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 Wisconsin CD rates include State Bank of NewburgState Bank of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060A+5.0 ★Texas Ratio: 0.00%Real return: +2.04%APY minus CPI (February 2026) offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.84% APY, PSB of PlainviewPSB of Plainview715 Highway 79, Boyceville, WI 54725A-4.7 ★Texas Ratio: 9.93%Real return: +1.83%APY minus CPI (February 2026) offering 12 Month Certificate at 4.63% APY, Nicolet BankNicolet Bank519 Main St, Kewaunee, WI 54216A+5.0 ★Texas Ratio: 3.26%Real return: +1.55%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.35% APY, FNB of BangorFNB of Bangor1798 Commercial St, Bangor, WI 54614A+5.0 ★Texas Ratio: 2.70%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Certificate at 4.30% APY, and Spring Bank Brookfield, WISpring Bank Brookfield, WI16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005B4.6 ★Texas Ratio: 20.13%Real return: +1.45%APY minus CPI (February 2026) offering Business 5 Year at 4.25% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Wisconsin side-by-side. Wisconsin CD rates currently reach as high as 4.84% APY from State Bank of Newburg at 300 Congress Dr Hwy 33, Newburg, WI 53060. 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 9, 2026
Compare Best CD Rates in Wisconsin
Wisconsin 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposit
$1,000
4.11%
▲ 2.12% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.12% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
3 Month CD
$0
3.60%
▲ 1.61% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.61% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
90 Day
$1,000
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.57% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
IRA Certificate 90 Day
$1,000
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.57% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
IRA Certificates 90 Day
$1,000
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.57% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$100,000
3.45%
▲ 1.46% above national avg
▼
Rate3.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.46% above avg
Details
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
255 Fiserv Dr, Brookfield, WI 53045
3 Month Certificate
$0
3.41%
▲ 1.42% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.42% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$25,000
3.15%
▲ 1.16% above national avg
▼
Rate3.11%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.16% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Month
$1,000
3.05%
▲ 1.06% above national avg
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.06% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 3 Month
$0
3.05%
▲ 1.06% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.06% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
3 Month Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.01% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 3 Month
$0
2.75%
▲ 0.76% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.76% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
3-month CD
$0
2.50%
▲ 0.51% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.51% above avg
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
112 ALFRED ST, ATHENS, WI 54411
3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40%
▲ 0.41% above national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.41% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
3-Month Certificate
$1,000
2.00%
▲ 0.01% above national avg
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.01% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 3-Month
$1,000
2.00%
▲ 0.01% above national avg
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.01% above avg
Details
Quarterly
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
3 Month CD
$0
1.76%
▼ 0.23% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.23% below avg
Details
Headwaters State Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.44%
4175 County Road B, Land O Lakes, WI 54540
3 Month CD
$1,000
1.66%
▼ 0.33% below national avg
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.33% below avg
Details
Hiawatha National Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
220 E Oak St, Glenwood City, WI 54013
3 Month CD
$500
1.66%
▼ 0.33% below national avg
▼
Rate1.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.33% below avg
Details
Interest Compounding: Quarterly
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Certificate of Deposit Accounts (CD) - 3 months
$2,000
1.56%
▼ 0.43% below national avg
▼
Rate1.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.43% below avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
3 Months
$500
1.26%
▼ 0.73% below national avg
▼
Rate1.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.73% below avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
3 Month Certificate
$0
1.15%
▼ 0.84% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.84% below avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
Fixed Rate Certificates of Deposit - 3 Month
$500
1.00%
▼ 0.99% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
3 Month Certificate
$0
0.85%
▼ 1.14% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.14% below avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
3 mo Certificate of Deposit
$1,000
0.80%
▼ 1.19% below national avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.19% below avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
3 Month Certificate
$1,000
0.60%
▼ 1.39% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.39% below avg
Details
Forte Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
116 W Sumner St, Hartford, WI 53027
3 Month CD
$0
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
Forte Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
116 W Sumner St, Hartford, WI 53027
Business 3 Month CD
$0
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
400 Broad St, Beloit, WI 53511
3 Months
$1,000
0.30%
▼ 1.69% below national avg
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.69% below avg
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
400 Broad St, Beloit, WI 53511
Business 3 Months
$1,000
0.30%
▼ 1.69% below national avg
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.69% below avg
Details
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
109 W 2nd St, Kaukauna, WI 54130
3 Month CD
$2,500
0.10%
▼ 1.89% below national avg
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.89% below avg
Details
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1015 Marquette Ave, South Milwaukee, WI 53172
3 Month Fixed Rate
$0
0.10%
▼ 1.89% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.89% below avg
Details
Wisconsin 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
6 Month Certificate of Deposit
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
6 Month CD
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$100,000
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
6 Month Certificate
$1,000
3.86%
▲ 1.19% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.19% above avg
Details
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1015 Marquette Ave, South Milwaukee, WI 53172
6 Month Fixed Rate Special
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.18% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
6 Month Special
$10,000
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.15% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
6 Month Certificate
$1,000
3.77%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.10% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$25,000
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
100 E 1st St, Gillett, WI 54124
6-MONTH CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
6 Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 6 Month
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
6-month CD
$1,000
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.89% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Certificate of Deposit Accounts (CD) - 6 months
$250,000
3.52%
▲ 0.85% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.85% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Individual Retirement Accounts (IRA) - 6 months
$250,000
3.52%
▲ 0.85% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.85% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
6 Month Certificate Special
$25,000
3.48%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.81% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
182 Day CD (6 Month)
$0
3.48%
▲ 0.81% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.81% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
182 Day IRA (6 Month)
$0
3.48%
▲ 0.81% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.81% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
6 Months Term Share Certificate
$2,500
3.48%
▲ 0.81% above national avg
▼
Rate3.43%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.81% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
6 mo Certificate of Deposit
$1,000
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.78% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
6 mo Certificate of Deposit
$1,000
3.43%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.76% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month - Premier Account
$2,000
3.38%
▲ 0.71% above national avg
▼
Rate3.35%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.71% above avg
Details
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Certificate
$2,000
3.33%
▲ 0.66% above national avg
▼
Rate3.30%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.66% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Certificate of Deposit Accounts (CD) - 6 months
$2,000
3.32%
▲ 0.65% above national avg
▼
Rate3.29%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.65% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Individual Retirement Accounts (IRA) - 6 months
$300
3.32%
▲ 0.65% above national avg
▼
Rate3.29%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.65% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
IRA - 6 months
$300
3.32%
▲ 0.65% above national avg
▼
Rate3.29%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.65% above avg
Details
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
255 Fiserv Dr, Brookfield, WI 53045
6 Month Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.63% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
6 Month Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 6 Month
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.53% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
6 Month Certificate
$0
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.36% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
6-Month Term Certificate
$0
3.02%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.35% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
6 Month Certificate
$2,500
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
6-month CD
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
6-Month Term Certificate
$0
2.92%
▲ 0.25% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.25% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
6-Month Term Certificate
$0
2.82%
▲ 0.15% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.15% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
6 Month Certificate
$0
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 6 mo.
$0
2.55%
▼ 0.12% below national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.12% below avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
6-Month Certificate
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.17% below avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 6-Month
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.17% below avg
Details
Quarterly
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
6 Month Certificate
$0
2.50%
▼ 0.17% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
345 E Grand Ave, Beloit, WI 53511
6 Month
$1,000
2.28%
▼ 0.39% below national avg
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.39% below avg
Details
Bristol Morgan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
103 S Main St, Oakfield, WI 53065
6 Month CD/IRA
$500
2.25%
▼ 0.42% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
6 Month CD
$0
2.06%
▼ 0.61% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.61% below avg
Details
Bank Five Nine
Institution Rating:
A-4.9 ★Texas Ratio: 16.81%
155 W Wisconsin Ave, Oconomowoc, WI 53066
6 Month CD / IRA
$1,000
2.00%
▼ 0.67% below national avg
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.67% below avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
6 Month HSA CD
$2,500
2.00%
▼ 0.67% below national avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.67% below avg
Details
Headwaters State Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.44%
4175 County Road B, Land O Lakes, WI 54540
6 Month CD
$1,000
1.76%
▼ 0.91% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.91% below avg
Details
Wisconsin 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
12 Month Certificate
$0
4.63%
▲ 1.79% above national avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.79% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
12 Month Certificate
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.46% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
12-month CD
$1,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.31% above avg
Details
Featured rate
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 1 Year
$100,000
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.26% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
12 Month Special
$10,000
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.23% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 1 year
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.19% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 1 year
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.19% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
12 mo Certificate of Deposit
$500
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.18% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
12 Month Certificate Special
$2,500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
220 Grant St, Fort Atkinson, WI 53538
12 Month IRA Certificate Special
$2,500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
12 Month Certificate
$5,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
12 Month IRA Certificate
$2,500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
Fixed Rate IRA Promotional Certificates of Deposit - 12 Month
$2,500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
1 Year Certificate
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.11% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
12 mo Certificate of Deposit
$500
3.95%
▲ 1.11% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.11% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 1 Year
$25,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.06% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
12 Mo.
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.01% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.01% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
12 Month Certificate
$2,500
3.80%
▲ 0.96% above national avg
▼
Rate3.76%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
12 Mo.
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 1 Year
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
100 E 1st St, Gillett, WI 54124
12-MONTH CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 12 Month
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
1 Year Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
12 Mo.
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
1 Year Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
1 Year IRA
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 12 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Compounded Quarterly
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
119 W 4th St N, Ladysmith, WI 54848
1 Year Certificate
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.86% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
1 Year Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.81% above avg
Details
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
806 E Exchange St, Brodhead, WI 53520
12 Month Certificate
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.81% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
12-month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.81% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
12-month Fixed
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.81% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 12 Month
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.81% above avg
Details
Compounded Quarterly
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
IRA - 1 Year IRA Term Share Certificate
$2,500
3.62%
▲ 0.78% above national avg
▼
Rate3.56%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.78% above avg
Details
IRA
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
12 Month Certificate
$500
3.58%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.74% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
12 Month Fixed Rate IRA
$100
3.58%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.74% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 12 Months
$500
3.58%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.74% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
12 Month Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.71% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
12 Months Term Share Certificate
$2,500
3.54%
▲ 0.70% above national avg
▼
Rate3.48%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.70% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
12 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 12 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 12 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Compounded Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
12 Month IRA CD
$1,000
3.48%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.64% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 Year CD
$0
3.48%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.64% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 Year IRA
$0
3.48%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.64% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 Year Variable Rate IRA
$0
3.48%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.64% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
12 Month Certificate
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.60% above avg
Details
Wisconsin 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84%
▲ 2.17% above national avg
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 2.17% above avg
Details
Interest Will Be Credited: Quarterly
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 18 months
$0
4.13%
▲ 1.46% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.46% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 18 months
$0
4.13%
▲ 1.46% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.46% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 18 Month
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.43% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month Certificate
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
18 Month IRA
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 18 Month
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
18 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
18-month CD
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
345 W Pine St, Platteville, WI 53818
18 Month IRA Certificate Special
$500
3.63%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.96% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 1/2 Year CD (18 Month)
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.91% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
1 1/2 Year IRA (18 Month)
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.91% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
18 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
345 W Pine St, Platteville, WI 53818
18 Month IRA Certificate Special
$500
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.86% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 18 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
Compounded Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
18 Month IRA CD
$1,000
3.48%
▲ 0.81% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.81% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
18 Month CD
$1,000
3.43%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.76% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
18 Month HSA CD
$1,000
3.43%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.76% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 18 Month
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.73% above avg
Details
Compounded Quarterly
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
18 Month Certificate
$500
3.28%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.61% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
18 Month Fixed Rate IRA
$100
3.28%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.61% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 18 Months
$500
3.28%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.61% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
18-Month Certificate
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 18-Month
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
Quarterly
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 18 Month
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.58% above avg
Details
Compounded Quarterly
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
18-Month Term Certificate
$0
3.23%
▲ 0.56% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.56% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
18 months Term Share Certificate
$2,500
3.13%
▲ 0.46% above national avg
▼
Rate3.08%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.46% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
18-Month Term Certificate
$0
3.12%
▲ 0.45% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.45% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
18-Month Term Certificate
$0
3.02%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.35% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
18 Month Certificate
$2,500
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
18 Month Time Open Certificate
$100
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
CD Specials - 18 months
$5,000
3.00%
▲ 0.33% above national avg
▼
Rate2.99%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
$5,000.00 to $99,999.99
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
IRA CD Specials - 18 month
$300
3.00%
▲ 0.33% above national avg
▼
Rate2.99%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
18-Month Variable IRA Certificate
$0
2.97%
▲ 0.30% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.30% above avg
Details
Variable Rate
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
18 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.23% above avg
Details
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
255 Fiserv Dr, Brookfield, WI 53045
18 Month Certificate
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.17% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
Fixed Rate Certificates of Deposit - 18 Month
$1,000
2.72%
▲ 0.05% above national avg
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.05% above avg
Details
FSB of Waupaca
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
112 W Fulton St, Waupaca, WI 54981
18 Month Certificate
$0
2.60%
▼ 0.07% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.07% below avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
18 Month Certificate of Deposit
$500
2.50%
▼ 0.17% below national avg
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
314 Main St, Marathon, WI 54448
18 Month CD
$2,500
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
18 Month CD
$500
2.47%
▼ 0.20% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.20% below avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
18 Month Variable IRA
$100
2.47%
▼ 0.20% below national avg
▼
Rate2.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.20% below avg
Details
Variable Rate
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
IRA- 1.5 Year
$0
2.32%
▼ 0.35% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.35% below avg
Details
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
1.5 Year CD
$0
2.30%
▼ 0.37% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.37% below avg
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
345 E Grand Ave, Beloit, WI 53511
18 Month
$1,000
2.28%
▼ 0.39% below national avg
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.39% below avg
Details
Collins State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
20741 County Road Jj, Collins, WI 54207
18 Month Certificate
$1,000
2.25%
▼ 0.42% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
Northwestern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
202 N Bridge St, Chippewa Falls, WI 54729
18 Month Certificate
$0
2.17%
▼ 0.50% below national avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.50% below avg
Details
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
18 Month - Premier Account
$50,000
2.06%
▼ 0.61% below national avg
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.61% below avg
Details
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
18 Month Certificate
$50,000
2.01%
▼ 0.66% below national avg
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.66% below avg
Details
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1224 4th Ave S, Park Falls, WI 54552 1923
18 Month - Premier Account
$10,000
1.96%
▼ 0.71% below national avg
▼
Rate1.95%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.71% below avg
Details
Wisconsin 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 2 years
$0
4.24%
▲ 1.53% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.53% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
IRA Certificate - 2 years
$0
4.24%
▲ 1.53% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.53% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.15%
▲ 1.44% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.44% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
24 mo Certificate of Deposit
$500
4.13%
▲ 1.42% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.42% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$100,000
4.10%
▲ 1.39% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.39% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.35% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
24 mo Certificate of Deposit
$500
4.05%
▲ 1.34% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.34% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
2 Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
2 Year IRA
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
24 Month Certificate
$2,500
3.93%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.22% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$25,000
3.90%
▲ 1.19% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.19% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 24 Month
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.14% above avg
Details
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
109 W 2nd St, Kaukauna, WI 54130
24 Month Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.09% above avg
Details
Renews to 30 mo
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 2 Year
$1,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.09% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
100 E 1st St, Gillett, WI 54124
24-MONTH CD
$2,500
3.70%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
2 Year Certificate
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.94% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 24 Mo.
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.94% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
24-month CD
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.94% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.89% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 24 Mo.
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.89% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
24-Month Term Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.89% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
24 Month IRA CD
$1,000
3.59%
▲ 0.88% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.88% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 24 Mo.
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.84% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
24 Month Certificate
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.84% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
24 Month CD
$1,000
3.54%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.83% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
24 Month HSA CD
$1,000
3.54%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.83% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
24-Month Certificate
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 24-Month
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Quarterly
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
24-Month Term Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.73% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
2 Year Term Share Certificate
$2,500
3.41%
▲ 0.70% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.70% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
2 Year CD
$40,000
3.40%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.69% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
24-Month Term Certificate
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.69% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
IRA - 2 year IRA Term Share Certificate
$2,500
3.31%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.60% above avg
Details
IRA
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
24 Month CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
3.24%
▲ 0.53% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.53% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
2 Year CD
$1,000
3.20%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.49% above avg
Details
KeySavings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
811 E Grand Ave, Wisconsin Rapids, WI 54494
24 Month Certificate
$500
3.19%
▲ 0.48% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.48% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
24 Month Certificate
$500
3.17%
▲ 0.46% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.46% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 24 Months
$500
3.17%
▲ 0.46% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.46% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
24 Month Certificate
$0
3.14%
▲ 0.43% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.43% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
2 Year CD
$0
3.02%
▲ 0.31% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.31% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
2 Year IRA
$0
3.01%
▲ 0.30% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.30% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
2 Year Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
24 Month Certificate
$2,500
3.00%
▲ 0.29% above national avg
▼
Rate2.97%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
24-month CD
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
2 Year CD
$500
2.93%
▲ 0.22% above national avg
▼
Rate2.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.22% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
2 Year Certificate
$0
2.90%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.19% above avg
Details
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
255 Fiserv Dr, Brookfield, WI 53045
24 Month Certificate
$0
2.84%
▲ 0.13% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.13% above avg
Details
Wisconsin 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.39%
▲ 1.75% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.75% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.30%
▲ 1.66% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.66% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.20%
▲ 1.56% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.56% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$100,000
4.10%
▲ 1.46% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.46% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month IRA CD
$1,000
3.94%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.30% above avg
Details
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
36 Month Certificate
$2,500
3.90%
▲ 1.26% above national avg
▼
Rate3.86%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.26% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$25,000
3.90%
▲ 1.26% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.26% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month CD
$1,000
3.89%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.25% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
36 Month HSA CD
$1,000
3.89%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.25% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
3 Year Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.16% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Term Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.16% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year
$1,000
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.16% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
36-Month Certificate
$1,000
3.75%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 36-Month
$1,000
3.75%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Quarterly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Term Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
3 Year IRA
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 36 Month
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
36-month CD
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.01% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
36-month Fixed
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.01% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.60%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.96% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
36-Month Term Certificate
$0
3.60%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.96% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
36 Month Certificate
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.91% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
3 Year CD
$40,000
3.50%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.86% above avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
3 Year CD
$500
3.45%
▲ 0.81% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.81% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.44%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.80% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
3 Year CD
$1,000
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.66% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.24%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.60% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
36 Month Certificate
$2,500
3.20%
▲ 0.56% above national avg
▼
Rate3.16%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.56% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
3 Year Certificate
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.51% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
36 Month Certificate
$0
3.14%
▲ 0.50% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.50% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
36 Month Certificate
$500
3.07%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.43% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
36 Month Fixed Rate IRA
$500
3.07%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.43% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 36 Months
$500
3.07%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.43% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
36 Month Special
$10,000
3.04%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.40% above avg
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
255 Fiserv Dr, Brookfield, WI 53045 5815
IRA - 3 year IRA Term Share Certificate
$2,500
3.04%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.40% above avg
Details
IRA
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
3 Year CD
$0
3.02%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.38% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
3 Year IRA
$0
3.01%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.37% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
36 Month CD
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Collins State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
20741 County Road Jj, Collins, WI 54207
3 Year Certificate
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Park City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1213 N 4th St, Tomahawk, WI 54487
36 Month IRA Certificate
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
36 Month Certificate
$5,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
36 Month IRA Certificate
$2,500
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
11200 W Plank Ct, Wauwatosa, WI 53226
Fixed Rate IRA Promotional Certificates of Deposit - 36 Month
$2,500
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
36 Mo.
$0
2.95%
▲ 0.31% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.31% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 36 Mo.
$0
2.95%
▲ 0.31% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.31% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
3 Year Certificate
$0
2.90%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.26% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
36 Mo.
$0
2.90%
▲ 0.26% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.26% above avg
Details
Wisconsin 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.60% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$100,000
4.15%
▲ 1.50% above national avg
▼
Rate4.09%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.50% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month IRA CD
$1,000
3.99%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.34% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$25,000
3.95%
▲ 1.30% above national avg
▼
Rate3.89%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.30% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month CD
$1,000
3.94%
▲ 1.29% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.29% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
48 Month HSA CD
$1,000
3.94%
▲ 1.29% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.29% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
48-Month Certificate
$1,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 48-Month
$1,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Quarterly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 4 Year
$1,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.20% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
4 Year IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 48 Month
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.05% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
Comparison table of CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.00% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
48-month CD
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.00% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
4 Year CD
$40,000
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.96% above avg
Details
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
136 E Madison St, Lake Mills, WI 53551
4 Year CD
$500
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.90% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
48 Month Certificate
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.90% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.79% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
4 Year CD
$1,000
3.40%
▲ 0.75% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.75% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.70% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.65% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
4 Year Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.60% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 48 Mo.
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.60% above avg
Details
Park City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1213 N 4th St, Tomahawk, WI 54487
48 Month IRA Certificate
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.60% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.24%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.59% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.14%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.49% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5308 Beech St, Laona, WI 54541
48 Months
$500
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.39% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.38% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
48 Month Certificate
$500
3.02%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.37% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
48 Month Fixed Rate IRA
$500
3.02%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.37% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 48 Months
$500
3.02%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.37% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
4 Year CD
$0
3.02%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.37% above avg
Details
Collins State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
20741 County Road Jj, Collins, WI 54207
4 Year Certificate
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
4 Year IRA
$0
3.00%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
314 Main St, Marathon, WI 54448
48 Month CD
$2,500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 48 Month
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Compounded Quarterly
Bristol Morgan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
103 S Main St, Oakfield, WI 53065
48 Month CD/IRA
$500
2.95%
▲ 0.30% above national avg
▼
Rate2.91%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.30% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 48 Month
$0
2.95%
▲ 0.30% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.30% above avg
Details
Compounded Quarterly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
2.93%
▲ 0.28% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.28% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
4 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
112 ALFRED ST, ATHENS, WI 54411
48-Month Share Certificate
$1,000
2.90%
▲ 0.25% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
48 Month CD
$0
2.90%
▲ 0.25% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
State Bank of Reeseville
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
203 S Main St, Reeseville, WI 53579
4 Year CD
$1,000
2.88%
▲ 0.23% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.23% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
Fixed Rate Certificates of Deposit - 48 Month
$1,000
2.85%
▲ 0.20% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.20% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
48 Month Certificate
$0
2.83%
▲ 0.18% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.18% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
48 Month Certificate
$2,500
2.83%
▲ 0.18% above national avg
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.18% above avg
Details
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
4 Year CD
$0
2.80%
▲ 0.15% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.15% above avg
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
400 Broad St, Beloit, WI 53511
48 Months
$1,000
2.75%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.10% above avg
Details
Wisconsin 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.54%
▲ 1.79% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.79% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.45%
▲ 1.70% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.70% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 60 Month
$0
4.35%
▲ 1.60% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.60% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$100,000
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.50% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month IRA CD
$1,000
4.09%
▲ 1.34% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.34% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$25,000
4.05%
▲ 1.30% above national avg
▼
Rate3.99%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.30% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month CD
$1,000
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.29% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
159 W James St, Columbus, WI 53925
60 Month HSA CD
$1,000
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.29% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
5 Year Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
60-Month Certificate
$1,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.20% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
IRA Certificate 60-Month
$1,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.20% above avg
Details
Quarterly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 5 Year
$1,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.20% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
CD - 60 Month
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.10% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
250 French St, Peshtigo, WI 54157
5 Year IRA
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
221 Main St, Black River Falls, WI 54615
5 Year Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
5 Year CD
$40,000
3.71%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.96% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.95% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
400 N Main St, Loyal, WI 54446
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.90% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
309 E Main St, Hortonville, WI 54944
60-month CD
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.90% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1798 Commercial St, Bangor, WI 54614
60 Month Certificate
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.80% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
1301 Post Rd, Plover, WI 54467
5 Year CD
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.75% above avg
Details
Park City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1213 N 4th St, Tomahawk, WI 54487
60 Month IRA Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.75% above avg
Details
BLC Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
206 E Main St, Little Chute, WI 54140
60 Month Certificate
$2,500
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.65% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.24%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.49% above avg
Details
Bristol Morgan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
103 S Main St, Oakfield, WI 53065
60 Month CD/IRA
$500
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.40% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.39% above avg
Details
First State Bank and Trust Bayport, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
441 Stageline Rd, Hudson, WI 54016
60 Month Certificate
$1,000
3.03%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.28% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
715 Highway 79, Boyceville, WI 54725
60 Month Certificate
$0
3.03%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.28% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
5 Year CD
$0
3.02%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.27% above avg
Details
Collins State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
20741 County Road Jj, Collins, WI 54207
5 Year Certificate
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
60-Month Term Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
5 Year CD
$0
3.00%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
326 E Lake St, Horicon, WI 53032
5 Year IRA
$0
3.00%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
314 Main St, Marathon, WI 54448
60 Month CD
$2,500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 60 Month
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Compounded Quarterly
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
101 W Main St, Cameron, WI 54822
IRA Certificate of Deposit - 60 Month
$0
2.95%
▲ 0.20% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.20% above avg
Details
Compounded Quarterly
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
60 Month Certificate
$500
2.92%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.17% above avg
Details
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
86 E Water St, Markesan, WI 53946
Certificate of Deposit - 60 Months
$500
2.92%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.17% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
151 W Corporate DR, Madison, WI 53714 2409
5 Year Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
42 W Main St, Benton, WI 53803
60 Month CD
$0
2.90%
▲ 0.15% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
60-Month Term Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
Fixed Rate Certificates of Deposit - 60 Month
$1,000
2.90%
▲ 0.15% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
FSB of Waupaca
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
112 W Fulton St, Waupaca, WI 54981
60 Month Certificate
$0
2.85%
▲ 0.10% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.10% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
1644 Ludington St, Marinette, WI 54143
60 Month Certificate
$2,500
2.83%
▲ 0.08% above national avg
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.08% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
124 N Main Street, Birchwood, WI 54817
60-Month Term Certificate
$0
2.80%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.05% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Certificate of Deposit Accounts (CD) - 5 Year
$2,000
2.80%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.05% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2021 Holiday Dr, Janesville, WI 53545
Individual Retirement Accounts (IRA) - 5 year
$300
2.80%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.05% above avg
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
400 Broad St, Beloit, WI 53511
60 Months
$1,000
2.75%
At national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%At the average
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.
Wisconsin CD Rate Trends
Compare local Wisconsin 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
2.840%
▲ 0.374 vs 7 days ago
Wisconsin 12-month CD rates rose 0.374 points over the past 7 days to 2.840% APY.
6-Month CD WI Avg
2.669%
▲ 0.502 vs 7 days ago
Wisconsin 6-month CD rates rose 0.502 points over the past 7 days to 2.669% APY.
As of Sep 10, 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
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Wisconsin Savers
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
586
CD Rates
Tracked in Wisconsin
Tracked in Wisconsin
55 Banks
10 Credit Unions
About Our Wisconsin CD Rate Database
MonitorBankRates tracks 586 CD rates from 55 banks and 10 credit unions with locations in 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: State Bank of Newburg offers a CD at 4.84% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Wisconsin.
How to Find the Best CD Rates in Wisconsin
What to compare when shopping for a CD in Wisconsin
To find the best APYs in Wisconsin, start with credit unions and online-only banks: Wisconsin has 10 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 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 Wisconsin: 65 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare 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 Wisconsin money market rates
Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$46,667
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$133/yr
At WI 12-mo avg 2.840% APY
18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.2% reflects a strong local economy. At today’s WI 12-month CD average of 2.840%, saving 10% of the local median salary ($4,666/year) and putting it in a CD would earn an additional $133 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 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 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 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 Wisconsin as everywhere in the U.S.
Choosing a CD Term in 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 Wisconsin savers easier access to their funds. For example, Forward Bank is offering its 6 Month CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, State Bank of Newburg is offering its 60 mo Certificate of Deposit at 4.54% 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 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 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 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 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 Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Wisconsin
Are CD rates in Wisconsin FDIC insured?
Yes, most established banks in 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 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 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 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 Wisconsin?
Here are recent top rates found for this area:
- State Bank of Newburg: 4.84% APY (18 mo Variable Rate IRA 18 mo Certificate of Deposit)
- PSB of Plainview: 4.63% APY (12 Month Certificate)
- Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
- FNB of Bangor: 4.30% APY (12 Month Certificate)
- Spring Bank Brookfield, WI : 4.25% APY (Business 5 Year)
- Northwestern Mutual Credit Union: 4.24% APY (Certificate of Deposit - 2 years)
- CIBC: 4.15% APY (12-month CD)
- Bank of Deerfield: 4.11% APY (90 Day Certificate of Deposit)
- F&M Union Bank: 4.09% APY (60 Month IRA CD)
- Laona State Bank: 4.07% APY (12 Month Special)
Rates reflect recent verified offers available in Wisconsin. Last Updated: September 9, 2026
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 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 Wisconsin
Wisconsin CD Calculator
At today’s WI top rate of 4.84% APY, a $10,000 deposit earns $484 in the first year. Enter your amount to see your exact return.
Wisconsin CD LadderWI CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wisconsin CD at 4.84% 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 2.840% 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 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 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 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 9, 2026
Cities in Wisconsin
Rate Assistant
MonitorBankRates.com · Live Data
Try asking