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CD Rate Trends

Curtiss, Wisconsin Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Curtiss, Wisconsin CD rates from banks and credit unions serving Wisconsin range from 2.20% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Curtiss, Wisconsin CD rates include CO-OP Credit UnionCO-OP Credit UnionA+5.0 ★Texas Ratio: 5.54%Real return: +2.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Youth Saver Certificate at 6.00% APY, Gundersen Credit UnionGundersen Credit UnionA+5.0 ★Texas Ratio: 0.40%Real return: +1.80%APY minus CPIRate verified Oct 19, 2026 offering Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate) at 5.50% APY, Fort Community Credit UnionFort Community Credit UnionA5.0 ★Texas Ratio: 8.84%Real return: +1.45%APY minus CPIRate verified Oct 19, 2026 offering Certificates - 60-Month at 5.15% APY, 1st Community Credit Union1st Community Credit UnionA+5.0 ★Texas Ratio: 5.97%Real return: +1.43%APY minus CPIRate verified Oct 19, 2026 offering 36-MONTH TEEN CERTIFICATE SPECIAL at 5.13% APY, and Northwoods Community Credit UnionNorthwoods Community Credit UnionA+5.0 ★Texas Ratio: 2.66%Real return: +1.36%APY minus CPIRate verified Oct 19, 2026 offering Youth Share Certificate - 6 Month at 5.06% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Curtiss is a smaller community with no bank or credit union branches currently in our database. 741 institutions serving the Wisconsin area are available to Curtiss residents, with CD rates as high as 6.00% APY from CO-OP Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Curtiss, Wisconsin & the Surrounding Area

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Curtiss 3 Month CD Rates

Wisconsin 3 Month CD Average1.53% APYNational 2.13%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Holy Family Memorial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 Month Share Certificate
$1,000
3.96% ▲ 2.43% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 2.43% above avgNationally 2.13%
Details

Effective 10/16/2026; APY is annual percentage yield

Rate History
No change since Oct 22, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 3 Month
$0
3.92% ▲ 2.39% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 2.39% above avgNationally 2.13%
Details

Minimum $75,000.00 Terms tier

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 25, 2026: 3.41% APYOct 23, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90% ▲ 2.37% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 2.37% above avgNationally 2.13%
Details

Dividend rate from comparison table

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (3 Month)
$10,000
3.90% ▲ 2.37% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 2.37% above avgNationally 2.13%
Details

No IRA Available

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 25, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 2.32% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▲ 2.32% above avgNationally 2.13%
Details

Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Option CD
$500
3.85% ▲ 2.32% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 2.32% above avgNationally 2.13%
Details

9-Month Option CD (footnote 6): can deposit or withdraw without penalty at each 90 day anniversary; $500 minimum balance must be maintained; aggregate deposits during 9 month term may not exceed $250,000; no institutional money; Compounding: Quarterly

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 25, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Commercial 90 Day Option CD
$500
3.85% ▲ 2.32% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 2.32% above avgNationally 2.13%
Details

Commercial deposit; SPECIALS; 9-month term with option to withdraw or deposit without penalty at each 90 day anniversary; $500 minimum must be maintained; aggregate deposits up to $250,000; no institutional money; Compounding: Quarterly

Rate History
No change since Oct 23, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75% ▲ 2.22% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 2.22% above avgNationally 2.13%
Details

Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 3 Month
$0
3.67% ▲ 2.14% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 2.14% above avgNationally 2.13%
Details

Balance: $20,000.00 Minimum

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 25, 2026: 3.41% APYOct 23, 2026: 3.67% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.67%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month CD
$0
3.60% ▲ 2.07% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 2.07% above avgNationally 2.13%
Details

Compounding: At Maturity; Early withdrawal penalty: one month's interest; Interest Rate/APY shown as 3.60% / 3.60% APY

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit - 90 Day
$1,000
3.56% ▲ 2.03% above Wisconsin avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 2.03% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$10,000
3.50% ▲ 1.97% above Wisconsin avg
View
▼
Rate3.46%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 1.97% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
1.00%2.88%4.75%Sep 14, 2026: 2.25% APYOct 3, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.50%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Month
$0
3.45% ▲ 1.92% above Wisconsin avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.92% above avgNationally 2.13%
Details

Balance: $100,000 and higher; Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 3, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 3, 2026: 3.45% APYOct 3, 2026Oct 25, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 3-Month
$250
3.44% ▲ 1.91% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.91% above avgNationally 2.13%
Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History
No change since Oct 13, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$0
3.41% ▲ 1.88% above Wisconsin avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 1.88% above avgNationally 2.13%
Details

Minimum $500.00 Terms

Rate History
No change since Oct 12, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate (3 Month)
$1,000
3.40% ▲ 1.87% above Wisconsin avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.87% above avgNationally 2.13%
Details

No IRA Available

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 3 Month
$0
3.25% ▲ 1.72% above Wisconsin avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.72% above avgNationally 2.13%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Month
$0
3.15% ▲ 1.62% above Wisconsin avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.62% above avgNationally 2.13%
Details

Balance: $25,000 - $99,999; Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 3, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 3, 2026: 3.15% APYOct 3, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$2,500
3.05% ▲ 1.52% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.52% above avgNationally 2.13%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Month
$0
3.05% ▲ 1.52% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.52% above avgNationally 2.13%
Details

Balance: $1,000 - $24,999; Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 3, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 3, 2026: 3.05% APYOct 3, 2026Oct 25, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 Month CD
$1,000
3.03% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 1.50% above avgNationally 2.13%
Details

$1,000 or more

Rate History
1 change since Sep 27, 2026 · 1.61% → 3.03% ▲ 1.42 pts · high 3.03% / low 1.61%
0.19%2.32%4.45%Sep 27, 2026: 1.61% APYOct 7, 2026: 3.03% APYSep 27, 2026Oct 25, 2026
  • Oct 7, 20263.03%▲ from 1.61%
  • Sep 27, 20261.61%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Month Certificate
$0
3.00% ▲ 1.47% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.47% above avgNationally 2.13%
Details

Effective October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate Special
$0
3.00% ▲ 1.47% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.47% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days; Effective Date: October 18, 2026

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificate - 3 Months
$2,000
3.00% ▲ 1.47% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.47% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$2,500
2.85% ▲ 1.32% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 19, 2026: 2.85% APYSep 19, 2026Oct 25, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85% ▲ 1.32% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

Dividends compounded and credited at maturity; rates as of August 21, 2026

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificates
$0
2.85% ▲ 1.32% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Regular Certificate
$0
2.85% ▲ 1.32% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

Certificates with $250,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 3 Months
$1,000
2.83% ▲ 1.30% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.30% above avgNationally 2.13%
Details

Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Sep 14, 2026: 2.83% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificates
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

Minimum balance $10,000

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Regular Certificate
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

Certificates with $10,000 Minimum

Rate History
No change since Oct 19, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Certificates - 3 Months
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

Individual Retirement Account (IRAs) with $10,000 Minimum

Rate History
No change since Oct 9, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 9, 2026: 2.80% APYOct 9, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 3 Month
$2,500
2.75% ▲ 1.22% above Wisconsin avg
View
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.22% above avgNationally 2.13%
Details

Minimum $2500 to open

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificate - Regular
$0
2.75% ▲ 1.22% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.22% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificate
$0
2.75% ▲ 1.22% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.22% above avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 9, 2026: 2.75% APYOct 9, 2026Oct 25, 2026
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate of Deposit - 3 Month
$500
2.52% ▲ 0.99% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 0.99% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 1.41% → 2.52% ▲ 1.11 pts · high 2.52% / low 1.41%
0.30%1.96%3.63%Sep 14, 2026: 1.41% APYOct 3, 2026: 2.52% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20262.52%▲ from 1.41%
  • Sep 14, 20261.41%first recorded
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate of Deposit - 32 - 90 Days
$500
2.52% ▲ 0.99% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 21, 2026: 2.52% APYOct 21, 2026Oct 25, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 90 Day
$1,000
2.52% ▲ 0.99% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 25, 2026
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-Month CD
$1,000
2.50% ▲ 0.97% above Wisconsin avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average1.53%▲ 0.97% above avgNationally 2.13%
Details

Interest credited at maturity on CDs less than 12 months; no deposits can be added

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share Certificates - 3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40% ▲ 0.87% above Wisconsin avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 0.87% above avgNationally 2.13%
Details

Interest calculated on daily balance and paid quarterly; Rates effective 5/8/2023

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 9 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 25, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month CD
$2,500
2.20% ▲ 0.67% above Wisconsin avg
View
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average1.53%▲ 0.67% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 14, 2026 · 2.20% → 2.20% ▼ 0.00 pts · high 3.60% / low 2.20%
0.80%2.90%5.00%Sep 14, 2026: 2.20% APYSep 18, 2026: 3.60% APYSep 25, 2026: 2.20% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20262.20%▼ from 3.60%
  • Sep 18, 20263.60%▲ from 2.20%
  • Sep 14, 20262.20%first recorded

Curtiss 6 Month CD Rates

Wisconsin 6 Month CD Average2.40% APYNational 2.78%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Youth Share Certificate - 6 Month
$100
5.06% ▲ 2.66% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 2.66% above avgNationally 2.78%
Details

Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 5.06% APY · checked 2 times
4.56%5.06%5.56%Sep 14, 2026: 5.06% APYSep 14, 2026Oct 25, 2026
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Loyalty Certificate Promo - 6 Months
$0
4.59% ▲ 2.19% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 2.19% above avgNationally 2.78%
Details

Requirements for LOYALTY CERTIFICATE PROMO: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.; APR column printed as 4.50%; Penalty for Early Withdrawal is loss of 90 days dividends

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 25, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50% ▲ 2.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 2.10% above avgNationally 2.78%
Details

Dividends compounded and credited at maturity; rates as of August 21, 2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 6 Month
$500
4.40% ▲ 2.00% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 2.00% above avgNationally 2.78%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificates of Deposits - 6 months
$1,000
4.30% ▲ 1.90% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.90% above avgNationally 2.78%
Details

Rates effective 09/24/2026; APY assumes dividends remain in the account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 25, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
6 Month Certificate of Deposit
$1,000
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
3.36%4.06%4.75%Sep 14, 2026: 3.86% APYOct 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 3.86%
  • Sep 14, 20263.86%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 6 Months
$0
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 180 Days; Effective Date: October 18, 2026

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 6 Months
$0
4.18% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.78% above avgNationally 2.78%
Details

Rate History
6 changes since Sep 14, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 14, 2026: 4.18% APYSep 18, 2026: 4.15% APYSep 21, 2026: 4.18% APYSep 25, 2026: 4.15% APYSep 29, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 29, 20264.18%▲ from 4.15%
  • Sep 25, 20264.15%▼ from 4.18%
Bank of Luxemburg
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month CD
$1,000
4.15% ▲ 1.75% above Wisconsin avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.75% above avgNationally 2.78%
Details

Not all CD/IRA specials are available for online account opening, please contact your local branch. Annual Percentage Yield effective October 19, 2026.

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 19, 2026: 3.90% APYOct 14, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.15%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
Individual Retirement Accounts - 6 Month
$0
4.11% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.71% above avgNationally 2.78%
Details

Rate History
No change since Oct 21, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 21, 2026: 4.11% APYOct 21, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 6 Month
$0
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month CD
$2,500
4.05% ▲ 1.65% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.65% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 19, 2026: 3.90% APYOct 21, 2026: 4.05% APYSep 19, 2026Oct 25, 2026
  • Oct 21, 20264.05%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 6 Months
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
6 Month Certificates of Deposit Special
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Special certificate rate; Rates Effective as of 10/14/2026

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit - 6 Month
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.00% ▲ 0.23 pts · high 4.00% / low 3.77%
3.27%3.89%4.50%Sep 14, 2026: 3.77% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.00%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Alliance Bank WI
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month CD Special
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Special CD; early withdrawal penalty applies; fees may reduce earnings

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Fixed Rate Special
$5,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Special is for a 6 Month CD only. Offer may expire at any time without notice.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 6 Month
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 3, 2026: 4.00% APYOct 3, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Min. Balance to Open & Obtain APY: $1,000; Early withdrawal may be subject to penalty

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

SPECIALS Certificates & IRAs; Compounding: At Maturity

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Commercial 6 Month CD
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Commercial deposit; SPECIALS; Compounding: At Maturity

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Certificate Special - 6-month
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (6 Month)
$10,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

No IRA Available

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 25, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate 6 Month
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Holy Family Memorial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6 Month Share Certificate
$1,000
3.96% ▲ 1.56% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.56% above avgNationally 2.78%
Details

Effective 10/16/2026; APY is annual percentage yield

Rate History
No change since Oct 22, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate - 6 Months
$0
3.92% ▲ 1.52% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.52% above avgNationally 2.78%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 10 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$0
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Compounding: At Maturity; Early withdrawal penalty: one month's interest; Interest Rate/APY shown as 3.90% / 3.90% APY

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD
$0
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Open Account Online

Rate History
2 changes since Sep 20, 2026 · 3.90% → 3.90% ▼ 0.00 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYOct 22, 2026: 3.90% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20263.90%▼ from 4.00%
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Mo Share CD
$0
3.90% ▲ 1.50% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Printed as APR% on source; When Paid: At maturity; EW Penalty: 1 mo int.

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
Certificate of Deposit - 6 Month Special
$10,000
3.82% ▲ 1.42% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.78%
Details

Compounded/Credited Monthly

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 6 Month
$0
3.82% ▲ 1.42% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.42% above avgNationally 2.78%
Details

Minimum $75,000.00 Terms tier

Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 25, 2026: 3.30% APYOct 23, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 6 Month
$0
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 3, 2026: 3.80% APYOct 3, 2026Oct 25, 2026
Greater Pittsburgh Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
6 Month Share Certificate
$500
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Annual Percentage Dividend 3.75%; Early withdrawal penalty: 60 days Div.; Automatically renews at maturity; Interest reinvests quarterly

Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 22, 2026: 3.80% APYOct 22, 2026Oct 25, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 25, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6 Month Certificate
$1,000
3.80% ▲ 1.40% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.40% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
6 Month CD/IRA
$2,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Special rate; Annual Percentage Yield accurate as of September 17, 2026

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 25, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$5,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.75% ▲ 1.25 pts · high 3.75% / low 2.50%
1.25%3.13%5.00%Sep 14, 2026: 2.50% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificate - 6 months
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 6 Month
$0
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Balance: $1,000 - $24,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 3, 2026: 3.70% APYOct 3, 2026Oct 25, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 25, 2026
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month IRA Share Certificate
$2,000
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.67%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Dividend Compounded: At Maturity; Dividend Added: At Maturity

Rate History
No change since Oct 19, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 19, 2026: 3.70% APYOct 19, 2026Oct 25, 2026
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates (CDs) - 6 Months
$0
3.70% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.30% above avgNationally 2.78%
Details

Dividends Compounded: At Maturity; Dividend Added: At Maturity

Rate History
No change since Oct 19, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 19, 2026: 3.70% APYOct 19, 2026Oct 25, 2026

Curtiss 12 Month CD Rates

Wisconsin 12 Month CD Average2.81% APYNational 2.99%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Youth Saver Certificate
$100
6.00% ▲ 3.19% above Wisconsin avg
View
▼
Rate5.87%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 3.19% above avgNationally 2.99%
Details

$3,000 maximum

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 25, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Youth Saver Certificate - 12 Month
$100
6.00% ▲ 3.19% above Wisconsin avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 3.19% above avgNationally 2.99%
Details

Youth under the age of 18; maximum deposit $3,000; limit one Youth Saver Certificate per member under 18; automatically renews into a 12-month share certificate at the current rate at age 18; substantial penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 25, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50% ▲ 2.69% above Wisconsin avg
View
▼
Rate5.39%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 2.69% above avgNationally 2.99%
Details

Ages: 13-17

Rate History
No change since Oct 13, 2026 · 5.50% APY · checked 2 times
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate of Deposit
$0
4.63% ▲ 1.82% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.82% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
No change since Sep 19, 2026 · 4.63% APY · checked 2 times
4.13%4.63%5.13%Sep 19, 2026: 4.63% APYSep 19, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
CD - 12 Months
$0
4.63% ▲ 1.82% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.82% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
No change since Sep 14, 2026 · 4.63% APY · checked 8 times
4.13%4.63%5.13%Sep 14, 2026: 4.63% APYSep 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 13, 2026: 4.59% APYOct 13, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50% ▲ 1.69% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.69% above avgNationally 2.99%
Details

Featured rate; Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD Special
$1,000
4.50% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.69% above avgNationally 2.99%
Details

Membership eligibility required; Penalties for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificates - CD Special
$500
4.50% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.69% above avgNationally 2.99%
Details

CD SPECIAL

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 12 Months
$0
4.50% ▲ 1.69% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.69% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 270 Days; Effective Date: October 18, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$500
4.44% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 13, 2026: 4.44% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Certificate Account
$0
4.40% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.99%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA Certificate - 12 month
$1,000
4.35% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.54% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.85%
3.35%4.10%4.85%Sep 18, 2026: 3.85% APYOct 19, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.35%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Month CD & IRA
$1,000
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

CD & IRA Specials

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 25, 2026
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit - 12 Months
$0
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

Rates effective since: August 31, 2026

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 9 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Certificates - 12 month
$100
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30% ▲ 1.49% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30% ▲ 1.49% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 12 Months
$0
4.29% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.48% above avgNationally 2.99%
Details

Rate History
6 changes since Sep 14, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
3.75%4.27%4.79%Sep 14, 2026: 4.29% APYSep 18, 2026: 4.25% APYSep 21, 2026: 4.29% APYSep 25, 2026: 4.25% APYSep 29, 2026: 4.29% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.29% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.29%▲ from 4.25%
  • Oct 5, 20264.25%▼ from 4.29%
  • Sep 29, 20264.29%▲ from 4.25%
  • Sep 25, 20264.25%▼ from 4.29%
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate of Deposit - 1 Year
$250
4.26% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.19%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.45% above avgNationally 2.99%
Details

Rates effective as of 10/16/2026

Rate History
No change since Oct 20, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 20, 2026: 4.26% APYOct 20, 2026Oct 25, 2026
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1 Year Certificate of Deposit
$2,500
4.26% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.19%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.45% above avgNationally 2.99%
Details

Balance: $10,000 or more; Special, limited time offer; Penalties may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 4.01% → 4.26% ▲ 0.25 pts · high 4.26% / low 4.01%
3.51%4.14%4.76%Sep 19, 2026: 4.01% APYOct 22, 2026: 4.26% APYSep 19, 2026Oct 25, 2026
  • Oct 22, 20264.26%▲ from 4.01%
  • Sep 19, 20264.01%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 12 Month
$500
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
12 Month CD/IRA
$2,000
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Special rate; Annual Percentage Yield accurate as of September 17, 2026

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
1 Year Certificate of Deposit
$1,000
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Youngster (Age 0-12) - 12 Month Term (Deposit Certificate)
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Ages: 0-12

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month Share Certificate
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Section: Share Certificates and IRA Certificates; $100 Minimum to Open or Earn Dividends; Certificate penalty for early withdrawals applies

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificates and IRA Certificates - 12 Months
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1 Year Certificate of Deposit
$0
4.24% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 19, 2026: 4.24% APYOct 19, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1 Year IRA Certificate
$0
4.24% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 19, 2026: 4.24% APYOct 19, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 1 Year
$0
4.20% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.39% above avgNationally 2.99%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 3, 2026: 4.20% APYOct 3, 2026Oct 25, 2026
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 1 Year
$500
4.15% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.99%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.99%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
2.17%3.66%5.14%Sep 14, 2026: 3.16% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month CD
$0
4.10% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.29% above avgNationally 2.99%
Details

Balance: $500.00 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
0.52%3.20%5.89%Sep 18, 2026: 2.31% APYOct 2, 2026: 4.00% APYOct 14, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.00%
  • Oct 2, 20264.00%▲ from 2.31%
  • Sep 18, 20262.31%first recorded
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit Specials - 12 Month Special
$2,500
4.10% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.29% above avgNationally 2.99%
Details

Minimum to open account & earn APY: $2,500

Rate History
No change since Oct 22, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 12-month IRA
$0
4.10% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.29% above avgNationally 2.99%
Details

Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (12 Month)
$10,000
4.10% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 25, 2026
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
Certificate of Deposit - 12 Month Special
$10,000
4.07% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.26% above avgNationally 2.99%
Details

Compounded/Credited Monthly

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
12 Month Jumbo Certificates
$0
4.05% ▲ 1.24% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.24% above avgNationally 2.99%
Details

APY current as of 10/01/2026; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
2.05%3.55%5.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 mo Certificate of Deposit
$500
4.02% ▲ 1.21% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.21% above avgNationally 2.99%
Details

Balance: $10,000 or above; Interest credited: Monthly; Fixed

Rate History
No change since Oct 15, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 15, 2026: 4.02% APYOct 15, 2026Oct 25, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month Share Certificate - Gold MVP
$1,000
4.01% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.20% above avgNationally 2.99%
Details

Compounded: Monthly; MVP Level: Gold; Effective Date: October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 19, 2026: 4.01% APYOct 19, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 12 Month
$2,500
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
CD - 1 Year (Promo)
$10,000
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 18, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificate of Deposit (CD) - 12 Month
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Compounded Quarterly; Balance: $20,000.00 and over

Rate History
1 change since Oct 7, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 7, 2026: 3.75% APYOct 14, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
IRA Certificate of Deposit - 12 Month
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Balance: $20,000.00 and over; Compounded Quarterly

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
12 Month Certificates of Deposit Special
$500
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Special certificate rate; Rates Effective as of 10/14/2026

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Year YOUR. CD.
$1,000
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate Of Deposits - 12 Month
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026

Curtiss 18 Month CD Rates

Wisconsin 18 Month CD Average2.78% APYNational 2.88%Unchanged from last week
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%
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84% ▲ 2.06% above Wisconsin avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 2.06% above avgNationally 2.88%
Details

Interest credited: Quarterly; Variable

Rate History
No change since Sep 14, 2026 · 4.84% APY · checked 7 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APYSep 14, 2026Oct 25, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA Certificate - 18 month
$1,000
4.75% ▲ 1.97% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.75% ▲ 0.80 pts · high 4.75% / low 3.95%
3.15%4.35%5.55%Sep 14, 2026: 3.95% APYOct 19, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.75%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Certificates - 18 month
$100
4.70% ▲ 1.92% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 19, 2026: 4.70% APYOct 19, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 25, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Basic MVP
$50
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Basic; Effective Date: October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 19, 2026: 4.49% APYOct 19, 2026Oct 25, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Gold MVP
$50
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Gold; Effective Date: October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 19, 2026: 4.49% APYOct 19, 2026Oct 25, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Silver MVP
$50
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Silver; Effective Date: October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 19, 2026: 4.49% APYOct 19, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.67% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.67% above avgNationally 2.88%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 18 Months
$0
4.41% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.63% above avgNationally 2.88%
Details

Rate History
6 changes since Sep 14, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 14, 2026: 4.41% APYSep 18, 2026: 4.35% APYSep 21, 2026: 4.41% APYSep 25, 2026: 4.35% APYSep 29, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 29, 20264.41%▲ from 4.35%
  • Sep 25, 20264.35%▼ from 4.41%
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Certificate Account
$0
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.88%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.88%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
4.35% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 18 Month
$0
4.35% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate of Deposit
$0
4.34% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate
$0
4.34% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 25, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.52% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
0.42%3.33%6.24%Sep 18, 2026: 2.36% APYOct 2, 2026: 4.10% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.10%
  • Oct 2, 20264.10%▲ from 2.36%
  • Sep 18, 20262.36%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 18 Month
$500
4.30% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.52% above avgNationally 2.88%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 18 Month with Raise Your Rate Option
$500
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Raise Your Rate option; Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 18 Months
$500
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month Share Certificate
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Section: Share Certificates and IRA Certificates; $100 Minimum to Open or Earn Dividends; Certificate penalty for early withdrawals applies

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate Special - 18 Months
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificates and IRA Certificates - 18 Months
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Special 18 Months
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Share Certificates and IRA Certificates; $100 Minimum to Open or Earn Dividends

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-Month Certificate
$0
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.47% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (18 Month)
$10,000
4.20% ▲ 1.42% above Wisconsin avg
View
▼
Rate4.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 25, 2026
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
18-Month CD
$1,000
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.88%
Details

Certificate of Deposit Special Offer; Simple Interest Rate 4.07%

Rate History
1 change since Sep 19, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56%
2.97%3.86%4.74%Sep 19, 2026: 3.56% APYSep 27, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Sep 27, 20264.15%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate of Deposit - 18 Month
$250
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.88%
Details

Rates effective as of 10/16/2026

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate Of Deposits and Fixed Rate IRA CDs
$0
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Mo Share CD
$0
4.15% ▲ 1.37% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.88%
Details

Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate Of Deposits and Fixed Rate IRA CDs
$0
4.05% ▲ 1.27% above Wisconsin avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.27% above avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificate of Deposit (CD) - 18 Month
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Compounded Quarterly; Balance: $20,000.00 and over

Rate History
1 change since Oct 7, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 7, 2026: 3.50% APYOct 14, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.50%
  • Oct 7, 20263.50%first recorded
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
IRA Certificate of Deposit - 18 Month
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Balance: $20,000.00 and over; Compounded Quarterly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA CD
$10,000
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Early withdrawal penalty: 91 days of interest

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.20% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.20% above avgNationally 2.88%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 22, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$2,500
3.95% ▲ 1.17% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.17% above avgNationally 2.88%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificate of Deposit (CD) - 18 Month
$0
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.88%
Details

Compounded Quarterly; Balance: $10,000.00 - $19,999.99

Rate History
1 change since Oct 7, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Oct 7, 2026: 3.40% APYOct 14, 2026: 3.90% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20263.90%▲ from 3.40%
  • Oct 7, 20263.40%first recorded
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
IRA Certificate of Deposit - 18 Month
$0
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.88%
Details

Balance: $10,000.00 - $19,999.99; Compounded Quarterly

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
CD Specials - 18 months
$5,000
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.88%
Details

Balance: $5,000.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 2, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 2, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IRA CD Specials - 18 month
$300
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.88%
Details

Balance: $300.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
18-Month CD
$1,000
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Quarterly compounding on accounts 12 months and over; no deposits can be added

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 20, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 Month Certificate
$1,000
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded

Curtiss 24 Month CD Rates

Wisconsin 24 Month CD Average2.89% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 24 Months
$0
4.52% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.63% above avgNationally 2.90%
Details

Rate History
6 changes since Sep 14, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 14, 2026: 4.52% APYSep 18, 2026: 4.45% APYSep 21, 2026: 4.52% APYSep 25, 2026: 4.45% APYSep 29, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 29, 20264.52%▲ from 4.45%
  • Sep 25, 20264.45%▼ from 4.52%
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$2,500
4.50% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.90%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.90%
Details

Balance: $500.00 - $99,999.99

Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 2, 2026: 4.25% APYOct 14, 2026: 4.50% APYOct 2, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.25%
  • Oct 2, 20264.25%first recorded
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
24 Month CD/IRA
$2,000
4.50% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.90%
Details

Special rate; Annual Percentage Yield accurate as of September 17, 2026

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year IRA Certificate
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2 Year Certificate Account
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 2 Years
$500
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year CD
$1,000
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Min. Balance to Open & Obtain APY: $1,000; Early withdrawal may be subject to penalty

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus CD
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

1 time rate bump; additions of $500 or more at any time; Open Account Online

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus IRA
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

1 time rate bump; additions of $500 or more at any time; Open Account Online

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year IRA
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35% ▲ 1.46% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.90%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
1.65%3.68%5.70%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 2 1/2 Year
$500
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.90%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 2 Year
$500
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.90%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 25, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2 Year CD
$1,000
4.30% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 19, 2026: 4.15% APYOct 21, 2026: 4.30% APYSep 19, 2026Oct 25, 2026
  • Oct 21, 20264.30%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 25, 2026
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
CD Special - 24 Month
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Renews to 30 mo; Effective 09/15/2026

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
CDs & IRAs - Specials - 24 Month
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Renews to 30 mo; Effective 09/15/2026

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24-Month Fixed Rate CD Special
$2,500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 20, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Mo Share CD
$0
4.25% ▲ 1.36% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-Month Certificate
$0
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 24 Month
$2,500
4.20% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.31% above avgNationally 2.90%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 2 Year
$0
4.20% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.31% above avgNationally 2.90%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 3, 2026: 4.20% APYOct 3, 2026Oct 25, 2026
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Individual Retirement Accounts - 2 Year
$1
4.15% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.26% above avgNationally 2.90%
Details

Simple Interest Rate: 4.09%; Minimum Balance to Receive APY: $1.00

Rate History
1 change since Sep 19, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55%
2.95%3.85%4.75%Sep 19, 2026: 3.55% APYSep 27, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Sep 27, 20264.15%▲ from 3.55%
  • Sep 19, 20263.55%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.90%
Details

Balance: $10,000 or above; Interest credited: Monthly; Fixed

Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 15, 2026: 4.13% APYOct 15, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
FNC Bank Richmond, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate of Deposit - 2 Year
$250
4.10% ▲ 1.21% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.21% above avgNationally 2.90%
Details

Rates effective as of 10/16/2026

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.19% above avgNationally 2.90%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 24 Months
$0
4.08% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.19% above avgNationally 2.90%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
3.27%3.93%4.58%Sep 14, 2026: 3.77% APYOct 22, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.08%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Month Certificate of Deposit
$0
4.06% ▲ 1.17% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.17% above avgNationally 2.90%
Details

Balance: $35,000+

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
CD - 24 Months
$0
4.06% ▲ 1.17% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.17% above avgNationally 2.90%
Details

Balance: $35,000+

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 8 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 25, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.05% ▲ 1.16% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.16% above avgNationally 2.90%
Details

Balance: Under $10,000; Interest credited: Annually; Fixed

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 25, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 Month CD
$1,000
4.04% ▲ 1.15% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.15% above avgNationally 2.90%
Details

$1,000 or more

Rate History
1 change since Sep 27, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 27, 2026: 2.62% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 25, 2026
  • Oct 7, 20264.04%▲ from 2.62%
  • Sep 27, 20262.62%first recorded
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
24 Month Share Certificates and IRA Certificates
$1,000
4.01% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.12% above avgNationally 2.90%
Details

$500 minimum deposit for custodial accounts; Penalty for early withdrawal is half of the interest earned over the term

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 24 Months
$0
4.01% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.12% above avgNationally 2.90%
Details

Minimum balance $1,000.00

Rate History
No change since Oct 13, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 25, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year IRA
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 2 Years
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
2 Year Certificate of Deposit
$1,000
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.42% → 4.00% ▲ 1.58 pts · high 4.00% / low 2.42%
0.84%3.21%5.58%Sep 14, 2026: 2.42% APYOct 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.00%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 2 Year
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Balance: $25,000 - $99,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 3, 2026: 4.00% APYOct 3, 2026Oct 25, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Certificates - 24-Month
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Min. Balance: $500.00 minimum

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 2 Year
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Centricity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Month Share Certificate Special
$0
4.00% ▲ 1.11% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.11% above avgNationally 2.90%
Details

Promotional special: 24 Months at 4.00% APY*

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 24-Month Step-Up
$250
3.97% ▲ 1.08% above Wisconsin avg
View
▼
Rate3.91%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 1.08% above avgNationally 2.90%
Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History
No change since Oct 13, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 25, 2026

Curtiss 36 Month CD Rates

Wisconsin 36 Month CD Average2.86% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13% ▲ 2.27% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 2.27% above avgNationally 2.81%
Details

Ages: 13-15; For ages 13-15 years old; Maximum deposit $10,000

Rate History
No change since Sep 14, 2026 · 5.13% APY · checked 8 times
4.63%5.13%5.63%Sep 14, 2026: 5.13% APYSep 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$2,500
4.60% ▲ 1.74% above Wisconsin avg
View
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.74% above avgNationally 2.81%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3-Year CD
$1,000
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

Min. Balance to Open & Obtain APY: $1,000; Early withdrawal may be subject to penalty

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 25, 2026
  • Oct 8, 20264.50%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3-Year IRA
$0
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

Open Account Online

Rate History
1 change since Sep 28, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 28, 2026: 4.00% APYOct 22, 2026: 4.50% APYSep 28, 2026Oct 25, 2026
  • Oct 22, 20264.50%▲ from 4.00%
  • Sep 28, 20264.00%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month - 10% New Money Certificate
$500
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

10 for 10 SPECIALS Certificates Only (No IRA or HSA); 10% of the total CD amount must be funds from another financial institution; Compounding: Annually

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit - 36 Month
$2,500
4.45% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.59% above avgNationally 2.81%
Details

Rates as of September 18, 2026; Table: Certificate of Deposits, IRAs, and HSA

Rate History
No change since Oct 20, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 20, 2026: 4.45% APYOct 20, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
3 Year Certificate Account
$0
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 3 Years
$500
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$500
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

10 for 10 SPECIALS Certificates Only (No IRA or HSA); Compounding: Annually

Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 25, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Commercial 36 Month CD
$500
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Commercial deposit; TERM CDs; Compounding: Annually

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 25, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.53% above avgNationally 2.81%
Details

Balance: $10,000 or above; Interest credited: Monthly; Fixed

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Mo Share CD
$0
4.35% ▲ 1.49% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 13, 2026: 4.33% APYOct 13, 2026Oct 25, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.30% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.44% above avgNationally 2.81%
Details

Balance: Under $10,000; Interest credited: Annually; Fixed

Rate History
No change since Oct 15, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 15, 2026: 4.30% APYOct 15, 2026Oct 25, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Certificate of Deposit 3 Year
$500
4.27% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.41% above avgNationally 2.81%
Details

Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 14, 2026: 4.27% APYOct 14, 2026Oct 25, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.20% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
2.70%3.83%4.95%Sep 14, 2026: 3.45% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.20%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Year
$0
4.20% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.34% above avgNationally 2.81%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 3, 2026: 4.20% APYOct 3, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 3 Year
$0
4.15% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.29% above avgNationally 2.81%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$2,500
4.10% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.24% above avgNationally 2.81%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 36-Month
$250
4.06% ▲ 1.20% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.20% above avgNationally 2.81%
Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 25, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36 Month CD
$1,000
4.04% ▲ 1.18% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.18% above avgNationally 2.81%
Details

$1,000 or more

Rate History
1 change since Sep 27, 2026 · 2.87% → 4.04% ▲ 1.17 pts · high 4.04% / low 2.87%
1.70%3.46%5.21%Sep 27, 2026: 2.87% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 25, 2026
  • Oct 7, 20264.04%▲ from 2.87%
  • Sep 27, 20262.87%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
36 Month CD
$1,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
36 Month IRA
$100
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

IRA: one deposit per calendar year up to $10,000 for Wisconsin residents

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
36-Month CD
$1,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Quarterly compounding on accounts 12 months and over; no deposits can be added

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 20, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
IRA 36-Month Fixed
$1,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

IRA CD (Traditional and Roth). $1,000 minimum balance required to open IRA CD. No deposits can be added. Interest compounded quarterly.

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Year
$0
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Balance: $25,000 - $99,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 3, 2026: 4.00% APYOct 3, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Greater Pittsburgh Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
36 Month Share Certificate
$500
3.96% ▲ 1.10% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.10% above avgNationally 2.81%
Details

Annual Percentage Dividend 3.90%; Early withdrawal penalty: 120 days Div.; Automatically renews at maturity; Interest reinvests quarterly

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month IRA CD
$1,000
3.94% ▲ 1.08% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 10 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91% ▲ 1.05% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.05% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
2.89%3.66%4.42%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.91%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 3 Year
$0
3.90% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.04% above avgNationally 2.81%
Details

Balance: $1,000 - $24,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 3, 2026: 3.90% APYOct 3, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month HSA CD
$1,000
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.89% APY · checked 10 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APYSep 14, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Everyday CD Options - 36 Month
$1,000
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Minimum Balance to Obtain APY: $1,000.00

Rate History
No change since Sep 24, 2026 · 3.89% APY · checked 7 times
3.39%3.89%4.39%Sep 24, 2026: 3.89% APYSep 24, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Personal HSA CD - 36 Month HSA CD
$1,000
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.89% APY · checked 2 times
3.39%3.89%4.39%Oct 20, 2026: 3.89% APYOct 20, 2026Oct 25, 2026
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
36 Month Certificate of Deposit
$500
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Oct 7, 2026 · 3.07% → 3.89% ▲ 0.82 pts · high 3.89% / low 3.07%
2.25%3.48%4.71%Oct 7, 2026: 3.07% APYOct 21, 2026: 3.89% APYOct 7, 2026Oct 25, 2026
  • Oct 21, 20263.89%▲ from 3.07%
  • Oct 7, 20263.07%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
Certificate of Deposit - 36 Months
$500
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.07% → 3.89% ▲ 0.82 pts · high 3.89% / low 3.07%
2.25%3.48%4.71%Sep 14, 2026: 3.07% APYOct 21, 2026: 3.89% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.89%▲ from 3.07%
  • Sep 14, 20263.07%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
IRA 36 Month Fixed Rate
$500
3.89% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.89% APY
3.39%3.89%4.39%Oct 21, 2026: 3.89% APYOct 21, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 14, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
Certificate of Deposit - 36 Months
$250
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 14, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 36 Months
$0
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Minimum balance $1,000.00

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificate
$5,000
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Minimum deposit: $5,000

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 36-month IRA
$0
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (3 Year)
$1,000
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3-year CD Rate
$0
3.81% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000+; Compounding/Posted: Monthly/Monthly

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 25, 2026

Curtiss 48 Month CD Rates

Wisconsin 48 Month CD Average2.78% APYNational 2.81%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70% ▲ 1.92% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.92% above avgNationally 2.81%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4 Year Certificate Account
$0
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.81%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.61% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 13, 2026: 4.39% APYOct 13, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 4 Year
$0
4.35% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.57% above avgNationally 2.81%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month CD
$1,000
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month IRA
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.81%
Details

IRA: one deposit per calendar year up to $10,000 for Wisconsin residents

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 4 Year
$0
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 3, 2026: 4.25% APYOct 3, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$500
4.23% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$2,500
4.20% ▲ 1.42% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.42% above avgNationally 2.81%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA CD
$25,000
4.20% ▲ 1.42% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.40% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.40% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48 Month Share Certificate
$0
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Includes Roth and Traditional Share IRAs; Dividends earned and posted monthly; Early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 48-Month
$250
4.13% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.35% above avgNationally 2.81%
Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
48-Month CD
$1,000
4.10% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Quarterly compounding on accounts 12 months and over; no deposits can be added

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 20, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 48-month IRA
$0
4.10% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 4 Year
$0
4.05% ▲ 1.27% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.27% above avgNationally 2.81%
Details

Balance: $25,000 - $99,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 3, 2026: 4.05% APYOct 3, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Jumbo Certificates
$0
4.05% ▲ 1.27% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.27% above avgNationally 2.81%
Details

APY current as of 10/01/2026; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
2.55%3.68%4.80%Sep 22, 2026: 3.30% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year CD
$1,000
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Min. Balance to Open & Obtain APY: $1,000; Early withdrawal may be subject to penalty

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year IRA
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Certificates
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 18, 2026: 3.25% APYOct 19, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month IRA CD
$1,000
3.99% ▲ 1.21% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 10 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificates of Deposit (CDs)
$0
3.96% ▲ 1.18% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.18% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
Certificate of Deposit - 48 Months
$250
3.96% ▲ 1.18% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.18% above avgNationally 2.81%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 4 Year
$0
3.95% ▲ 1.17% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.17% above avgNationally 2.81%
Details

Balance: $1,000 - $24,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 3, 2026: 3.95% APYOct 3, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month HSA CD
$1,000
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 10 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Everyday CD Options - 48 Month
$1,000
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Minimum Balance to Obtain APY: $1,000.00

Rate History
No change since Sep 24, 2026 · 3.94% APY · checked 7 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APYSep 24, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Personal HSA CD - 48 Month HSA CD
$1,000
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.94% APY · checked 2 times
3.44%3.94%4.44%Oct 20, 2026: 3.94% APYOct 20, 2026Oct 25, 2026
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
48 Month Certificate of Deposit
$500
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Oct 7, 2026 · 3.02% → 3.94% ▲ 0.92 pts · high 3.94% / low 3.02%
2.10%3.48%4.86%Oct 7, 2026: 3.02% APYOct 21, 2026: 3.94% APYOct 7, 2026Oct 25, 2026
  • Oct 21, 20263.94%▲ from 3.02%
  • Oct 7, 20263.02%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
Certificate of Deposit - 48 Months
$500
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.02% → 3.94% ▲ 0.92 pts · high 3.94% / low 3.02%
2.10%3.48%4.86%Sep 14, 2026: 3.02% APYOct 21, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.94%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
IRA 48 Month Fixed Rate
$500
3.94% ▲ 1.16% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.94% APY
3.44%3.94%4.44%Oct 21, 2026: 3.94% APYOct 21, 2026Oct 25, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA
$0
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 4 Years
$0
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 48 Months
$0
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Minimum balance $1,000.00

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (4 Year)
$1,000
3.90% ▲ 1.12% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.85% ▲ 0.61 pts · high 3.85% / low 3.24%
2.63%3.55%4.46%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
Certificate of Deposit - 48 Months
$250
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Balance: $10,000 - $34,999.99

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Certificate - 48-Month
$1,000
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Compound: Quarterly; Rates effective 9/24/2026

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
4 Year Certificates of Deposit
$100
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 25, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 48 Month
$500
3.80% ▲ 1.02% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 25, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 48 Months
$500
3.76% ▲ 0.98% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.98% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.75% ▲ 0.61 pts · high 3.75% / low 3.14%
2.53%3.45%4.36%Sep 14, 2026: 3.14% APYSep 27, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.75%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
Certificate of Deposit - 48 Months
$250
3.75% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Balance: $250 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.75% ▲ 0.31 pts · high 3.75% / low 3.44%
2.94%3.59%4.25%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.75%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Balance: $1,000.00+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 25, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificate - 48 Month
$1,000
3.75% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Traditional or Roth

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificate - 48 Months
$0
3.75% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days; Effective Date: October 18, 2026

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026

Curtiss 60 Month CD Rates

Wisconsin 60 Month CD Average2.99% APYNational 2.92%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 60-Month
$250
5.15% ▲ 2.16% above Wisconsin avg
View
▼
Rate5.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 2.16% above avgNationally 2.92%
Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History
No change since Oct 13, 2026 · 5.15% APY · checked 2 times
4.65%5.15%5.65%Oct 13, 2026: 5.15% APYOct 13, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$2,500
4.75% ▲ 1.76% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.76% above avgNationally 2.92%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.67% above Wisconsin avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.67% above avgNationally 2.92%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 5 Years
$500
4.65% ▲ 1.66% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.66% above avgNationally 2.92%
Details

Regular and jumbo CDs up to $1 million; advance approval required over $1 million; APY compounded monthly

Rate History
No change since Oct 22, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 22, 2026: 4.65% APYOct 22, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 60-month IRA
$0
4.61% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.62% above avgNationally 2.92%
Details

Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.61% APY · checked 2 times
4.11%4.61%5.11%Oct 13, 2026: 4.61% APYOct 13, 2026Oct 25, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.61% above avgNationally 2.92%
Details

Ages: 0-12; For ages 0-12 years old; Maximum deposit $10,000

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 8 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Jumbo Certificates
$0
4.55% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.56% above avgNationally 2.92%
Details

APY current as of 10/01/2026; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
2.55%4.05%5.55%Sep 22, 2026: 3.55% APYOct 13, 2026: 4.55% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.55%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.55% above avgNationally 2.92%
Details

Balance: $10,000 or above; Interest credited: Monthly; Fixed

Rate History
No change since Oct 15, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 15, 2026: 4.54% APYOct 15, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month CD
$1,000
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month IRA
$100
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

IRA: one deposit per calendar year up to $10,000 for Wisconsin residents

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 - 60 Month Regular CD
$500
4.50% ▲ 1.51% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Standard rates as high as 4.50% APY; flexible 3 to 60-month terms; federally insured by NCUA up to $250,000 per depositor

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 5 year
$0
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Dividend Rate column; IRA certificate terms are 1 year or greater; Effective Date as of 10/18/2026

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Certificates
$0
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 18, 2026: 3.50% APYOct 13, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20264.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.45% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.46% above avgNationally 2.92%
Details

Balance: Under $10,000; Interest credited: Annually; Fixed

Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 15, 2026: 4.45% APYOct 15, 2026Oct 25, 2026
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Mo Share CD
$0
4.45% ▲ 1.46% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.46% above avgNationally 2.92%
Details

Printed as APR% on source; When Paid: Quarterly; EW Penalty: 6 mo int.

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (5 Year)
$10,000
4.45% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.38%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.46% above avgNationally 2.92%
Details

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.45% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.45% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 13, 2026: 4.44% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
5 Year Certificate Account
$0
4.40% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.41% above avgNationally 2.92%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$5,000
4.30% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.31% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.30%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 5 Year
$0
4.30% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.31% above avgNationally 2.92%
Details

Balance: $100,000 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 3, 2026: 4.30% APYOct 3, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.29% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.29% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$2,500
4.25% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.26% above avgNationally 2.92%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.19% above avgNationally 2.92%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 60 Months
$0
4.18% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.19% above avgNationally 2.92%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
60-Month CD
$1,000
4.15% ▲ 1.16% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.16% above avgNationally 2.92%
Details

Quarterly compounding on accounts 12 months and over; no deposits can be added

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 20, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Share Certificate
$0
4.15% ▲ 1.16% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.16% above avgNationally 2.92%
Details

Includes Roth and Traditional Share IRAs; Dividends earned and posted monthly; Early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 5 Year
$0
4.10% ▲ 1.11% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.11% above avgNationally 2.92%
Details

Balance: $25,000 - $99,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month IRA CD
$1,000
4.09% ▲ 1.10% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.10% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 10 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 25, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5 Year Certificates of Deposit
$1,000
4.06% ▲ 1.07% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.07% above avgNationally 2.92%
Details

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 25, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 60 Months
$0
4.06% ▲ 1.07% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.07% above avgNationally 2.92%
Details

Minimum balance $1,000.00

Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month HSA CD
$1,000
4.04% ▲ 1.05% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.05% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 10 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Everyday CD Options - 60 Month
$1,000
4.04% ▲ 1.05% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.05% above avgNationally 2.92%
Details

Minimum Balance to Obtain APY: $1,000.00

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 7 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 25, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Personal HSA CD - 60 Month HSA CD
$1,000
4.04% ▲ 1.05% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.05% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 20, 2026: 4.04% APYOct 20, 2026Oct 25, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 Month CD
$1,000
4.04% ▲ 1.05% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.05% above avgNationally 2.92%
Details

$1,000 or more

Rate History
1 change since Sep 27, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
3.13%3.84%4.54%Sep 27, 2026: 3.63% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 25, 2026
  • Oct 7, 20264.04%▲ from 3.63%
  • Sep 27, 20263.63%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year IRA
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 5 Years
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Certificates of Deposit (Personal, IRA, or Business) - 5 Year
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Balance: $1,000 - $24,999; Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 3, 2026: 4.00% APYOct 3, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5-Year CD
$1,000
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Min. Balance to Open & Obtain APY: $1,000; Early withdrawal may be subject to penalty

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5-Year IRA
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 25, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
5 Year Certificate
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Effective October 18, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA Certificates - 5 Year
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Effective October 18, 2026; Penalty for early withdrawal on Certificates applies

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
60 Month Certificates of Deposit (CDs)
$0
3.96% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 0.97% above avgNationally 2.92%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
Certificate of Deposit - 60 Months
$250
3.96% ▲ 0.97% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 0.97% above avgNationally 2.92%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.96% ▲ 0.72 pts · high 3.96% / low 3.24%
2.52%3.60%4.68%Sep 14, 2026: 3.24% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.96%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Certificate - 60-Month
$1,000
3.95% ▲ 0.96% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.96% above avgNationally 2.92%
Details

Compound: Quarterly; Rates effective 9/24/2026

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share or IRA Certificate (5 Year)
$1,000
3.95% ▲ 0.96% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.96% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 14, 2026: 3.90% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.95%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
60 Month Certificate of Deposit
$500
3.94% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 0.95% above avgNationally 2.92%
Details

Rate History
1 change since Oct 7, 2026 · 2.92% → 3.94% ▲ 1.02 pts · high 3.94% / low 2.92%
1.90%3.43%4.96%Oct 7, 2026: 2.92% APYOct 21, 2026: 3.94% APYOct 7, 2026Oct 25, 2026
  • Oct 21, 20263.94%▲ from 2.92%
  • Oct 7, 20262.92%first recorded
Ergo Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.33%
Certificate of Deposit - 60 Months
$500
3.94% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▲ 0.95% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.92% → 3.94% ▲ 1.02 pts · high 3.94% / low 2.92%
1.90%3.43%4.96%Sep 14, 2026: 2.92% APYOct 21, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.94%▲ from 2.92%
  • Sep 14, 20262.92%first recorded
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 60 Months
$500
3.87% ▲ 0.88% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.88% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
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.

Top CD Rates from Curtiss, Wisconsin Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
State Bank of Newburg
18 mo Variable Rate IRA 18 mo Certificate of Deposit
A+ 5.0 ★ TX: 0.00%
Min: $500
4.84%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $2,500
4.75%
Waukesha State Bank
Certificate of Deposit - 5 Years
A+ 5.0 ★ TX: 1.44%
Min: $500
4.65%
PSB of Plainview
12 Month Certificate of Deposit
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.50%
CU Top 5 Credit Union Rates
CO-OP Credit Union
12 Month Youth Saver Certificate
A+ 5.0 ★ TX: 5.54%
Min: $100
6.00%
Gundersen Credit Union
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
A+ 5.0 ★ TX: 0.40%
Min: $100
5.50%
Fort Community Credit Union
Certificates - 60-Month
A 5.0 ★ TX: 8.84%
Min: $250
5.15%
1st Community Credit Union
36-MONTH TEEN CERTIFICATE SPECIAL
A+ 5.0 ★ TX: 5.97%
Min: $500
5.13%
Northwoods Community Credit Union
Youth Share Certificate - 6 Month
A+ 5.0 ★ TX: 2.66%
Min: $100
5.06%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Curtiss, WI CD Rate Trends

Compare local Curtiss, WI CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Wisconsin CD Trends
12-Month CD WI Avg
2.814%
▲ 0.002 vs 7 days ago

Wisconsin 12-month CD rates rose 0.002 points over the past 7 days to 2.814% APY.

6-Month CD WI Avg
2.395%
▲ 0.019 vs 7 days ago

Wisconsin 6-month CD rates rose 0.019 points over the past 7 days to 2.395% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

WI CD Rate Forecast, Next 12 Months

Where are Wisconsin CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WI 12-Month Avg APY
2.814%
6-Month Forecast
2.814%
Range: 2.61%, 2.96%
12-Month Forecast
3.064%
Range: 2.86%, 3.21%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Wisconsin average 12-month CD APY in our database.

Spread model: The Wisconsin 12-month CD average currently trades 1.56% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at WI CD Rates Today

Annual interest earnings at today’s Wisconsin average APYs. State average used where available; national average as fallback.

CD Term WI Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.533% $76.66 $153.32 $383.30 $766.60
6-Month CD 2.395% $119.76 $239.52 $598.80 $1,197.60
12-Month CD 2.814% $140.70 $281.41 $703.53 $1,407.05
18-Month CD 2.784% $139.22 $278.43 $696.08 $1,392.15
24-Month CD 2.892% $144.60 $289.20 $723.00 $1,446.00
36-Month CD 2.862% $143.11 $286.22 $715.55 $1,431.10
48-Month CD 2.778% $138.90 $277.81 $694.52 $1,389.05
60-Month CD 2.988% $149.41 $298.81 $747.03 $1,494.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Curtiss, 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.

Build Your Ladder
Rung Term Deposit WI Avg APY Annual Earnings
1 3-Month CD $5,000 1.533% $76.66
2 6-Month CD $5,000 2.395% $119.76
3 12-Month CD $5,000 2.814% $140.70
4 24-Month CD $5,000 2.892% $144.60
5 36-Month CD $5,000 2.862% $143.11
Total ($25,000 invested) $25,000 2.499% blended $624.83/yr

Ladder example uses equal $5,000 rungs and Wisconsin average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,047
CD Rates
Tracked in Curtiss, Wisconsin
61 Banks 71 Credit Unions

About Our Curtiss, Wisconsin CD Rate Database

MonitorBankRates tracks 2,047 CD rates from 61 banks and 71 credit unions with locations in Curtiss, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: CO-OP Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Curtiss, Wisconsin.

How to Find the Best CD Rates in Curtiss, Wisconsin

What to compare when shopping for a CD in Curtiss, Wisconsin

To find the best APYs in Curtiss, Wisconsin, start with credit unions and online-only banks: Curtiss, Wisconsin has 71 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 Curtiss, 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 Curtiss, Wisconsin: 132 institutions here report CD rates

Consider an Alternative If…

Wisconsin Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

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
$131/yr
At WI 12-mo avg 2.814% 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 2.814%, saving 10% of the local median salary ($4,666/year) and putting it in a CD would earn an additional $131 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 Curtiss, Wisconsin

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Curtiss, 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 Curtiss, 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 Curtiss, Wisconsin as everywhere in the U.S.

Choosing a CD Term in Curtiss, 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 Curtiss, Wisconsin savers easier access to their funds. For example, Northwoods Community Credit Union is offering its Youth Share Certificate - 6 Month at 5.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fort Community Credit Union is offering its Certificates - 60-Month at 5.15% 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 Curtiss, 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 Curtiss, 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 Curtiss, 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 Curtiss, 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 Curtiss, Wisconsin

Most CDs carry a fixed rate that is locked for the entire term, protecting a Curtiss, 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 Curtiss, Wisconsin

Are CD rates in Curtiss, Wisconsin FDIC insured?

Yes, most established banks in Curtiss, 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 Curtiss, 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 Curtiss, 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 Curtiss, 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 Curtiss, Wisconsin?

Here are recent top rates found for this area:
  • CO-OP Credit Union: 6.00% APY (12 Month Youth Saver Certificate)
  • Gundersen Credit Union: 5.50% APY (Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate))
  • Fort Community Credit Union: 5.15% APY (Certificates - 60-Month)
  • 1st Community Credit Union: 5.13% APY (36-MONTH TEEN CERTIFICATE SPECIAL)
  • Northwoods Community Credit Union: 5.06% APY (Youth Share Certificate - 6 Month)
  • State Bank of Newburg: 4.84% APY (18 mo Variable Rate IRA 18 mo Certificate of Deposit)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
  • Waukesha State Bank: 4.65% APY (Certificate of Deposit - 5 Years)
  • PSB of Plainview: 4.63% APY (12 Month Certificate of Deposit)
Rates reflect recent verified offers available in Curtiss, Wisconsin. Last Updated: October 23, 2026

Curtiss, 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 Curtiss, Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Curtiss, Wisconsin CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Curtiss, Wisconsin. Averages shown use the Wisconsin state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Curtiss, Wisconsin

Curtiss, Wisconsin CD Calculator

At today’s WI top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.

Curtiss, Wisconsin CD Ladder

WI CD rates currently range from 1.533% (3-month) to 2.862% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Curtiss, Wisconsin CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wisconsin’s average 12-month CD is 2.814% 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 Curtiss, 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 Curtiss, 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 Curtiss, Wisconsin. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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