La Crosse, Wisconsin Best CD Rates October 2026
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Brian McKay
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
La Crosse, Wisconsin CD rates range from 0.02% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current La Crosse, Wisconsin CD rates include CO-OP Credit UnionCO-OP Credit Union1735 Credit Union Ct, La Crosse, WI 54603 2354A+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 Union1910 South Ave, La Crosse, WI 54601A+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, Marine Credit UnionMarine Credit Union127 West Ave N, La Crosse, WI 54601 3528A5.0 ★Texas Ratio: 13.08%Real return: +0.96%APY minus CPIRate verified Oct 19, 2026 offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, Governmental Employees Credit UnionGovernmental Employees Credit Union225 La Crosse St, La Crosse, WI 54601 3253A5.0 ★Texas Ratio: 6.09%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 12 Month CD Special at 4.50% APY, and River BankRiver Bank4401 Mormon Coulee Rd, La Crosse, WI 54601A+5.0 ★Texas Ratio: 1.10%Real return: +0.60%APY minus CPIRate verified Oct 20, 2026 offering 12 Month CD & IRA at 4.30% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
La Crosse has 232 local institutions in our database, with CD rates as high as 6.00% APY from CO-OP Credit Union at 1735 Credit Union Ct, La Crosse, WI 54603 2354. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in La Crosse, Wisconsin & the Surrounding Area
La Crosse 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month IRA Certificates
$0
2.85%
▲ 1.32% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month Regular Certificate
$0
2.85%
▲ 1.32% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month IRA Certificates
$0
2.80%
▲ 1.27% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month Regular Certificate
$0
2.80%
▲ 1.27% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 3 Months
$0
2.80%
▲ 1.27% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month Certificate - Regular
$0
2.75%
▲ 1.22% above Wisconsin avg
▼
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
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
3 Month IRA Certificate
$0
2.75%
▲ 1.22% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
3 Month Jumbo Certificates
$0
1.55%
▲ 0.02% above Wisconsin avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 0.02% above avgNationally 2.13%
Details
APY current as of 10/01/2026; penalty may be imposed for early withdrawal
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
3 Month Certificates
$0
1.50%
▼ 0.03% below Wisconsin avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 0.03% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Month Certificate
$1,000
0.60%
▼ 0.93% below Wisconsin avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 0.93% below avgNationally 2.13%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Month Certificate
$1,000
0.55%
▼ 0.98% below Wisconsin avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 0.98% below avgNationally 2.13%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Month Certificate
$1,000
0.50%
▼ 1.03% below Wisconsin avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 1.03% below avgNationally 2.13%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Month Certificate
$1,000
0.45%
▼ 1.08% below Wisconsin avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 1.08% below avgNationally 2.13%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.47% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.47% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.48% below Wisconsin avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.48% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.48% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 1.48% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
3 Month Standard CD
$1,000
0.05%
▼ 1.48% below Wisconsin avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 1.48% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
3 month CD
$1,000
0.02%
▼ 1.51% below Wisconsin avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▼ 1.51% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 0.02% APY
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$10,000
3.50%
▲ 1.97% above Wisconsin avg
▼
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%
- 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
▼
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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 3-Month
$250
3.44%
▲ 1.91% above Wisconsin avg
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$2,500
3.05%
▲ 1.52% above Wisconsin avg
▼
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
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
▼
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
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 Month CD
$1,000
3.03%
▲ 1.50% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$2,500
2.85%
▲ 1.32% above Wisconsin avg
▼
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
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
▼
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
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
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 3 Month
$2,500
2.75%
▲ 1.22% above Wisconsin avg
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
La Crosse 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Certificate Special - 6-month
$0
4.00%
▲ 1.60% above Wisconsin avg
▼
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.80%
▲ 1.40% above Wisconsin avg
▼
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
6 Month Certificate
$1,000
3.80%
▲ 1.40% above Wisconsin avg
▼
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.75%
▲ 1.35% above Wisconsin avg
▼
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.70%
▲ 1.30% above Wisconsin avg
▼
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
6 Month Certificate
$1,000
3.65%
▲ 1.25% above Wisconsin avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.25% above avgNationally 2.78%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 5 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
6 Month Share Certificates
$1,000
3.60%
▲ 1.20% above Wisconsin avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.20% above avgNationally 2.78%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
6 Month Share Certificate
$0
3.45%
▲ 1.05% above Wisconsin avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.05% above avgNationally 2.78%
Details
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month IRA Certificates
$0
3.10%
▲ 0.70% above Wisconsin avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.70% above avgNationally 2.78%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month Regular Certificate
$0
3.10%
▲ 0.70% above Wisconsin avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.70% above avgNationally 2.78%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.10% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month IRA Certificates
$0
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.78%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month Regular Certificate
$0
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.78%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.05% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 6 Months
$0
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.78%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.05% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
6 Month Jumbo Certificates
$0
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.78%
Details
APY current as of 10/01/2026; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 22, 2026 · 2.30% → 3.05% ▲ 0.75 pts · high 3.05% / low 2.30%
- Oct 13, 20263.05%▲ from 2.30%
- Sep 22, 20262.30%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 6 month
$1,000
3.05%
▲ 0.65% above Wisconsin avg
▼
Rate3.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 2.05% → 3.05% ▲ 1.00 pts · high 3.05% / low 2.05%
- Oct 19, 20263.05%▲ from 2.05%
- Sep 14, 20262.05%first recorded
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 6 Months
$0
3.03%
▲ 0.63% above Wisconsin avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 0.63% above avgNationally 2.78%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 9 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month Certificate - Regular
$0
3.00%
▲ 0.60% above Wisconsin avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
6 Month IRA Certificate
$0
3.00%
▲ 0.60% above Wisconsin avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
6 Month Certificates
$0
3.00%
▲ 0.60% above Wisconsin avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
- Oct 13, 20263.00%▲ from 2.25%
- Sep 18, 20262.25%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 6 month
$100
3.00%
▲ 0.60% above Wisconsin avg
▼
Rate2.98%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 2 times
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 6-month
$0
2.05%
▼ 0.35% below Wisconsin avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▼ 0.35% below avgNationally 2.78%
Details
Rates effective October 1, 2026; subject to change; Not available on IRA certificates; Penalty: 90 days of dividends for terms of 12 months or less
Rate History
No change since Oct 22, 2026 · 2.05% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
6 month CD
$1,000
1.00%
▼ 1.40% below Wisconsin avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 1.40% below avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 1.00% APY
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
6 Month Certificate of Deposit
$2,500
0.64%
▼ 1.76% below Wisconsin avg
▼
Rate0.64%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 1.76% below avgNationally 2.78%
Details
Balance: $10,000 or more; Penalties may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 0.74% → 0.64% ▼ 0.10 pts · high 0.74% / low 0.64%
- Oct 22, 20260.64%▼ from 0.74%
- Sep 19, 20260.74%first recorded
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
Certificate of Deposit - 6 Month
$2,500
0.60%
▼ 1.80% below Wisconsin avg
▼
Rate0.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 1.80% below avgNationally 2.78%
Details
Balance: Less than $10,000; Minimum Daily Balance to Earn Annual Percentage Yield; $2,500 minimum balance required to open account; Penalties may be imposed for early withdrawal; Opened in person
Rate History
No change since Oct 21, 2026 · 0.60% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
6 Month Certificate of Deposit
$0
0.50%
▼ 1.90% below Wisconsin avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 1.90% below avgNationally 2.78%
Details
Balance: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield
Rate History
1 change since Sep 19, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 22, 20260.50%▼ from 0.60%
- Sep 19, 20260.60%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.34% below Wisconsin avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.34% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
6 Month Standard CD
$1,000
0.05%
▼ 2.35% below Wisconsin avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
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
▼
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
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
▼
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
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50%
▲ 2.10% above Wisconsin avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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
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
▼
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
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificates of Deposits - 6 months
$1,000
4.30%
▲ 1.90% above Wisconsin avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 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
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25%
▲ 1.85% above Wisconsin avg
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.70% above Wisconsin avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
La Crosse 12 Month CD Rates
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%
1735 Credit Union Ct, La Crosse, WI 54603 2354
12 Month Youth Saver Certificate
$100
6.00%
▲ 3.19% above Wisconsin avg
▼
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
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Youth Saver Certificate - 12 Month
$100
6.00%
▲ 3.19% above Wisconsin avg
▼
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50%
▲ 2.69% above Wisconsin avg
▼
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
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month CD Special
$1,000
4.50%
▲ 1.69% above Wisconsin avg
▼
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%
- 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%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month IRA Certificates - CD Special
$500
4.50%
▲ 1.69% above Wisconsin avg
▼
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
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 12 month
$1,000
4.35%
▲ 1.54% above Wisconsin avg
▼
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%
- Oct 19, 20264.35%▲ from 3.85%
- Sep 18, 20263.85%first recorded
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4401 Mormon Coulee Rd, La Crosse, WI 54601
12 Month CD & IRA
$1,000
4.30%
▲ 1.49% above Wisconsin avg
▼
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
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 12 Months
$0
4.30%
▲ 1.49% above Wisconsin avg
▼
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
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 12 month
$100
4.30%
▲ 1.49% above Wisconsin avg
▼
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
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
1 Year Certificate of Deposit
$2,500
4.26%
▲ 1.45% above Wisconsin avg
▼
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%
- Oct 22, 20264.26%▲ from 4.01%
- Sep 19, 20264.01%first recorded
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Youngster (Age 0-12) - 12 Month Term (Deposit Certificate)
$100
4.25%
▲ 1.44% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.34% above Wisconsin avg
▼
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%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.29% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
12 Month Jumbo Certificates
$0
4.05%
▲ 1.24% above Wisconsin avg
▼
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%
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
12 Month Certificates
$0
4.00%
▲ 1.19% above Wisconsin avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 13, 20264.00%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
1 Year Certificate
$1,000
3.91%
▲ 1.10% above Wisconsin avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.10% above avgNationally 2.99%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
1 Year Certificate
$1,000
3.85%
▲ 1.04% above Wisconsin avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.04% above avgNationally 2.99%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
1 Year Certificate
$1,000
3.80%
▲ 0.99% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.99% above avgNationally 2.99%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
12 Month Certificate
$1,000
3.80%
▲ 0.99% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.99% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 3.80% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
1 Year Certificate
$1,000
3.75%
▲ 0.94% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.94% above avgNationally 2.99%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month Clubhouse Certificates
$250
3.60%
▲ 0.79% above Wisconsin avg
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.79% above avgNationally 2.99%
Details
Youth program for members between the ages of birth and 18; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month IRA Certificate
$500
3.60%
▲ 0.79% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.79% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month Share Certificates
$1,000
3.60%
▲ 0.79% above Wisconsin avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.79% above avgNationally 2.99%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 12 months
$500
3.60%
▲ 0.79% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.79% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
1 Year Share Certificate
$0
3.50%
▲ 0.69% above Wisconsin avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.69% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month IRA Certificates
$0
3.35%
▲ 0.54% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.99%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month Regular Certificate
$0
3.35%
▲ 0.54% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.99%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month IRA Certificates
$0
3.30%
▲ 0.49% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.99%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month Regular Certificate
$0
3.30%
▲ 0.49% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.99%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 12 Months
$0
3.30%
▲ 0.49% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.99%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month Certificate - Regular
$0
3.25%
▲ 0.44% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month IRA Certificate
$0
3.25%
▲ 0.44% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
307 Main St Ste 101, La Crosse, WI 54601
Share/IRA Certificate - 12-month
$1,000
2.25%
▼ 0.56% below Wisconsin avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.56% below avgNationally 2.99%
Details
Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Rate History
No change since Oct 19, 2026 · 2.25% APY
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 12-month
$0
2.15%
▼ 0.66% below Wisconsin avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▼ 0.66% below avgNationally 2.99%
Details
Rates effective October 1, 2026; subject to change; Penalty: 90 days of dividends for terms of 12 months or less
Rate History
No change since Oct 22, 2026 · 2.15% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
Certificate of Deposit - 1 Year
$2,500
1.81%
▼ 1.00% below Wisconsin avg
▼
Rate1.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 1.00% below avgNationally 2.99%
Details
Balance: Less than $10,000; Minimum Daily Balance to Earn Annual Percentage Yield; $2,500 minimum balance required to open account; Penalties may be imposed for early withdrawal; Opened in person
Rate History
No change since Oct 21, 2026 · 1.81% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
1 Year Certificate of Deposit
$0
1.71%
▼ 1.10% below Wisconsin avg
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 1.10% below avgNationally 2.99%
Details
Balance: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield
Rate History
1 change since Sep 19, 2026 · 1.81% → 1.71% ▼ 0.10 pts · high 1.81% / low 1.71%
- Oct 22, 20261.71%▼ from 1.81%
- Sep 19, 20261.81%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.30% below Wisconsin avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▼ 1.30% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
305 5th Ave S, La Crosse, WI 54601
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.31% below Wisconsin avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▼ 1.31% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
12 month add on CD
$100
1.00%
▼ 1.81% below Wisconsin avg
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 1.81% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 1.00% APY
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
12 month CD
$1,000
1.00%
▼ 1.81% below Wisconsin avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 1.81% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 1.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.06% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.99%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
12 Month Standard CD
$1,000
0.75%
▼ 2.06% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.99%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month Smart Saver Plus Certificate
$0
0.72%
▼ 2.09% below Wisconsin avg
▼
Rate0.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 2.09% below avgNationally 2.99%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 0.72% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
12 Month Certificate - Smart Saver Plus
$0
0.67%
▼ 2.14% below Wisconsin avg
▼
Rate0.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 2.14% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 0.67% APY · checked 2 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
307 Main St Ste 101, La Crosse, WI 54601
Add-On Certificate - 12-month
$25
0.20%
▼ 2.61% below Wisconsin avg
▼
Rate0.20%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 2.61% below avgNationally 2.99%
Details
Additional deposits allowed; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
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
▼
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
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
CD - 12 Months
$0
4.63%
▲ 1.82% above Wisconsin avg
▼
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
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
▼
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%
- 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
▼
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50%
▲ 1.69% above Wisconsin avg
▼
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%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
La Crosse 18 Month CD Rates
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%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 18 month
$1,000
4.75%
▲ 1.97% above Wisconsin avg
▼
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%
- 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%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 18 month
$100
4.70%
▲ 1.92% above Wisconsin avg
▼
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
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
18 Month Certificate
$1,000
3.80%
▲ 1.02% above Wisconsin avg
▼
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
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
18 Month IRA Certificate
$500
3.60%
▲ 0.82% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.82% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
18 Month Share Certificates
$1,000
3.60%
▲ 0.82% above Wisconsin avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.82% above avgNationally 2.88%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 18 months
$500
3.60%
▲ 0.82% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.82% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 18 Months
$0
3.55%
▲ 0.77% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.77% above avgNationally 2.88%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
18 Month Share Certificate
$0
3.50%
▲ 0.72% above Wisconsin avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 18-month
$0
3.40%
▲ 0.62% above Wisconsin avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.62% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.40% ▲ 0.24 pts · high 3.40% / low 3.16%
- Oct 5, 20263.40%▲ from 3.16%
- Sep 14, 20263.16%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month IRA Certificates
$0
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.88%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month Regular Certificate
$0
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.88%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 18-month IRA
$0
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month IRA Certificates
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.88%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month Regular Certificate
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.88%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 18 Months
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.88%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
18 Month Jumbo Certificates
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.88%
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% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 13, 20263.30%▲ from 3.05%
- Sep 22, 20263.05%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month Certificate - Regular
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month IRA Certificate
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
18 Month Certificates
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 13, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 18-month
$0
2.50%
▼ 0.28% below Wisconsin avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▼ 0.28% below avgNationally 2.88%
Details
Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
307 Main St Ste 101, La Crosse, WI 54601
Share/IRA Certificate - 18-month
$1,000
2.50%
▼ 0.28% below Wisconsin avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.28% below avgNationally 2.88%
Details
Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Rate History
No change since Oct 19, 2026 · 2.50% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month Smart Saver Certificate
$0
1.60%
▼ 1.18% below Wisconsin avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 1.18% below avgNationally 2.88%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 1.60% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
18 Month Certificate - Smart Saver
$0
1.55%
▼ 1.23% below Wisconsin avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 1.23% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 1.55% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.03% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.03% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
18 Month Standard CD
$1,000
0.75%
▼ 2.03% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.03% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
18 month CD
$1,000
0.03%
▼ 2.75% below Wisconsin avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 2.75% below avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 0.03% APY
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45%
▲ 1.67% above Wisconsin avg
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
4.35%
▲ 1.57% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30%
▲ 1.52% above Wisconsin avg
▼
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%
- 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
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25%
▲ 1.47% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Special 18 Months
$100
4.25%
▲ 1.47% above Wisconsin avg
▼
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
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-Month Certificate
$0
4.25%
▲ 1.47% above Wisconsin avg
▼
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
La Crosse 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
2 Year Certificate
$1,000
3.80%
▲ 0.91% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.91% above avgNationally 2.90%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
2 Year Certificate
$1,000
3.75%
▲ 0.86% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.86% above avgNationally 2.90%
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
2 Year Certificate
$1,000
3.70%
▲ 0.81% above Wisconsin avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.81% above avgNationally 2.90%
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
2 Year Certificate
$1,000
3.65%
▲ 0.76% above Wisconsin avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 5, 20263.65%▼ from 3.75%
- Sep 29, 20263.75%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 24-month
$0
3.65%
▲ 0.76% above Wisconsin avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.65% ▲ 0.49 pts · high 3.65% / low 3.16%
- Oct 5, 20263.65%▲ from 3.16%
- Sep 14, 20263.16%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month Rate Bump Certificate
$0
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Certificates with $250,000 Minimum; Open Account; Rate may be increased one time during the term
Rate History
No change since Oct 19, 2026 · 3.60% APY
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
24 Month Clubhouse Certificates
$250
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Youth program for members between the ages of birth and 18; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
24 Month IRA Certificate
$500
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
24 Month Share Certificates
$1,000
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 24 months
$500
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 24-month IRA
$0
3.60%
▲ 0.71% above Wisconsin avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 24 Months
$0
3.55%
▲ 0.66% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 0.66% above avgNationally 2.90%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
24 Month Jumbo Certificates
$0
3.55%
▲ 0.66% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.66% above avgNationally 2.90%
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% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05%
- Oct 13, 20263.55%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
2 Year Share Certificate
$0
3.50%
▲ 0.61% above Wisconsin avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
24 Month Certificate
$1,000
3.50%
▲ 0.61% above Wisconsin avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month Certificate - Rate Bump
$0
3.50%
▲ 0.61% above Wisconsin avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
24 Month Certificates
$0
3.50%
▲ 0.61% above Wisconsin avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.61% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 13, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month IRA Certificates
$0
3.35%
▲ 0.46% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month Regular Certificate
$0
3.35%
▲ 0.46% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month IRA Certificates
$0
3.30%
▲ 0.41% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.90%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month Regular Certificate
$0
3.30%
▲ 0.41% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.90%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 24 Months
$0
3.30%
▲ 0.41% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.90%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month Certificate - Regular
$0
3.25%
▲ 0.36% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
24 Month IRA Certificate
$0
3.25%
▲ 0.36% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 24 month
$1,000
3.20%
▲ 0.31% above Wisconsin avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.31% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 19, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 24 month
$100
3.15%
▲ 0.26% above Wisconsin avg
▼
Rate3.11%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 2 times
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 24-month
$0
2.75%
▼ 0.14% below Wisconsin avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.90%
Details
Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
307 Main St Ste 101, La Crosse, WI 54601
Share/IRA Certificate - 24-month
$1,000
2.75%
▼ 0.14% below Wisconsin avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.90%
Details
Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Rate History
No change since Oct 19, 2026 · 2.75% APY
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
2 Year Certificate of Deposit
$2,500
1.69%
▼ 1.20% below Wisconsin avg
▼
Rate1.68%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 1.20% below avgNationally 2.90%
Details
Balance: $10,000 or more; Penalties may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 1.84% → 1.69% ▼ 0.15 pts · high 1.84% / low 1.69%
- Oct 22, 20261.69%▼ from 1.84%
- Sep 19, 20261.84%first recorded
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
Certificate of Deposit - 2 Year
$2,500
1.66%
▼ 1.23% below Wisconsin avg
▼
Rate1.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 1.23% below avgNationally 2.90%
Details
Balance: Less than $10,000; Minimum Daily Balance to Earn Annual Percentage Yield; $2,500 minimum balance required to open account; Penalties may be imposed for early withdrawal; Opened in person
Rate History
No change since Oct 21, 2026 · 1.66% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
2 Year Certificate of Deposit
$0
1.51%
▼ 1.38% below Wisconsin avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 1.38% below avgNationally 2.90%
Details
Balance: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield
Rate History
1 change since Sep 19, 2026 · 1.66% → 1.51% ▼ 0.15 pts · high 1.66% / low 1.51%
- Oct 22, 20261.51%▼ from 1.66%
- Sep 19, 20261.66%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.14% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
24 Month Standard CD
$1,000
0.75%
▼ 2.14% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
24 month CD
$1,000
0.03%
▼ 2.86% below Wisconsin avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 2.86% below avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 0.03% APY
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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 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
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year IRA Certificate
$0
4.45%
▲ 1.56% above Wisconsin avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 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
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
▼
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
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
▼
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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year CD
$1,000
4.40%
▲ 1.51% above Wisconsin avg
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus CD
$0
4.40%
▲ 1.51% above Wisconsin avg
▼
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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus IRA
$0
4.40%
▲ 1.51% above Wisconsin avg
▼
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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year IRA
$0
4.40%
▲ 1.51% above Wisconsin avg
▼
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35%
▲ 1.46% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35%
▲ 1.46% above Wisconsin avg
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 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
La Crosse 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.05% above Wisconsin avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 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%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 0.99% above Wisconsin avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Year Certificate
$1,000
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.94% above avgNationally 2.81%
Details
Balance: $100,000+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
36 Month Jumbo Certificates
$0
3.80%
▲ 0.94% above Wisconsin avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.94% 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% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Year Certificate
$1,000
3.75%
▲ 0.89% above Wisconsin avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.89% above avgNationally 2.81%
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
36 Month Certificates
$0
3.75%
▲ 0.89% above Wisconsin avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.89% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 13, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Year Certificate
$1,000
3.70%
▲ 0.84% above Wisconsin avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.84% above avgNationally 2.81%
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
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
3 Year Certificate
$1,000
3.65%
▲ 0.79% above Wisconsin avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.79% above avgNationally 2.81%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 5, 20263.65%▼ from 3.75%
- Sep 29, 20263.75%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
36 Month Clubhouse Certificates
$250
3.60%
▲ 0.74% above Wisconsin avg
▼
Rate3.54%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.74% above avgNationally 2.81%
Details
Youth program for members between the ages of birth and 18; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
36 Month IRA Certificate
$500
3.60%
▲ 0.74% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
36 Month Share Certificates
$1,000
3.60%
▲ 0.74% above Wisconsin avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.74% above avgNationally 2.81%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 36 months
$500
3.60%
▲ 0.74% above Wisconsin avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 36 Months
$0
3.55%
▲ 0.69% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 0.69% above avgNationally 2.81%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
3 Year Share Certificate
$0
3.50%
▲ 0.64% above Wisconsin avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.64% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month IRA Certificates
$0
3.35%
▲ 0.49% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.49% above avgNationally 2.81%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month Regular Certificate
$0
3.35%
▲ 0.49% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.49% above avgNationally 2.81%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month IRA Certificates
$0
3.30%
▲ 0.44% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month Regular Certificate
$0
3.30%
▲ 0.44% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 36 Months
$0
3.30%
▲ 0.44% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
36 Month Certificate
$1,000
3.25%
▲ 0.39% above Wisconsin avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.25% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month Certificate - Regular
$0
3.25%
▲ 0.39% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
36 Month IRA Certificate
$0
3.25%
▲ 0.39% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 36 month
$1,000
3.25%
▲ 0.39% above Wisconsin avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 19, 20263.25%▲ from 2.90%
- Sep 18, 20262.90%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 36 month
$100
3.20%
▲ 0.34% above Wisconsin avg
▼
Rate3.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 2 times
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 36-month
$0
3.00%
▲ 0.14% above Wisconsin avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 0.14% above avgNationally 2.81%
Details
Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
3 Year Certificate of Deposit
$0
1.73%
▼ 1.13% below Wisconsin avg
▼
Rate1.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 1.13% below avgNationally 2.81%
Details
Balance: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield
Rate History
No change since Sep 19, 2026 · 1.73% APY · checked 8 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
Certificate of Deposit - 3 Year
$2,500
1.73%
▼ 1.13% below Wisconsin avg
▼
Rate1.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 1.13% below avgNationally 2.81%
Details
Balance: Less than $10,000; Minimum Daily Balance to Earn Annual Percentage Yield; $2,500 minimum balance required to open account; Penalties may be imposed for early withdrawal; Opened in person
Rate History
No change since Oct 21, 2026 · 1.73% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
3 Year Certificate of Deposit
$2,500
1.60%
▼ 1.26% below Wisconsin avg
▼
Rate1.59%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 1.26% below avgNationally 2.81%
Details
Balance: $10,000 or more; Penalties may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 1.85% → 1.60% ▼ 0.25 pts · high 1.85% / low 1.60%
- Oct 22, 20261.60%▼ from 1.85%
- Sep 19, 20261.85%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.11% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
36 Month Standard CD
$1,000
0.75%
▼ 2.11% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
36 month CD
$1,000
0.04%
▼ 2.82% below Wisconsin avg
▼
Rate0.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 2.82% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 0.04% APY
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13%
▲ 2.27% above Wisconsin avg
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$2,500
4.60%
▲ 1.74% above Wisconsin avg
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$500
4.40%
▲ 1.54% above Wisconsin avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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
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
▼
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
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39%
▲ 1.53% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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
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
▼
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
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35%
▲ 1.49% above Wisconsin avg
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 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
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.47% above Wisconsin avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 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%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33%
▲ 1.47% above Wisconsin avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 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
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.30%
▲ 1.44% above Wisconsin avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 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
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
▼
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
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.20%
▲ 1.34% above Wisconsin avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 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%
- 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
▼
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
La Crosse 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.37% above Wisconsin avg
▼
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%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.32% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
48 Month Jumbo Certificates
$0
4.05%
▲ 1.27% above Wisconsin avg
▼
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%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
48 Month Certificates
$0
4.00%
▲ 1.22% above Wisconsin avg
▼
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%
- Oct 19, 20264.00%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
4 Year Certificate
$1,000
3.75%
▲ 0.97% above Wisconsin avg
▼
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
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 48 Months
$0
3.55%
▲ 0.77% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.77% above avgNationally 2.81%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
4 Year Share Certificate
$0
3.55%
▲ 0.77% above Wisconsin avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.77% above avgNationally 2.81%
Details
IRA Share Certificate not available in 4 year term
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month IRA Certificates
$0
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.81%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month Regular Certificate
$0
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.81%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 48 month
$1,000
3.35%
▲ 0.57% above Wisconsin avg
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.57% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.35% ▲ 0.45 pts · high 3.35% / low 2.90%
- Oct 19, 20263.35%▲ from 2.90%
- Sep 14, 20262.90%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month IRA Certificates
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.81%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month Regular Certificate
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.81%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 48 Months
$0
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.81%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 48 month
$100
3.30%
▲ 0.52% above Wisconsin avg
▼
Rate3.26%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 2 times
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 48-month
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.81%
Details
Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month Certificate - Regular
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
48 Month IRA Certificate
$0
3.25%
▲ 0.47% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
48 Month IRA Certificate
$500
2.75%
▼ 0.03% below Wisconsin avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
48 Month Share Certificates
$1,000
2.75%
▼ 0.03% below Wisconsin avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.03% below avgNationally 2.81%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 48 months
$500
2.75%
▼ 0.03% below Wisconsin avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
Certificate of Deposit - 4 Year
$2,500
1.85%
▼ 0.93% below Wisconsin avg
▼
Rate1.84%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 0.93% below avgNationally 2.81%
Details
Balance: Less than $10,000; Minimum Daily Balance to Earn Annual Percentage Yield; $2,500 minimum balance required to open account; Penalties may be imposed for early withdrawal; Opened in person
Rate History
No change since Oct 21, 2026 · 1.85% APY · checked 2 times
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
4 Year Certificate of Deposit
$2,500
1.75%
▼ 1.03% below Wisconsin avg
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 1.03% below avgNationally 2.81%
Details
Balance: $10,000 or more; Penalties may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 2.00% → 1.75% ▼ 0.25 pts · high 2.00% / low 1.75%
- Oct 22, 20261.75%▼ from 2.00%
- Sep 19, 20262.00%first recorded
Park Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
700 State St, La Crosse, WI 54601
4 Year Certificate of Deposit
$0
1.60%
▼ 1.18% below Wisconsin avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 1.18% below avgNationally 2.81%
Details
Balance: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield
Rate History
1 change since Sep 19, 2026 · 1.85% → 1.60% ▼ 0.25 pts · high 1.85% / low 1.60%
- Oct 22, 20261.60%▼ from 1.85%
- Sep 19, 20261.85%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.03% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.03% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
48 Month Standard CD
$1,000
0.75%
▼ 2.03% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.03% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
48 month CD
$1,000
0.05%
▼ 2.73% below Wisconsin avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 2.73% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 0.05% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70%
▲ 1.92% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month CD
$1,000
4.25%
▲ 1.47% above Wisconsin avg
▼
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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month IRA
$100
4.25%
▲ 1.47% above Wisconsin avg
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$2,500
4.20%
▲ 1.42% above Wisconsin avg
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 48-Month
$250
4.13%
▲ 1.35% above Wisconsin avg
▼
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
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
▼
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%
- Oct 20, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
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
▼
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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year CD
$1,000
4.00%
▲ 1.22% above Wisconsin avg
▼
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
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year IRA
$0
4.00%
▲ 1.22% above Wisconsin avg
▼
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
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
▼
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
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
▼
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%
- 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
▼
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%
- Sep 27, 20263.96%▲ from 3.44%
- Sep 14, 20263.44%first recorded
La Crosse 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.67% above Wisconsin avg
▼
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%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.62% above Wisconsin avg
▼
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
60 Month Jumbo Certificates
$0
4.55%
▲ 1.56% above Wisconsin avg
▼
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%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
60 Month Certificates
$0
4.50%
▲ 1.51% above Wisconsin avg
▼
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%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
605 West Ave S, La Crosse, WI 54601
5 Year Certificate
$1,000
3.70%
▲ 0.71% above Wisconsin avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.71% above avgNationally 2.92%
Details
Balance: $1,000.00+; Regular or IRA certificate
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
525 5th Ave S, La Crosse, WI 54601 4563
5 Year Share Certificate
$0
3.60%
▲ 0.61% above Wisconsin avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.61% above avgNationally 2.92%
Details
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
W2703 Highway 33, La Crosse, WI 54601
Certificates of Deposit - 60 Months
$0
3.55%
▲ 0.56% above Wisconsin avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.56% above avgNationally 2.92%
Details
Rates effective since: August 31, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
28 COPELAND AVE, LA CROSSE, WI 54603 3401
Certificate - 60-month
$0
3.50%
▲ 0.51% above Wisconsin avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 0.51% above avgNationally 2.92%
Details
Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
IRA Certificate - 60 month
$1,000
3.45%
▲ 0.46% above Wisconsin avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.46% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.45% ▲ 0.55 pts · high 3.45% / low 2.90%
- Oct 19, 20263.45%▲ from 2.90%
- Sep 18, 20262.90%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1735 Credit Union Ct, La Crosse, WI 54603 2354
Certificates - 60 month
$100
3.40%
▲ 0.41% above Wisconsin avg
▼
Rate3.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.41% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month IRA Certificates
$0
3.35%
▲ 0.36% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.36% above avgNationally 2.92%
Details
Individual Retirement Account (IRAs) with $250,000 Minimum; Contact Us to Apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month Regular Certificate
$0
3.35%
▲ 0.36% above Wisconsin avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.36% above avgNationally 2.92%
Details
Certificates with $250,000 Minimum; Open Account
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month IRA Certificates
$0
3.30%
▲ 0.31% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.31% above avgNationally 2.92%
Details
Minimum balance $10,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month Regular Certificate
$0
3.30%
▲ 0.31% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.31% above avgNationally 2.92%
Details
Certificates with $10,000 Minimum
Rate History
No change since Oct 19, 2026 · 3.30% APY
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
IRA Certificates - 60 Months
$0
3.30%
▲ 0.31% above Wisconsin avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.31% above avgNationally 2.92%
Details
Individual Retirement Account (IRAs) with $10,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month Certificate - Regular
$0
3.25%
▲ 0.26% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.26% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Student Union The U Rm 1057, La Crosse, WI 54601
60 Month IRA Certificate
$0
3.25%
▲ 0.26% above Wisconsin avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.26% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
60 Month IRA Certificate
$500
2.50%
▼ 0.49% below Wisconsin avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 0.49% below avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
60 Month Share Certificates
$1,000
2.50%
▼ 0.49% below Wisconsin avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 0.49% below avgNationally 2.92%
Details
Membership eligibility required; Penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
IRA Certificates - 60 months
$500
2.50%
▼ 0.49% below Wisconsin avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 0.49% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.24% below Wisconsin avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 2.24% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1300 Rose St, La Crosse, WI 54603
60 Month Standard CD
$1,000
0.75%
▼ 2.24% below Wisconsin avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 2.24% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
205 4th St N, La Crosse, WI 54601
60 month CD
$1,000
0.10%
▼ 2.89% below Wisconsin avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▼ 2.89% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 0.10% APY
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 60-Month
$250
5.15%
▲ 2.16% above Wisconsin avg
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$2,500
4.75%
▲ 1.76% above Wisconsin avg
▼
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%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%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
▼
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
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
▼
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
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
▼
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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month CD
$1,000
4.50%
▲ 1.51% above Wisconsin avg
▼
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
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month IRA
$100
4.50%
▲ 1.51% above Wisconsin avg
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$5,000
4.30%
▲ 1.31% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$2,500
4.25%
▲ 1.26% above Wisconsin avg
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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La Crosse, WI CD Rate Trends
Compare local La Crosse, WI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD WI Avg
2.814%
▲ 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
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WI CD Rate Forecast, Next 12 Months
Where are Wisconsin CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WI 12-Month Avg APY
2.814%
6-Month Forecast
2.814%
Range: 2.61%, 2.96%
12-Month Forecast
3.064%
Range: 2.86%, 3.21%
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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 La Crosse, Wisconsin Savers
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.533% | $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 La Crosse, Wisconsin
Tracked in La Crosse, Wisconsin
63 Banks
63 Credit Unions
About Our La Crosse, Wisconsin CD Rate Database
MonitorBankRates tracks 2,047 CD rates from 63 banks and 63 credit unions with locations in La Crosse, 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 La Crosse, Wisconsin.
How to Find the Best CD Rates in La Crosse, Wisconsin
What to compare when shopping for a CD in La Crosse, Wisconsin
To find the best APYs in La Crosse, Wisconsin, start with credit unions and online-only banks: La Crosse, Wisconsin has 63 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 La Crosse, 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 La Crosse, Wisconsin: 126 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare La Crosse, Wisconsin savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare La Crosse, Wisconsin money market rates
La Crosse, Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$28,771
National avg: $47,340
Poverty Rate
21.4%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$81/yr
At WI 12-mo avg 2.814% APY
17.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s WI 12-month CD average of 2.814%, saving 10% of the local median salary ($2,877/year) and putting it in a CD would earn an additional $81 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 La Crosse, 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 La Crosse, 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 La Crosse, 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 La Crosse, Wisconsin as everywhere in the U.S.
Choosing a CD Term in La Crosse, 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 La Crosse, Wisconsin savers easier access to their funds. For example, Marine Credit Union is offering its Certificate Special - 6-month at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marine Credit Union is offering its Jumbo Individual Retirement Account Certificates - 60-month at 4.66% 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 La Crosse, 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 La Crosse, 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 La Crosse, 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 La Crosse, 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 La Crosse, Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a La Crosse, 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 La Crosse, Wisconsin
Are CD rates in La Crosse, Wisconsin FDIC insured?
Yes, most established banks in La Crosse, 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 La Crosse, 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 La Crosse, 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 La Crosse, 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 La Crosse, 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))
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Governmental Employees Credit Union: 4.50% APY (12 Month CD Special)
- River Bank: 4.30% APY (12 Month CD & IRA)
- FNB of Bangor: 4.30% APY (Certificates of Deposit - 12 Months)
- Park Bank: 4.26% APY (1 Year Certificate of Deposit)
- Mayo Employees Federal Credit Union: 3.91% APY (1 Year Certificate)
- Firefighters Credit Union Onalaska, WI: 3.60% APY (5 Year Share Certificate)
- University of Wisconsin Credit Union: 3.60% APY (24 Month Rate Bump Certificate)
Rates reflect recent verified offers available in La Crosse, Wisconsin. Last Updated: October 23, 2026
La Crosse, 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 La Crosse, Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for La Crosse, Wisconsin
La Crosse, 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.
La Crosse, Wisconsin CD LadderWI 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 PenaltyBefore locking into a La Crosse, 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 SavingsWisconsin’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 La Crosse, 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 La Crosse, 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 La Crosse, 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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