Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
Stevens Point, Wisconsin Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Stevens Point, Wisconsin CD rates include Nicolet BankNicolet Bank5517 Vern Holmes Dr, Stevens Point, WI 54482A+5.0 ★Texas Ratio: 3.26%Real return: +1.55%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.35% APY, Sentry Credit UnionSentry Credit Union1800 N Point Dr, Stevens Point, WI 54481 1253A+5.0 ★Texas Ratio: 2.00%Real return: +1.00%APY minus CPI (February 2026) offering 5 Year Share Certificate at 3.80% APY, Simplicity Credit UnionSimplicity Credit Union3101 Hoover Rd, Stevens Point, WI 54481A5.0 ★Texas Ratio: 6.40%Real return: +0.95%APY minus CPI (February 2026) offering 12-Month HSA Share Certificate at 3.75% APY, Central Wisconsin Credit UnionCentral Wisconsin Credit Union2201 Division St, Stevens Point, WI 54481 3662A+5.0 ★Texas Ratio: 0.89%Real return: +0.91%APY minus CPI (February 2026) offering 5 Year CD at 3.71% APY, and University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union809 Division St, Stevens Point, WI 54481A+5.0 ★Texas Ratio: 3.95%Real return: +0.80%APY minus CPI (February 2026) offering Rate Bump - 24 Months at 3.60% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Stevens Point has 182 local institutions in our database, with CD rates as high as 4.35% APY from Nicolet Bank at 5517 Vern Holmes Dr, Stevens Point, WI 54482. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Stevens Point, Wisconsin & the Surrounding Area
Stevens Point 3 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 3 Month
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.79% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 3 Months
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.79% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 3 Month
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.79% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.74% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 3 Month
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.74% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 3 Month
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$500
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 3 Months
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 3 Month
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
3 Month Certificate
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.06% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
3 Month Fixed Rate Certificates of Deposit
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.06% below avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
90 Day Certificate of Deposit
$1,000
4.21%
▲ 2.15% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.15% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Month
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.84% above avg
Details
No IRA Available
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
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.
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.54% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Earn Up To 3.60%
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
90 Day Certificate of Deposit (CDs)
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.50% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Certificates - 90 Day
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.50% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$100,000
3.45%
▲ 1.39% above national avg
▼
Rate3.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.39% above avg
Details
Balance: $100,000 and higher; Interest Credited: At Maturity
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 3 Month
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details
No IRA Available
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3 Month Certificates
$0
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.13% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$25,000
3.15%
▲ 1.09% above national avg
▼
Rate3.11%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.09% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: At Maturity
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$1,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.99% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: At Maturity
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Share/IRA Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Certificate
$2,500
2.85%
▲ 0.79% above national avg
▼
Rate2.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.79% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Month Share Certificate
$500
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.79% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 3 Months
$1,000
2.83%
▲ 0.77% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.77% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
90 Day Certificate
$1,000
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.46% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-month CD
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40%
▲ 0.34% above national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.34% above avg
Details
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$10,000
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details
Stevens Point 6 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 6 Month
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 6 Month
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 6 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 6 Month
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$0
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 6 Month
$0
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 6 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 6 Month
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
6 Month Share Certificate
$0
2.00%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Dividend Paid: End of Term
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
6 Month Term Share Certificate
$0
2.00%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Dividend Paid: End of Term
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
6 Mo. CD
$0
1.26%
▼ 1.50% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.50% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
6 Month Certificate
$1,000
1.25%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.51% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
6 Month Fixed Rate Certificates of Deposit
$1,000
1.25%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.51% below avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
6 Month Business Share Certificates
$250
1.25%
▼ 1.51% below national avg
▼
Rate1.24%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.51% below avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
6 Month Share Certificates
$250
1.25%
▼ 1.51% below national avg
▼
Rate1.24%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.51% below avg
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
6 Month Certificate
$0
1.00%
▼ 1.76% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.76% below avg
Details
Balance: $1,000 - $49,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
6 Month Minor Share Certificate
$0
0.91%
▼ 1.85% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.85% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
6 Month Share Certificate
$0
0.91%
▼ 1.85% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.85% below avg
Details
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
6 Month Youth share certificate
$100
5.06%
▲ 2.30% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 2.30% above avg
Details
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
6 Month LOYALTY CERTIFICATE PROMO
$0
4.59%
▲ 1.83% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.83% above avg
Details
Qualifications Required; Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 Month Share Certificate
$500
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Month Certificate of Deposit
$500
4.40%
▲ 1.64% above national avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.64% above avg
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.49% above avg
Details
Balance: $500 - $9,999.99
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
6 Month Certificate of Deposit (CD)
$0
4.18%
▲ 1.42% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.42% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificate
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Share/IRA Certificate
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
6 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.24% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 6 Month
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
No IRA Available
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
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.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month Share Certificate
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.16% above avg
Details
Bank of Luxemburg
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month CD
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Certificate
$2,500
3.90%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 6 Month
$100,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month CD
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD / IRA
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
6 Month Certificate
$1,000
3.86%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.10% above avg
Details
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Fixed Rate Special
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.09% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Certificate Special
$10,000
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.06% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Special Certificate of Deposit
$10,000
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.06% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $100,000+
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
WCCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 Month Share & IRA Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
IRA Certificates require $1000 Minimum and 1 Year Minimum
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Certificate of Deposit (CDs)
$1,000
3.77%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.01% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Certificates - 6 Month
$1,000
3.77%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.01% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
6 Month CD/IRA
$2,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Stevens Point 12 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 12 Month
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
12-Month HSA Share Certificate
$250
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 12 Month
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 12 Month
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 12 Month
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
1 Year CD
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$500
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 12 Month
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
1 Year CD
$0
3.09%
▲ 0.14% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.14% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
12 Month Share Certificate
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
12 Month Term Share Certificate
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Dividend Paid: Quarterly
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Minor Share Certificate
$0
2.89%
▼ 0.06% below national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.06% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Share Certificate
$0
2.89%
▼ 0.06% below national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.06% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Certificates
$0
2.88%
▼ 0.07% below national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.07% below avg
Details
Balance: $25,000.00 and over
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
2.88%
▼ 0.07% below national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.07% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Minor Share Certificate
$0
2.85%
▼ 0.10% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.10% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Minor Share Certificate
$0
2.84%
▼ 0.11% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.11% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Share Certificate
$0
2.84%
▼ 0.11% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.11% below avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month Certificates
$0
2.83%
▼ 0.12% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.12% below avg
Details
Balance: $5,000.00 - $24,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
2.83%
▼ 0.12% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.12% below avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
12 Month Business Share Certificates
$250
2.75%
▼ 0.20% below national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.20% below avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
12 Month Share Certificates
$250
2.75%
▼ 0.20% below national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.20% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
12 Month Certificate
$1,000
2.60%
▼ 0.35% below national avg
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.35% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
12 Month Fixed Rate Certificates of Deposit
$1,000
2.60%
▼ 0.35% below national avg
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.35% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
HSA 1 Year CD
$1,000
2.60%
▼ 0.35% below national avg
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.35% below avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
12 Month CD
$2,500
2.50%
▼ 0.45% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.45% below avg
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
12 Month Certificate
$0
1.10%
▼ 1.85% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 1.85% below avg
Details
Balance: $1,000 - $49,999.99
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Smart Saver Plus - 12 Months
$0
0.72%
▼ 2.23% below national avg
▼
Rate0.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.23% below avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Smart Saver Plus - 12 Months
$0
0.67%
▼ 2.28% below national avg
▼
Rate0.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.28% below avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 Month Youth Saver Certificate
$0
6.00%
▲ 3.05% above national avg
▼
Rate5.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 3.05% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month Teenager Certificate
$0
5.50%
▲ 2.55% above national avg
▼
Rate5.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 2.55% above avg
Details
Age: 13-17
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
12 Month ROTH IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
12 Month Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
12 Month Traditional IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate of Deposit
$0
4.63%
▲ 1.68% above national avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.68% above avg
Details
Balance: $35,000+
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month Certificate
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.55% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
12 Month Certificate
$0
4.40%
▲ 1.45% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.45% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12 Month Certificate
$100
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.38% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month Traditional/Roth IRA CD
$100,000
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.38% above avg
Details
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Month CD Special
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.35% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$0
4.30%
▲ 1.35% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.35% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
12 Month Certificate of Deposit (CD)
$0
4.29%
▲ 1.34% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.34% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Month Certificate of Deposit
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.30% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
12 Month CD/IRA
$2,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.30% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month Youngster Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
Age: 0-12
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
Minimum to Open or Earn Dividends.
Stevens Point 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 18 Month
$0
4.10%
▲ 1.29% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.29% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 18 Month
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.99% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 18 Months
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 18 Month
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.49% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 18 Month
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.49% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$500
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 18 Months
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 18 Month
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
18 Month Share Certificate
$0
3.19%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.38% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
18 Month Term Share Certificate
$0
3.19%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.38% above avg
Details
Dividend Paid: Quarterly
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
18 Month Certificate
$1,000
2.72%
▼ 0.09% below national avg
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 0.09% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
18 Month Fixed Rate Certificates of Deposit
$1,000
2.72%
▼ 0.09% below national avg
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 0.09% below avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
18 Month CD
$2,500
2.50%
▼ 0.31% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.31% below avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Smart Saver - 18 Months
$0
1.60%
▼ 1.21% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.21% below avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Smart Saver - 18 Months
$0
1.55%
▼ 1.26% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.26% below avg
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
18 Month Certificate
$0
1.10%
▼ 1.71% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▼ 1.71% below avg
Details
Balance: $1,000 - $49,999.99
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
18 Month Term Certificate
$0
5.00%
▲ 2.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 2.19% above avg
Details
Penalty for early withdrawal: 180 days dividends
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84%
▲ 2.03% above national avg
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 2.03% above avg
Details
Interest Will Be Credited: Quarterly; Fixed Rate or Variable Rate***: Variable
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
18 Month Certificate of Deposit (CD)
$0
4.41%
▲ 1.60% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.60% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18 Month Certificate
$0
4.40%
▲ 1.59% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.59% above avg
Details
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificates
$0
4.34%
▲ 1.53% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.53% above avg
Details
Term: 18 Month Variable Rate IRA; Compounded: Daily; Basic MVP** Level Dividend Rate: 4.25%; Basic MVP** Level APY*: 4.34%; Silver MVP** Level Dividend Rate: 4.25%; Silver MVP** Level APY*: 4.34%; Gold MVP** Level Dividend Rate: 4.25%; Gold MVP** Level APY*: 4.34%
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 Month Certificate of Deposit
$500
4.30%
▲ 1.49% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.49% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Month Share Certificates and IRA Certificates
$100
4.25%
▲ 1.44% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details
Minimum to Open or Earn Dividends.
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Months Share Certificate Special
$0
4.25%
▲ 1.44% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Special 18 Months
$100
4.25%
▲ 1.44% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18-Month Certificate
$0
4.25%
▲ 1.44% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.39% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
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.
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate of Deposit - 18 months
$0
4.13%
▲ 1.32% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.32% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
IRA Certificate - 18 months
$0
4.13%
▲ 1.32% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.32% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 18 Month
$0
4.10%
▲ 1.29% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month Certificate
$500
4.02%
▲ 1.21% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.21% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18-Month Traditional/Roth IRA CD
$500
4.02%
▲ 1.21% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.21% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
IRA Certificate 18 month
$0
3.95%
▲ 1.14% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.14% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.09% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.09% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Month Business Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.09% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Month Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.09% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
18 Month Certificate
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.96% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18 Months Share/IRA Certificate
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details
Balance: 18 Months
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 18 Months
$500
3.66%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.85% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18-month CD Rate
$1,000
3.66%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.85% above avg
Details
Compounding/Posted: Monthly/Monthly
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
18-month CD
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.84% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Stevens Point 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 24 Month
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 24 Month
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.02% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Rate Bump - 24 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Rate Bump - 24 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
2 Year CD
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 24 Month
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.47% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 24 Month
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.47% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
24 Month Share Certificate
$0
3.29%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.46% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
24 Month Term Share Certificate
$0
3.29%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.46% above avg
Details
Dividend Paid: Quarterly
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 24 Month
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
2 Year CD
$0
3.20%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.37% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
24 Month Business Share Certificates
$250
3.00%
▲ 0.17% above national avg
▼
Rate2.97%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
24 Month Share Certificates
$250
3.00%
▲ 0.17% above national avg
▼
Rate2.97%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
24 Month Minor Share Certificate
$0
2.89%
▲ 0.06% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.06% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
24 Month Share Certificate
$0
2.89%
▲ 0.06% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.06% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
24 Month Certificates
$0
2.88%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.05% above avg
Details
Balance: $5,000.00 - $24,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
2.88%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.05% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
24 Month CD
$2,500
2.75%
▼ 0.08% below national avg
▼
Rate2.72%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.08% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
24 Month Certificate
$1,000
2.75%
▼ 0.08% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.08% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
24 Month Fixed Rate Certificates of Deposit
$1,000
2.75%
▼ 0.08% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.08% below avg
Details
Connexus Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
3316 Business Park Dr, Stevens Point, WI 54482
24 Month Bump-Up Certificate
$5,000
2.00%
▼ 0.83% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.83% below avg
Details
You want a one-time rate increase in case rates go up
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
24 Month Certificate
$1,000
1.15%
▼ 1.68% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.68% below avg
Details
Balance: $1,000 - $49,999.99
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
24 Month Certificate of Deposit (CD)
$0
4.52%
▲ 1.69% above national avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.69% above avg
Details
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
24 Month CD/IRA
$2,000
4.50%
▲ 1.67% above national avg
▼
Rate4.43%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.67% above avg
Details
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2 Year Certificate
$0
4.40%
▲ 1.57% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.57% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year CD
$1,000
4.40%
▲ 1.57% above national avg
▼
Rate4.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year CD / IRA
$1,000
4.40%
▲ 1.57% above national avg
▼
Rate4.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus CD / IRA
$10,000
4.40%
▲ 1.57% above national avg
▼
Rate4.33%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
1 time rate bump. Additions of $500 or more at any time.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Year Certificate of Deposit
$500
4.35%
▲ 1.52% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.52% above avg
Details
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
24 Month CD
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.42% above avg
Details
Renews to 30 mo
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
24-Month Certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate of Deposit - 2 years
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.41% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
IRA Certificate - 2 years
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.41% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 2 Year
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2 Year Certificate
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.32% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
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.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.30% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year
$100,000
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Month Certificate of Deposit
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.23% above avg
Details
Balance: $35,000+
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.05%
▲ 1.22% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.22% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
24 Month Share Certificates and IRA Certificates
$0
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.18% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Months Share/IRA Certificate
$0
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.18% above avg
Details
Balance: 24 Months
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate of Deposit
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.17% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year IRA
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.17% above avg
Details
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24-Month Fixed Rate CD Special
$2,500
4.00%
▲ 1.17% above national avg
▼
Rate3.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
Stevens Point 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 36 Month
$0
4.20%
▲ 1.45% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.45% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 36 Month
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.95% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
3 Year CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
3 Year Share Certificate
$0
3.49%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.74% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
3 Year Term Share Certificate
$0
3.49%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.74% above avg
Details
Dividend Paid: Quarterly
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 36 Month
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.55% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 36 Month
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.55% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
3 Year CD
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.55% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$500
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 36 Month
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
36 Month Business Share Certificates
$250
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
36 Month Share Certificates
$250
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
36 Month Minor Share Certificate
$0
2.94%
▲ 0.19% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.19% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
36 Month Share Certificate
$0
2.94%
▲ 0.19% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.19% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
36 Month Certificates
$0
2.93%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.18% above avg
Details
Balance: $5,000.00 - $24,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
2.93%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.18% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
36 Month Certificate
$1,000
2.80%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.05% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
36 Month Fixed Rate Certificates of Deposit
$1,000
2.80%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.05% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
36 Month CD
$2,500
2.75%
At national avg
▼
Rate2.72%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%At the average
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
36 Month Certificate
$1,000
2.12%
▼ 0.63% below national avg
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.63% below avg
Details
Balance: $1,000 - $49,999.99
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13%
▲ 2.38% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 2.38% above avg
Details
FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Month HSA Certificate of Deposit
$2,500
4.45%
▲ 1.70% above national avg
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.70% above avg
Details
Certificate of Deposits, IRAs, and HSA**5
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
HSA 36 Month Certificate
$2,500
4.45%
▲ 1.70% above national avg
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.70% above avg
Details
Certificate of Deposits, IRAs, and HSA**5
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3 Year Certificate
$0
4.40%
▲ 1.65% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.65% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.64% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.30%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.55% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Year Certificate of Deposit
$500
4.27%
▲ 1.52% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.52% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Year
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$100,000
4.10%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.35% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year CD
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3-Year CD / IRA
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month IRA CD
$1,000
3.94%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.19% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$25,000
3.90%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.15% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month CD
$1,000
3.89%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.14% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month HSA CD
$1,000
3.89%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.14% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Months Share/IRA Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details
Balance: 36 Months
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-year Share Certificate
$5,000
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
3-year CD Rate
$1,000
3.81%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.06% above avg
Details
Compounding/Posted: Monthly/Monthly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificate of Deposit
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $35,000+
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36-Month Certificate of Deposit
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $30,000 and over
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 3 years
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $100,000+
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
36 Month Share Certificates and IRA Certificates
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
Stevens Point 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 48 Month
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 48 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Term Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Dividend Paid: Quarterly
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
4 Year CD
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
4 Year CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 48 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Certificates with $250,000 Minimum
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
48 Month Business Share Certificates
$250
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
48 Month Share Certificates
$250
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 48 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 48 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
48 Month CD
$2,500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
48 Month Minor Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.23% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
48 Month Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.23% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
48 Month Certificates
$0
2.98%
▲ 0.22% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.22% above avg
Details
Balance: $5,000.00 - $24,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
2.98%
▲ 0.22% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.22% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
48 Month Certificate
$1,000
2.85%
▲ 0.09% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.09% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
48 Month Fixed Rate Certificates of Deposit
$1,000
2.85%
▲ 0.09% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.09% above avg
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
48 Month Certificate
$1,000
2.22%
▼ 0.54% below national avg
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.54% below avg
Details
Balance: $1,000 - $49,999.99
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
4 Year Certificate
$0
4.40%
▲ 1.64% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 4 Year
$0
4.30%
▲ 1.54% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.54% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$100,000
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.39% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4 Year CD
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year CD / IRA
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month IRA CD
$1,000
3.99%
▲ 1.23% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.23% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$25,000
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month CD
$1,000
3.94%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.18% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month HSA CD
$1,000
3.94%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.18% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Months Share/IRA Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: 48 Months
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA CD
$25,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
48 Month Certificate
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
48 Month IRA Certificates
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates 48 Month
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month Certificate
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 4 Year
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 48 Months
$500
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.00% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48 Month Certificate
$50,000
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.00% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.00% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $100,000 and over
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 4 years
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $1,000.00+
Stevens Point 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: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 60 Month
$0
4.35%
▲ 1.52% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.52% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 60 Month
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.02% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Share Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Term Share Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
Dividend Paid: Quarterly
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
5 Year CD
$0
3.71%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.88% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2201 Division St, Stevens Point, WI 54481 3662
5 Year CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
60 Month Business Share Certificates
$250
3.44%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.61% above avg
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
3101 Hoover Rd, Stevens Point, WI 54481
60 Month Share Certificates
$250
3.44%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.61% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
With $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 60 Months
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
Certificates with $250,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.47% above avg
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 60 Months
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.47% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
809 Division St, Stevens Point, WI 54481
Regular - 60 Months
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
60 Month Minor Share Certificate
$0
3.04%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.21% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
60 Month Share Certificate
$0
3.04%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.21% above avg
Details
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
60 Month Certificates
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
Balance: $5,000.00 - $24,999.99
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2940 Church St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
138 Mcdill Ave, Stevens Point, WI 54481
60 Month CD
$2,500
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.17% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
60 Month Certificate
$1,000
2.90%
▲ 0.07% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.07% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
60 Month Fixed Rate Certificates of Deposit
$1,000
2.90%
▲ 0.07% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.07% above avg
Details
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
60 Month Certificate
$1,000
2.27%
▼ 0.56% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.56% below avg
Details
Balance: $1,000 - $49,999.99
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60%
▲ 1.77% above national avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.77% above avg
Details
FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54%
▲ 1.71% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.71% above avg
Details
Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
60 Month Certificates
$0
4.47%
▲ 1.64% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.64% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.45%
▲ 1.62% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.62% above avg
Details
Interest Will Be Credited: Annually; Opening Balance: Under $10,000
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5 Year Certificate
$0
4.40%
▲ 1.57% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.57% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 5 Year
$0
4.40%
▲ 1.57% above national avg
▼
Rate4.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.57% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$100,000
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.42% above avg
Details
Balance: $100,000 and higher; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month IRA CD
$1,000
4.09%
▲ 1.26% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.26% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 Months Share/IRA Certificate
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details
Balance: 60 Months
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$25,000
4.05%
▲ 1.22% above national avg
▼
Rate3.99%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.22% above avg
Details
Balance: $25,000 - $99,999; Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month CD
$1,000
4.04%
▲ 1.21% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.21% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month HSA CD
$1,000
4.04%
▲ 1.21% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.21% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5 Year CD
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5-Year CD / IRA
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
60 Month IRA Share Certificate
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
60 Month Share Certificates
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.12% above avg
Details
Balance: $1,000 - $24,999; Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
60 Month Certificate
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
60 Month IRA Certificates
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates 60 Month
$500
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 5 Year
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 60 Months
$500
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.04% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
60 Month Share Certificates and IRA Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Certificate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.99% above avg
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Stevens Point, WI CD Rate Trends
Compare local Stevens Point, 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
2.945%
▲ 0.004 vs 7 days ago
Wisconsin 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD WI Avg
2.760%
Unchanged vs 7 days ago
Wisconsin 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WI CD Rate Forecast, Next 12 Months
Where are Wisconsin CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WI 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Stevens Point, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/yr | |
Ladder example uses equal $5,000 rungs and Wisconsin average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,894
CD Rates
Tracked in Stevens Point, Wisconsin
Tracked in Stevens Point, Wisconsin
55 Banks
68 Credit Unions
About Our Stevens Point, Wisconsin CD Rate Database
MonitorBankRates tracks 1,894 CD rates from 55 banks and 68 credit unions with locations in Stevens Point, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Nicolet Bank offers a CD at 4.35% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Stevens Point, Wisconsin.
How to Find the Best CD Rates in Stevens Point, Wisconsin
What to compare when shopping for a CD in Stevens Point, Wisconsin
To find the best APYs in Stevens Point, Wisconsin, start with credit unions and online-only banks: Stevens Point, Wisconsin has 68 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Stevens Point, 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 Stevens Point, Wisconsin: 123 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Stevens Point, 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 Stevens Point, Wisconsin money market rates
Stevens Point, Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.5%
National avg: 17.3%
Median Individual Earnings
$28,960
National avg: $47,340
Poverty Rate
16.6%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$85/yr
At WI 12-mo avg 2.945% APY
13.5% of residents are 65 or older, below the national average of 17.3%. At today’s WI 12-month CD average of 2.945%, saving 10% of the local median salary ($2,896/year) and putting it in a CD would earn an additional $85 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 Stevens Point, 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 (90–180 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin as everywhere in the U.S.
Choosing a CD Term in Stevens Point, 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 Stevens Point, Wisconsin savers easier access to their funds. For example, Nicolet Bank is offering its Relationship CD - 6 Month at 3.50% 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 4.35% 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a Stevens Point, 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 Stevens Point, Wisconsin
Are CD rates in Stevens Point, Wisconsin FDIC insured?
Yes, most established banks in Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin?
Here are recent top rates found for this area:
- Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
- Sentry Credit Union: 3.80% APY (5 Year Share Certificate)
- Simplicity Credit Union: 3.75% APY (12-Month HSA Share Certificate)
- Central Wisconsin Credit Union: 3.71% APY (5 Year CD)
- University of Wisconsin Credit Union: 3.60% APY (Rate Bump - 24 Months)
- Valley Communities Credit Union: 3.04% APY (60 Month Minor Share Certificate)
- Peoples State Bank (WI): 3.00% APY (48 Month CD)
- Pineries Bank: 2.90% APY (60 Month Certificate)
- Prevail Bank: 2.27% APY (60 Month Certificate)
- Connexus Credit Union: 2.00% APY (24 Month Bump-Up Certificate)
Rates reflect recent verified offers available in Stevens Point, Wisconsin. Last Updated: September 22, 2026
Stevens Point, 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 Stevens Point, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Stevens Point, Wisconsin
Stevens Point, Wisconsin CD Calculator
At today’s WI top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Stevens Point, Wisconsin CD LadderWI CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Stevens Point, Wisconsin CD at 4.35% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsWisconsin’s average 12-month CD is 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Stevens Point, 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 Stevens Point, 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 Stevens Point, 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: September 22, 2026
Stevens Point, Wisconsin Rates & Resources
Stevens Point, Wisconsin Mortgage Rates
Stevens Point, Wisconsin Refinance Rates
Stevens Point, Wisconsin Home Equity Loan Rates
Stevens Point, Wisconsin Savings Rates
Stevens Point, Wisconsin Money Market Rates
Stevens Point, Wisconsin Checking Rates
Stevens Point, Wisconsin Auto Loan Rates
Stevens Point, Wisconsin Personal Loan Rates
Stevens Point, Wisconsin Homeowners Insurance
Stevens Point, Wisconsin Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking