500
3.90%
▲ 1.50% above Wisconsin avg
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$0
3.90%
▲ 1.50% above Wisconsin avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD / IRA
$500
3.90%
▲ 1.50% above Wisconsin avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
6 Month Certificate
$1,000
3.86%
▲ 1.46% above Wisconsin avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.46% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Certificate Special
$10,000
3.82%
▲ 1.42% above Wisconsin avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month CD
$75,000
3.82%
▲ 1.42% above Wisconsin avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.77%
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%
- 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%
Business 6 Month Certificate of Deposit
$25,000
3.80%
▲ 1.40% above Wisconsin avg
▼
Rate3.75%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.77%
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80%
▲ 1.40% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.77%
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Certificates - 6 Months
$1,000
3.80%
▲ 1.40% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.77%
Details
Dividends compounded quarterly; early withdrawal penalty 180 days interest
Rate History
No change since Oct 13, 2026 · 3.80% APY
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
6 Month CD/IRA
$2,000
3.75%
▲ 1.35% above Wisconsin avg
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$5,000
3.75%
▲ 1.35% above Wisconsin avg
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.77%
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%
- 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%
Share Certificates - 6 months
$1,000
3.75%
▲ 1.35% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.77%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Oct 12, 2026 · 3.75% APY
Sheboygan 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.35% above Wisconsin avg
▼
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%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.30% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
12 Month Jumbo Certificates
$0
4.05%
▲ 1.25% above Wisconsin avg
▼
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%
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 12 Month
$0
4.00%
▲ 1.20% above Wisconsin avg
▼
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%
- Sep 24, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
12 Month Certificates
$0
4.00%
▲ 1.20% above Wisconsin avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
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 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 13, 20264.00%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 12 Month
$0
3.70%
▲ 0.90% above Wisconsin avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 0.90% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Sep 24, 20263.70%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 1 Year
$1,000
3.00%
▲ 0.20% above Wisconsin avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.20% above avgNationally 2.99%
Details
Dividend Period: Annually; Certificates for $10,000 or more with these terms - add 0.25% to APY
Rate History
No change since Oct 13, 2026 · 3.00% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 1 Year Jumbo
$0
2.85%
▲ 0.05% above Wisconsin avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.05% above avgNationally 2.99%
Details
Jumbo
Rate History
No change since Oct 13, 2026 · 2.85% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 1 Year Jumbo
$0
2.85%
▲ 0.05% above Wisconsin avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.05% above avgNationally 2.99%
Details
Jumbo certificate
Rate History
No change since Oct 13, 2026 · 2.85% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 1 Year
$0
2.75%
▼ 0.05% below Wisconsin avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 0.05% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 1 Year
$0
2.75%
▼ 0.05% below Wisconsin avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 0.05% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
12 Month Certificate of Deposit
$1,000
2.28%
▼ 0.52% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 0.52% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 1 Year
$0
1.76%
▼ 1.04% below Wisconsin avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 1.04% below avgNationally 2.99%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 1.76% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.29% below Wisconsin avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 1.29% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.29% below Wisconsin avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 1.29% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
636 Wisconsin Ave, Sheboygan, WI 53081
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.30% below Wisconsin avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 1.30% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
12 Month IRA Certificates
$0
0.75%
▼ 2.05% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▼ 2.05% below avgNationally 2.99%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
12 Month Standard CD
$0
0.75%
▼ 2.05% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.80%▼ 2.05% below avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Youth Saver Certificate
$100
6.00%
▲ 3.20% above Wisconsin avg
▼
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50%
▲ 2.70% above Wisconsin avg
▼
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
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate
$0
4.63%
▲ 1.83% above Wisconsin avg
▼
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%
- 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%
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.79% above Wisconsin avg
▼
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%
- 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%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59%
▲ 1.79% above Wisconsin avg
▼
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%
- 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%
12 Month CD Special
$1,000
4.50%
▲ 1.70% above Wisconsin avg
▼
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%
- 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%
12 Month IRA Certificates
$500
4.50%
▲ 1.70% above Wisconsin avg
▼
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%
- 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%
IRA Certificates - CD Special 12 months
$500
4.50%
▲ 1.70% above Wisconsin avg
▼
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
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 12 Months
$0
4.50%
▲ 1.70% above Wisconsin avg
▼
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
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.64% above Wisconsin avg
▼
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%
- 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%
Certificates of Deposit (CD) - 12-Month
$500
4.44%
▲ 1.64% above Wisconsin avg
▼
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%
- 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%
12 Month Certificate
$0
4.40%
▲ 1.60% above Wisconsin avg
▼
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
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Open Certificate Account
$0
4.40%
▲ 1.60% above Wisconsin avg
▼
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35%
▲ 1.55% above Wisconsin avg
▼
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%
- 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%
IRA Certificates - 12 month
$1,000
4.35%
▲ 1.55% above Wisconsin avg
▼
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
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month Certificate
$0
4.30%
▲ 1.50% above Wisconsin avg
▼
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
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Month CD & IRA
$1,000
4.30%
▲ 1.50% above Wisconsin avg
▼
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
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$0
4.30%
▲ 1.50% above Wisconsin avg
▼
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
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Share Certificate
$100
4.30%
▲ 1.50% above Wisconsin avg
▼
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
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Business Certificates - 12 month
$100
4.30%
▲ 1.50% above Wisconsin avg
▼
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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30%
▲ 1.50% above Wisconsin avg
▼
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%
- 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%
12-MONTH CD
$500
4.30%
▲ 1.50% above Wisconsin avg
▼
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%
- 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%
12 Month Certificate of Deposit (CD)
$0
4.29%
▲ 1.49% above Wisconsin avg
▼
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%
- 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%
12 Month Certificate of Deposit
$500
4.25%
▲ 1.45% above Wisconsin avg
▼
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
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
12 Month CD/IRA
$2,000
4.25%
▲ 1.45% above Wisconsin avg
▼
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Youngster (Age 0-12) - 12 Month Term (Deposit Certificate)
$100
4.25%
▲ 1.45% above Wisconsin avg
▼
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
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.45% above Wisconsin avg
▼
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
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate - 12 Months
$100
4.25%
▲ 1.45% above Wisconsin avg
▼
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
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 1 year
$0
4.24%
▲ 1.44% above Wisconsin avg
▼
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%
- 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%
IRA Certificate - 1 year
$0
4.24%
▲ 1.44% above Wisconsin avg
▼
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%
- 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%
Business 1 Year Certificate of Deposit
$100,000
4.20%
▲ 1.40% above Wisconsin avg
▼
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
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
12 Month Certificate Special
$2,500
4.10%
▲ 1.30% above Wisconsin avg
▼
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%
- Oct 7, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Sheboygan 18 Month CD Rates
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%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 18 Month
$0
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 18 Month
$0
3.95%
▲ 1.14% above Wisconsin avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.14% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Sep 24, 20263.95%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 18-month
$0
3.40%
▲ 0.59% above Wisconsin avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.59% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.40% ▲ 0.24 pts · high 3.40% / low 3.16%
- Oct 5, 20263.40%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 18-month IRA
$0
3.35%
▲ 0.54% above Wisconsin avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.35% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
18 Month Jumbo Certificates
$0
3.30%
▲ 0.49% above Wisconsin avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.88%
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% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 13, 20263.30%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
18 Month Certificates
$0
3.25%
▲ 0.44% above Wisconsin avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.88%
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 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 13, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 18 Month
$0
2.60%
▼ 0.21% below Wisconsin avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▼ 0.21% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.60% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 18 Month
$0
2.60%
▼ 0.21% below Wisconsin avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▼ 0.21% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.60% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
18 Month Certificate of Deposit
$1,000
2.28%
▼ 0.53% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▼ 0.53% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
18 Month IRA Certificates
$0
0.75%
▼ 2.06% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
18 Month Standard CD
$0
0.75%
▼ 2.06% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo Variable Rate IRA
$500
4.84%
▲ 2.03% above Wisconsin avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.81%▲ 2.03% above avgNationally 2.88%
Details
18 mo Certificate of Deposit; Interest credited Quarterly; Variable
Rate History
No change since Oct 12, 2026 · 4.84% APY
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA Certificates - 18 month
$1,000
4.75%
▲ 1.94% above Wisconsin avg
▼
Rate4.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.94% above avgNationally 2.88%
Details
Substantial penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.75% APY
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Share Certificate
$100
4.70%
▲ 1.89% above Wisconsin avg
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.89% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.70% APY
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Business Certificates - 18 month
$100
4.70%
▲ 1.89% above Wisconsin avg
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.89% above avgNationally 2.88%
Details
Substantial penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.70% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.68% above Wisconsin avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- 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%
Certificates of Deposit (CD) - 18-Month
$500
4.49%
▲ 1.68% above Wisconsin avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- 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%
18 Month Variable Rate IRA - Basic MVP Level
$0
4.49%
▲ 1.68% above Wisconsin avg
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Compounded: Daily; MVP Level: Basic
Rate History
No change since Oct 13, 2026 · 4.49% APY
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Gold MVP Level
$0
4.49%
▲ 1.68% above Wisconsin avg
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Compounded: Daily; MVP Level: Gold
Rate History
No change since Oct 13, 2026 · 4.49% APY
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Silver MVP Level
$0
4.49%
▲ 1.68% above Wisconsin avg
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Compounded: Daily; MVP Level: Silver
Rate History
No change since Oct 13, 2026 · 4.49% APY
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
18 Month Certificate of Deposit (CD)
$0
4.41%
▲ 1.60% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.60% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
- 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%
18 Month Certificate
$0
4.40%
▲ 1.59% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Open Certificate Account
$0
4.40%
▲ 1.59% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40%
▲ 1.59% above Wisconsin avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.81%▲ 1.59% 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 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- 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%
18 Month Certificate of Deposit
$500
4.35%
▲ 1.54% above Wisconsin avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▲ 1.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- 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%
18 Month IRA
$0
4.35%
▲ 1.54% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▲ 1.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- 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%
18 Month Certificate of Deposit
$0
4.34%
▲ 1.53% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.34% APY
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate
$0
4.34%
▲ 1.53% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.34% APY
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 18 months
$0
4.34%
▲ 1.53% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
- 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%
IRA Certificate - 18 months
$0
4.34%
▲ 1.53% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
- 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%
18 Month Certificate
$0
4.30%
▲ 1.49% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.88%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 Month Certificate of Deposit
$500
4.30%
▲ 1.49% above Wisconsin avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 6 times
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month Share Certificate Special
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
$100 Minimum
Rate History
No change since Oct 13, 2026 · 4.25% APY
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate - 18 Months
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
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
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate Special - 18 Months
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Share Certificate Special section
Rate History
No change since Oct 13, 2026 · 4.25% APY
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificates - Special 18 Months
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Special certificate; $100 minimum to open or earn dividends
Rate History
No change since Oct 13, 2026 · 4.25% APY
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-Month Certificate
$0
4.25%
▲ 1.44% above Wisconsin avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25%
▲ 1.44% above Wisconsin avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (18 Month)
$10,000
4.20%
▲ 1.39% above Wisconsin avg
▼
Rate4.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15%
▲ 1.34% above Wisconsin avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- 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%
18-Month CD
$1,000
4.15%
▲ 1.34% above Wisconsin avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
- 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%
CDs & Fixed Rate IRA CDs - 18 mo.
$0
4.15%
▲ 1.34% above Wisconsin avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 2 times
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 18 mo.
$0
4.05%
▲ 1.24% above Wisconsin avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.81%▲ 1.24% above avgNationally 2.88%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 2 times
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA CD
$10,000
4.00%
▲ 1.19% above Wisconsin avg
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.88%
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%
- Oct 3, 20264.00%▲ from 3.25%
- Sep 14, 20263.25%first recorded
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 Month Certificate of Deposit Options
$250
3.92%
▲ 1.11% above Wisconsin avg
▼
Rate3.86%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.92% APY · checked 4 times
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
CD Specials - 18 months
$5,000
3.85%
▲ 1.04% above Wisconsin avg
▼
Rate3.84%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.04% above avgNationally 2.88%
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%
- Oct 2, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IRA CD Specials - 18 month
$300
3.85%
▲ 1.04% above Wisconsin avg
▼
Rate3.84%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.04% above avgNationally 2.88%
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%
- 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%
Certificates - 18 Months
$1,000
3.80%
▲ 0.99% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.99% above avgNationally 2.88%
Details
Dividends compounded quarterly; early withdrawal penalty 180 days interest
Rate History
No change since Oct 13, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80%
▲ 0.99% above Wisconsin avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.81%▲ 0.99% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 10, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Sheboygan 24 Month CD Rates
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%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 24 Month
$0
4.50%
▲ 1.61% above Wisconsin avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.61% 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%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 24 Month
$0
4.20%
▲ 1.31% above Wisconsin avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.31% 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%
- Sep 24, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 24-month
$0
3.65%
▲ 0.76% above Wisconsin avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.76% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.65% ▲ 0.49 pts · high 3.65% / low 3.16%
- Oct 5, 20263.65%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 24-month IRA
$0
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.60% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
24 Month Jumbo Certificates
$0
3.55%
▲ 0.66% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.66% above avgNationally 2.88%
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% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05%
- Oct 13, 20263.55%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
24 Month Certificates
$0
3.50%
▲ 0.61% above Wisconsin avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.61% above avgNationally 2.88%
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 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 13, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 2 Year Jumbo
$0
2.80%
▼ 0.09% below Wisconsin avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.09% below avgNationally 2.88%
Details
Jumbo
Rate History
No change since Oct 13, 2026 · 2.80% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 2 Year Jumbo
$0
2.80%
▼ 0.09% below Wisconsin avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.09% below avgNationally 2.88%
Details
Jumbo certificate
Rate History
No change since Oct 13, 2026 · 2.80% APY
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 2 Year
$1,000
2.75%
▼ 0.14% below Wisconsin avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.88%
Details
Dividend Period: Annually
Rate History
No change since Oct 13, 2026 · 2.75% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 2 Year
$0
2.70%
▼ 0.19% below Wisconsin avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.19% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.70% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 2 Year
$0
2.70%
▼ 0.19% below Wisconsin avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.19% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.70% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
24 Month Certificate of Deposit
$1,000
2.28%
▼ 0.61% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▼ 0.61% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 2 Year
$0
2.02%
▼ 0.87% below Wisconsin avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.87% below avgNationally 2.88%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 2.02% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
24 Month IRA Certificates
$0
0.75%
▼ 2.14% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
24 Month Standard CD
$0
0.75%
▼ 2.14% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
24 Month Certificate of Deposit (CD)
$0
4.52%
▲ 1.63% above Wisconsin avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.63% 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%
- Oct 13, 20264.52%▲ from 4.45%
- Oct 5, 20264.45%▼ from 4.52%
- Sep 21, 20264.52%first recorded
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
24 Month CD/IRA
$2,000
4.50%
▲ 1.61% above Wisconsin avg
▼
Rate4.43%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 7 times
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year IRA Certificate
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 2 years
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% 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%
- 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%
IRA Certificate - 2 years
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% 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%
- 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%
2 Year Certificate
$0
4.40%
▲ 1.51% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2 Year Open Certificate Account
$0
4.40%
▲ 1.51% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year CD
$1,000
4.40%
▲ 1.51% above Wisconsin avg
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 6 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus CD / IRA
$5,000
4.40%
▲ 1.51% above Wisconsin avg
▼
Rate4.33%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.51% 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
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 1/2 Year Certificate of Deposit
$500
4.35%
▲ 1.46% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Year Certificate of Deposit
$500
4.35%
▲ 1.46% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 6 times
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35%
▲ 1.46% above Wisconsin avg
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month Certificate
$0
4.30%
▲ 1.41% above Wisconsin avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.41% above avgNationally 2.88%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.39% above Wisconsin avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.39% 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%
- 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%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28%
▲ 1.39% above Wisconsin avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.39% 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%
- 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%
24 Month CD
$500
4.25%
▲ 1.36% above Wisconsin avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.36% 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%
- 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%
24-Month Fixed Rate CD Special
$2,500
4.25%
▲ 1.36% above Wisconsin avg
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.36% 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%
- 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%
24-Month Certificate
$0
4.25%
▲ 1.36% above Wisconsin avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25%
▲ 1.36% above Wisconsin avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.89%▲ 1.36% 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%
- 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%
24-MONTH CD
$500
4.25%
▲ 1.36% above Wisconsin avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.89%▲ 1.36% 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%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year Certificate of Deposit
$100,000
4.20%
▲ 1.31% above Wisconsin avg
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.31% 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
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
IRA Certificate 2 Year
$1
4.15%
▲ 1.26% above Wisconsin avg
▼
Rate4.09%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2 Year Certificate
$1,000
4.15%
▲ 1.26% above Wisconsin avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.26% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 6 times
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.13%
▲ 1.24% above Wisconsin avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.24% 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
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$500
4.13%
▲ 1.24% above Wisconsin avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.24% 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%
- 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%
Certificates of Deposit (CD) - 24-Month
$500
4.13%
▲ 1.24% above Wisconsin avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.24% 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%
- 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%
24 Month Certificate
$0
4.06%
▲ 1.17% above Wisconsin avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.17% 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%
- 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%
24 mo Certificate of Deposit
$500
4.05%
▲ 1.16% above Wisconsin avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.16% 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
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24-Month CD
$1,000
4.04%
▲ 1.15% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.15% 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%
- 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%
24 Month Share Certificates and IRA Certificates
$1,000
4.01%
▲ 1.12% above Wisconsin avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.12% 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
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 24 Months
$0
4.01%
▲ 1.12% above Wisconsin avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.01% APY
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00%
▲ 1.11% above Wisconsin avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.11% 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%
- 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%
2 Year Certificate of Deposit
$500
4.00%
▲ 1.11% above Wisconsin avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year IRA
$0
4.00%
▲ 1.11% above Wisconsin avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Sheboygan 36 Month CD Rates
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%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 36 Month
$0
4.60%
▲ 1.74% above Wisconsin avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.74% 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%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 36 Month
$0
4.10%
▲ 1.24% above Wisconsin avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.24% 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%
- Sep 24, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.05% above Wisconsin avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.05% 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%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.99% 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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
36 Month Jumbo Certificates
$0
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.94% 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%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
36 Month Certificates
$0
3.75%
▲ 0.89% above Wisconsin avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.89% above avgNationally 2.81%
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 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 13, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 3 Year
$1,000
2.55%
▼ 0.31% below Wisconsin avg
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▼ 0.31% below avgNationally 2.81%
Details
Dividend Period: Annually
Rate History
No change since Oct 13, 2026 · 2.55% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 3 Year
$0
2.50%
▼ 0.36% below Wisconsin avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▼ 0.36% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 3 Year
$0
2.50%
▼ 0.36% below Wisconsin avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▼ 0.36% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
36 Month Certificate of Deposit
$1,000
2.28%
▼ 0.58% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▼ 0.58% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 3 Year
$0
2.07%
▼ 0.79% below Wisconsin avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▼ 0.79% below avgNationally 2.81%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 2.07% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
36 Month IRA Certificates
$0
0.75%
▼ 2.11% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
36 Month Standard CD
$0
0.75%
▼ 2.11% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
36-Month Teen Certificate Special
$500
5.13%
▲ 2.27% above Wisconsin avg
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 2.27% 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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3-Year CD
$1,000
4.50%
▲ 1.64% above Wisconsin avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.64% 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%
- 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%
36 Month Certificate - 10% New Money
$500
4.50%
▲ 1.64% above Wisconsin avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.64% 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
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Month Certificate of Deposit, IRA, or HSA
$2,500
4.45%
▲ 1.59% above Wisconsin avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.59% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.45% APY
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
HSA 36 Month Certificate of Deposit
$2,500
4.45%
▲ 1.59% above Wisconsin avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.59% 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
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
3 Year Certificate
$0
4.40%
▲ 1.54% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
3 Year Open Certificate Account
$0
4.40%
▲ 1.54% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$500
4.40%
▲ 1.54% above Wisconsin avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.54% 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
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39%
▲ 1.53% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.53% 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
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35%
▲ 1.49% above Wisconsin avg
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.47% above Wisconsin avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.47% 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%
- 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%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33%
▲ 1.47% above Wisconsin avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.47% 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%
- 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%
36 mo Certificate of Deposit
$500
4.30%
▲ 1.44% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.44% 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
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Year Certificate of Deposit
$500
4.27%
▲ 1.41% above Wisconsin avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.41% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 6 times
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.20%
▲ 1.34% above Wisconsin avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 1.34% 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%
- 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%
Business 3 Year Certificate of Deposit
$100,000
4.20%
▲ 1.34% above Wisconsin avg
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.34% 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
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.32% above Wisconsin avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.32% 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%
- 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%
Certificates of Deposit (CD) - 36-Month
$500
4.18%
▲ 1.32% above Wisconsin avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.32% 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%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 3 Year
$0
4.15%
▲ 1.29% above Wisconsin avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.29% 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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 36-Month
$250
4.06%
▲ 1.20% above Wisconsin avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.20% above avgNationally 2.81%
Details
Dividends Paid: Quarterly; $250 minimum to open
Rate History
No change since Oct 13, 2026 · 4.06% APY
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36-Month CD
$1,000
4.04%
▲ 1.18% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 1.18% 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%
- Oct 7, 20264.04%▲ from 2.87%
- Sep 27, 20262.87%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
36 Month CD / IRA
$1,000
4.00%
▲ 1.14% above Wisconsin avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.14% 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%
- 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%
Business 3 Year Certificate of Deposit
$25,000
4.00%
▲ 1.14% above Wisconsin avg
▼
Rate3.94%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.14% 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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00%
▲ 1.14% above Wisconsin avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.86%▲ 1.14% 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%
- 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%
36 Month IRA CD
$1,000
3.94%
▲ 1.08% above Wisconsin avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.08% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year Certificate of Deposit
$1,000
3.90%
▲ 1.04% above Wisconsin avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.04% 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
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month CD
$1,000
3.89%
▲ 1.03% above Wisconsin avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.89% APY · checked 3 times
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month HSA CD
$1,000
3.89%
▲ 1.03% above Wisconsin avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.89% APY · checked 7 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate
$0
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 0.99% 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%
- 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%
Share/IRA Certificates - 36 Months
$0
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.85% APY
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificates
$5,000
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.99% 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%
- Oct 13, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (3 Year)
$1,000
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.99% 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%
- 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%
3-year CD Rate
$1,000
3.81%
▲ 0.95% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.86%▲ 0.95% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.81% APY · checked 4 times
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate of Deposit
$500
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 0.94% 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%
- 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%
3 Year IRA
$0
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 0.94% 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%
- 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%
36 Month Certificate
$0
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 0.94% 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%
- 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%
36-Month Term Certificate
$0
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 0.94% above avgNationally 2.81%
Details
Balance: $30,000 and over
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Sheboygan 48 Month CD Rates
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%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 48 Month
$0
4.70%
▲ 1.95% above Wisconsin avg
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.95% 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%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 48 Month
$0
4.20%
▲ 1.45% above Wisconsin avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.45% 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%
- Sep 24, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.40% above Wisconsin avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.40% 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%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.35% above Wisconsin avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.35% 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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
48 Month Jumbo Certificates
$0
4.05%
▲ 1.30% above Wisconsin avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.30% 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%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 4 Year
$1,000
2.50%
▼ 0.25% below Wisconsin avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.25% below avgNationally 2.80%
Details
Dividend Period: Annually
Rate History
No change since Oct 13, 2026 · 2.50% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
48 Month Certificate of Deposit
$1,000
2.28%
▼ 0.47% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▼ 0.47% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 4 Year Jumbo
$0
2.21%
▼ 0.54% below Wisconsin avg
▼
Rate2.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.54% below avgNationally 2.80%
Details
Jumbo
Rate History
No change since Oct 13, 2026 · 2.21% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 4 Year Jumbo
$0
2.21%
▼ 0.54% below Wisconsin avg
▼
Rate2.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.54% below avgNationally 2.80%
Details
Jumbo certificate
Rate History
No change since Oct 13, 2026 · 2.21% APY
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 4 Year
$0
2.12%
▼ 0.63% below Wisconsin avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.63% below avgNationally 2.80%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 2.12% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share Certificate - 4 Year
$0
2.11%
▼ 0.64% below Wisconsin avg
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.64% below avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 2.11% APY
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2122 Superior Ave, Sheboygan, WI 53081 2246
Share/IRA Certificate - 4 Year
$0
2.11%
▼ 0.64% below Wisconsin avg
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▼ 0.64% below avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 2.11% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
48 Month IRA Certificates
$0
0.75%
▼ 2.00% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.75%▼ 2.00% below avgNationally 2.80%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
48 Month Standard CD
$0
0.75%
▼ 2.00% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.75%▼ 2.00% below avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4 Year Certificate
$0
4.40%
▲ 1.65% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4 Year Open Certificate Account
$0
4.40%
▲ 1.65% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40%
▲ 1.65% above Wisconsin avg
▼
Rate4.33%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39%
▲ 1.64% above Wisconsin avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.64% 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%
- 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%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39%
▲ 1.64% above Wisconsin avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.64% 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%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 4 Year
$0
4.35%
▲ 1.60% above Wisconsin avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.60% 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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month CD / IRA
$1,000
4.25%
▲ 1.50% above Wisconsin avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.50% 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%
- 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%
Business 4 Year Certificate of Deposit
$100,000
4.25%
▲ 1.50% above Wisconsin avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.50% 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
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.48% above Wisconsin avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.48% 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%
- 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%
Certificates of Deposit (CD) - 48-Month
$500
4.23%
▲ 1.48% above Wisconsin avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.48% 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%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA CD
$25,000
4.20%
▲ 1.45% above Wisconsin avg
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.45% 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%
- 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%
48 Month Share Certificates
$0
4.15%
▲ 1.40% above Wisconsin avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.40% 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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 48-Month
$250
4.13%
▲ 1.38% above Wisconsin avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.38% above avgNationally 2.80%
Details
Dividends Paid: Quarterly; $250 minimum to open
Rate History
No change since Oct 13, 2026 · 4.13% APY
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year Certificate of Deposit
$25,000
4.05%
▲ 1.30% above Wisconsin avg
▼
Rate3.99%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.30% 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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year CD
$1,000
4.00%
▲ 1.25% above Wisconsin avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month IRA CD
$1,000
3.99%
▲ 1.24% above Wisconsin avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.24% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.96%
▲ 1.21% above Wisconsin avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.21% 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%
- 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%
Business 4 Year Certificate of Deposit
$1,000
3.95%
▲ 1.20% above Wisconsin avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.20% 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
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month CD
$1,000
3.94%
▲ 1.19% above Wisconsin avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.19% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 3 times
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month HSA CD
$1,000
3.94%
▲ 1.19% above Wisconsin avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.19% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate of Deposit
$500
3.90%
▲ 1.15% above Wisconsin avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.15% 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%
- 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%
4 Year IRA
$0
3.90%
▲ 1.15% above Wisconsin avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.15% 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%
- 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%
Share/IRA Certificates - 48 Months
$0
3.90%
▲ 1.15% above Wisconsin avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.15% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (4 Year)
$1,000
3.90%
▲ 1.15% above Wisconsin avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.15% 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%
- 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%
48 Month Certificate
$0
3.85%
▲ 1.10% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.10% 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%
- 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%
48 Months CD
$0
3.85%
▲ 1.10% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.10% 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%
- 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%
Certificate - 48-Month
$1,000
3.85%
▲ 1.10% above Wisconsin avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.10% above avgNationally 2.80%
Details
Compounds Quarterly
Rate History
No change since Oct 13, 2026 · 3.85% APY
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
4 Year Certificate of Deposit
$100
3.80%
▲ 1.05% above Wisconsin avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.05% above avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 48 Month
$500
3.80%
▲ 1.05% above Wisconsin avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.05% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.80% APY
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Month Fixed Rate Certificate of Deposit
$500
3.76%
▲ 1.01% above Wisconsin avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.01% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.76% APY · checked 2 times
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
Wisconsin Average2.75%▲ 1.00% 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%
- 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%
48 Month Certificate
$0
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.00% 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%
- 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%
48 Months CD
$0
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.00% 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%
- 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%
4 Year Certificate
$1,000
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.00% 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
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificate - 48 Month - Traditional or Roth
$1,000
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.00% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.75%
▲ 1.00% above Wisconsin avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.00% 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
Sheboygan 60 Month CD Rates
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%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
Relationship CD - 60 Month
$0
4.75%
▲ 1.77% above Wisconsin avg
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.77% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.68% above Wisconsin avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.68% above avgNationally 2.91%
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%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.63% above Wisconsin avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.63% above avgNationally 2.91%
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
60 Month Jumbo Certificates
$0
4.55%
▲ 1.57% above Wisconsin avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.57% above avgNationally 2.91%
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%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
730 N 9th St, Sheboygan, WI 53081
60 Month Certificates
$0
4.50%
▲ 1.52% above Wisconsin avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
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%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
2108 Kohler Memorial Dr, Sheboygan, WI 53081
CD - 60 Month
$0
4.25%
▲ 1.27% above Wisconsin avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.27% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 24, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1707 Indiana Ave, Sheboygan, WI 53081
Term Share Certificate - 5 Year
$1,000
2.50%
▼ 0.48% below Wisconsin avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▼ 0.48% below avgNationally 2.91%
Details
Dividend Period: Annually
Rate History
No change since Oct 13, 2026 · 2.50% APY
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2600 Kohler Memorial Dr, Sheboygan, WI 53081
60 Month Certificate of Deposit
$1,000
2.28%
▼ 0.70% below Wisconsin avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▼ 0.70% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
831 S Taylor Dr, Sheboygan, WI 53081 4770
Certificates - 5 Year
$0
2.22%
▼ 0.76% below Wisconsin avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▼ 0.76% below avgNationally 2.91%
Details
Featured Rate; Dividend Period: Monthly
Rate History
No change since Oct 13, 2026 · 2.22% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
60 Month IRA Certificates
$0
0.75%
▼ 2.23% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.98%▼ 2.23% below avgNationally 2.91%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1441 N Taylor Dr, Sheboygan, WI 53081
60 Month Standard CD
$0
0.75%
▼ 2.23% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.98%▼ 2.23% below avgNationally 2.91%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 60-Month
$250
5.15%
▲ 2.17% above Wisconsin avg
▼
Rate5.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 2.17% above avgNationally 2.91%
Details
Dividends Paid: Quarterly; $250 minimum to open
Rate History
No change since Oct 13, 2026 · 5.15% APY
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
60-Month Youth Certificate Special
$500
4.60%
▲ 1.62% above Wisconsin avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.62% above avgNationally 2.91%
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
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54%
▲ 1.56% above Wisconsin avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.56% above avgNationally 2.91%
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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month CD / IRA
$1,000
4.50%
▲ 1.52% above Wisconsin avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 2, 20264.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 5 Year
$0
4.50%
▲ 1.52% above Wisconsin avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
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
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.45%
▲ 1.47% above Wisconsin avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.47% above avgNationally 2.91%
Details
Opening Balance: Under $10,000; Interest credited Annually; Fixed
Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (5 Year)
$10,000
4.45%
▲ 1.47% above Wisconsin avg
▼
Rate4.38%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.47% above avgNationally 2.91%
Details
Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 1.46% above Wisconsin avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- 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%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44%
▲ 1.46% above Wisconsin avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.46% above avgNationally 2.91%
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%
- 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%
5 Year Certificate
$0
4.40%
▲ 1.42% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.42% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
5 Year Open Certificate Account
$0
4.40%
▲ 1.42% above Wisconsin avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.42% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$5,000
4.30%
▲ 1.32% above Wisconsin avg
▼
Rate4.23%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 1.32% above avgNationally 2.91%
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%
- 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%
Business 5 Year Certificate of Deposit
$100,000
4.30%
▲ 1.32% above Wisconsin avg
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.32% above avgNationally 2.91%
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.30% above Wisconsin avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.30% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- 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%
Certificates of Deposit (CD) - 60-Month
$500
4.28%
▲ 1.30% above Wisconsin avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.30% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Share Certificates
$0
4.15%
▲ 1.17% above Wisconsin avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.17% above avgNationally 2.91%
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
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year Certificate of Deposit
$25,000
4.10%
▲ 1.12% above Wisconsin avg
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.12% above avgNationally 2.91%
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month IRA CD
$1,000
4.09%
▲ 1.11% above Wisconsin avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.11% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 7 times
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5 Year Certificate of Deposit
$1,000
4.06%
▲ 1.08% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 60 Months
$0
4.06%
▲ 1.08% above Wisconsin avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.06% APY
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month CD
$1,000
4.04%
▲ 1.06% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.06% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 3 times
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month HSA CD
$1,000
4.04%
▲ 1.06% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.06% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 7 times
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60-Month CD
$1,000
4.04%
▲ 1.06% above Wisconsin avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 1.06% above avgNationally 2.91%
Details
Rate History
1 change since Sep 27, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- 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%
5 Year Certificate of Deposit
$500
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- 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%
5 Year IRA
$0
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- 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%
Business 5 Year Certificate of Deposit
$1,000
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5-Year CD
$1,000
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate - 5 Year
$0
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Effective October 13, 2026; Penalty for early withdrawal applies
Rate History
No change since Oct 13, 2026 · 4.00% APY
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA Certificate - 5 Year
$0
4.00%
▲ 1.02% above Wisconsin avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.96%
▲ 0.98% above Wisconsin avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 0.98% above avgNationally 2.91%
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%
- 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%
Certificate - 60-Month
$1,000
3.95%
▲ 0.97% above Wisconsin avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.97% above avgNationally 2.91%
Details
Compounds Quarterly
Rate History
No change since Oct 13, 2026 · 3.95% APY
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (5 Year)
$1,000
3.95%
▲ 0.97% above Wisconsin avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.97% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- 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%
60 Month Fixed Rate Certificate of Deposit
$500
3.87%
▲ 0.89% above Wisconsin avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 0.89% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.87% APY · checked 2 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificate
$0
3.85%
▲ 0.87% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 0.87% above avgNationally 2.91%
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%
- 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%
60 Months CD
$0
3.85%
▲ 0.87% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 0.87% above avgNationally 2.91%
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%
- 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%
60 Month Share Certificates and IRA Certificates
$1,000
3.85%
▲ 0.87% above Wisconsin avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.87% above avgNationally 2.91%
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
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60 Month Certificate
$0
3.85%
▲ 0.87% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.87% above avgNationally 2.91%
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
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
5-year CD Rate
$1,000
3.81%
▲ 0.83% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wisconsin Average2.98%▲ 0.83% above avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 3.81% APY · checked 4 times
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Certificate
$1,000
3.80%
▲ 0.82% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 0.82% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.80% ▲ 0.77 pts · high 3.80% / low 3.03%
- Oct 7, 20263.80%▲ from 3.03%
- Sep 14, 20263.03%first recorded
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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.
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Sheboygan, WI CD Rate Trends
Compare local Sheboygan, 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.
12-Month CD WI Avg
2.803%
▼ 0.006 vs 7 days ago
Wisconsin 12-month CD rates fell 0.006 points over the past 7 days to 2.803% APY.
6-Month CD WI Avg
2.402%
▲ 0.008 vs 7 days ago
Wisconsin 6-month CD rates rose 0.008 points over the past 7 days to 2.402% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.803%
6-Month Forecast
2.803%
Range: 2.60%, 2.95%
12-Month Forecast
3.053%
Range: 2.85%, 3.20%
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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 | 1.538% | $76.90 | $153.80 | $384.50 | $769.00 |
| 6-Month CD | 2.402% | $120.12 | $240.24 | $600.60 | $1,201.20 |
| 12-Month CD | 2.803% | $140.14 | $280.28 | $700.70 | $1,401.40 |
| 18-Month CD | 2.806% | $140.31 | $280.62 | $701.55 | $1,403.10 |
| 24-Month CD | 2.892% | $144.58 | $289.15 | $722.88 | $1,445.75 |
| 36-Month CD | 2.860% | $143.02 | $286.03 | $715.08 | $1,430.15 |
| 48-Month CD | 2.753% | $137.66 | $275.32 | $688.30 | $1,376.60 |
| 60-Month CD | 2.979% | $148.95 | $297.91 | $744.78 | $1,489.55 |
| 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 Sheboygan, Wisconsin Savers
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.538% | $76.90 |
| 2 | 6-Month CD | $5,000 | 2.402% | $120.12 |
| 3 | 12-Month CD | $5,000 | 2.803% | $140.14 |
| 4 | 24-Month CD | $5,000 | 2.892% | $144.58 |
| 5 | 36-Month CD | $5,000 | 2.860% | $143.02 |
| Total ($25,000 invested) | $25,000 | 2.499% blended | $624.76/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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1,922
CD Rates
Tracked in Sheboygan, Wisconsin
Tracked in Sheboygan, Wisconsin
62 Banks
65 Credit Unions
About Our Sheboygan, Wisconsin CD Rate Database
MonitorBankRates tracks 1,922 CD rates from 62 banks and 65 credit unions with locations in Sheboygan, 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: Nicolet Bank offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sheboygan, Wisconsin.
How to Find the Best CD Rates in Sheboygan, Wisconsin
What to compare when shopping for a CD in Sheboygan, Wisconsin
To find the best APYs in Sheboygan, Wisconsin, start with credit unions and online-only banks: Sheboygan, Wisconsin has 65 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 Sheboygan, 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 Sheboygan, Wisconsin: 127 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Sheboygan, Wisconsin savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Sheboygan, Wisconsin money market rates
Sheboygan, Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.4%
National avg: 17.3%
Median Individual Earnings
$41,134
National avg: $47,340
Poverty Rate
12.3%
National avg: 11.1%
Unemployment Rate
2.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At WI 12-mo avg 2.803% APY
15.4% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s WI 12-month CD average of 2.803%, saving 10% of the local median salary ($4,113/year) and putting it in a CD would earn an additional $115 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, Wisconsin as everywhere in the U.S.
Choosing a CD Term in Sheboygan, 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 Sheboygan, Wisconsin savers easier access to their funds. For example, Marine Credit Union is offering its 6 Month Certificate Special at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Nicolet Bank is offering its Relationship CD - 60 Month at 4.75% 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sheboygan, 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 Sheboygan, Wisconsin
Are CD rates in Sheboygan, Wisconsin FDIC insured?
Yes, most established banks in Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, Wisconsin?
Here are recent top rates found for this area:
- Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
- Sheboygan Area Credit Union: 3.28% APY (Term Share Certificate - 6 Month)
- UnitedOne Credit Union: 2.85% APY (Share Certificate - 1 Year Jumbo)
- Bank First, NA: 2.28% APY (12 Month Certificate of Deposit)
- Kohler Credit Union: 2.22% APY (Certificates - 5 Year)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificates)
- CO-OP Credit Union: 6.00% APY (12 Month Youth Saver Certificate)
Rates reflect recent verified offers available in Sheboygan, Wisconsin. Last Updated: October 13, 2026
Sheboygan, 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 Sheboygan, 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.
CD Calculators for Sheboygan, Wisconsin
Sheboygan, Wisconsin CD Calculator
At today’s WI top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Sheboygan, Wisconsin CD LadderWI CD rates currently range from 1.538% (3-month) to 2.860% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sheboygan, Wisconsin CD at 4.75% 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 SavingsWisconsin’s average 12-month CD is 2.803% 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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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